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SHA Premium guides

SHA premium is the contribution a household is expected to pay into the Social Health Insurance Fund. For salaried households it's 2.75% of gross salary, deducted by the employer. For everyone else it's based on household income as estimated through means testing — with a minimum of KSh 300 a month.

Most premium questions come down to one thing: whether the information behind your assessment still matches your real situation. These guides explain how that works and what options may exist.

13 guides · By Cyber Kenya SHA Desk

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SHA PremiumWhy Is My SHA Premium So High?A higher-than-expected premium usually comes from the information behind your assessment. Here's what that means. 2 min read SHA PremiumHow SHA Premium Assessment WorksYour premium is linked to an assessment of household information. Understanding that is the key to everything else. 2 min read SHA PremiumCan SHA Premium Be Reduced?Where your premium doesn't reflect your circumstances, reduction may be possible. SHA Desk works toward KSh 6,000 a year. 2 min read

Punguza Malipo ya SHA

Is your SHA contribution too high?

Punguza Malipo ya SHA: How to Review High SHA Contributions in KenyaPunguza malipo ya SHA starts with understanding your contribution, checking household information and confirming the official options for review.Read the guide Are You Paying a High SHA Premium? Here's What to Check FirstA contribution that feels unaffordable deserves a clear explanation. Start with the assessment facts before deciding whether a review or appeal fits.Read the guide Jinsi ya Kupunguza Malipo ya SHA Kenya: Mwongozo RahisiAnza kwa kuelewa mchango wako na taarifa zilizotumika, kisha thibitisha njia rasmi ya kuomba mapitio ikiwa kuna jambo linalohitaji kurekebishwa.Soma mwongozo

Paying more than KSh 6,000 for SHA?

Cyber Kenya SHA Desk can assist with SHA premium reduction or appeal toward KSh 6,000 per year — KSh 500 per month, where applicable.

Discuss My SHA Premium

Target SHA premiumKSh 6,000 / yearKSh 500 / month

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Premium too high?

How premium is worked out

Reduction and appeal

Paying and preparing

Common questions

Is the KSh 6,000 a year figure available to everyone?

No one can promise a specific figure for every household. SHA Desk can assist with SHA premium reduction or appeal toward KSh 6,000 per year — KSh 500 per month, where applicable.

What is the lowest SHA premium?

The Regulations set a minimum of KSh 300 per month for both salaried and non-salaried households.

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