The Social Health Authority (SHA) ensures accessible healthcare for all individuals, including self-employed, unemployed, and informal workers. Here’s everything you need to know about SHA monthly contributions, rates, and payment requirements. The monthly contribution to the Social Health Insurance Fund (SHIF) in Kenya is 2.75% of an individual’s gross salary, with a minimum contribution of 300 Kenyan shillings (KES 300) per month

What is the SHA Monthly Contribution?

The SHA monthly contribution is a mandatory payment that supports the national health insurance program, ensuring citizens and residents access to affordable medical care. Contributions are determined based on employment status and income levels, accommodating a wide range of workers, including formal employees, self-employed individuals, and those without formal employment.

SHA Monthly Contribution Rates

1. SHA Monthly contribution for Self Employed individuals

Self-employed individuals are required to contribute directly to the SHA based on their declared income. Rates may vary, but they typically fall within a percentage range of the monthly income bracket.

• How to Pay: Payments can be made through approved SHA channels such as mobile apps, online platforms, or designated banks.
• Documentation: Download the SHA monthly contribution for self-employed PDF from the official SHA website for a detailed guide.

2. SHA Monthly contributions for Unemployed individuals

Unemployed individuals can voluntarily contribute to remain insured. This ensures continuous access to health benefits even during employment gaps.

• Monthly Contribution Rates: A fixed minimal rate is usually applied.
• Payment Methods: Contributions can be made online or through local SHA offices.

3. SHA Monthly Contribution For Informal Workers

Informal workers, including freelancers, casual laborers, and gig workers, are encouraged to make voluntary contributions.

• Flexible Payment Options: SHA offers customized payment schedules to accommodate irregular income patterns.
• Benefits: Contributions ensure access to healthcare services for informal workers and their families.

How to Calculate Your SHA Monthly Payment

1. Determine Your Employment Status: Identify whether you are self-employed, unemployed, or working informally.
2. Check Contribution Rates: Visit the official SHA website or contact their office for the latest rates and updates.
3. Use Online Calculators: Many SHA portals offer online tools to calculate your contributions.

SHA Monthly Charges and Deductions

• For Employees: Contributions are automatically deducted from salaries.
• For Self-Employed and Others: Manual payments must be made to stay compliant.

Why Consistent SHA Monthly Check-Ins Are Important

Monthly check-ins with the SHA ensure that your account is updated, your payments are accurate, and your benefits remain active. Use digital platforms to track your contributions and avoid lapses in coverage.

Benefits of Regular SHA Monthly Contributions

1. Continuous Healthcare Access: Guarantees uninterrupted medical services.
2. Coverage for Dependents: Family members may also benefit from the program.
3. Financial Security: Reduces out-of-pocket expenses for medical emergencies.

How to Stay Updated

• Official Resources: Always refer to the SHA website for the latest updates and PDFs.
• Customer Support: Contact SHA representatives for inquiries about deductions, rates, or payment plans.

By staying informed about SHA monthly contributions, you ensure healthcare security for yourself and your family. Whether you’re self-employed, unemployed, or an informal worker, understanding your payment options and responsibilities is key to staying covered.