Denis Garand

Now that Kenya passed its social health insurance law to improve coverage for nearly a quarter of the population, implementation planning is well underway. But how can the nation build a nuanced and comprehensive system that will last? Our team took a close look at five counties in Kenya and their successes and challenges in smaller-scale implementation of the UHC program. We put it all in one brief (under Featured learning products) for policymakers, practitioners, and other stakeholders alike to use in their own push for UHC: https://ow.ly/TsGB50SLfXg

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#SHIF (Social Health Insurance Fund) in Kenya. Starting October 1, 2024, the country will fully transition from the National Health Insurance Fund (NHIF) to SHIF. This move is part of the government's effort to reform healthcare, ensuring more comprehensive coverage under the Social Health Authority (SHA). Under SHIF, employees will be required to contribute 2.75% of their monthly salary. The benefits will include coverage for both outpatient and inpatient services, with specific provisions for conditions like diabetes, hypertension, and kidney failure, among others. It also integrates existing programs such as Linda Mama, aimed at reducing maternal mortality by increasing financial support for childbirth-related services. Employers are expected to register their staff on the SHA portal and start remitting contributions by the set date. The transition is designed to ensure improved healthcare access across various levels of health facilities in the country. If you want more detailed information on how it will affect your business or personal coverage, feel free to ask! #LetsTalk!

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#COVID19 still sidelines many workers. While the potential risk of increased mortality is minimal, the #DI could be substantial. https://bit.ly/4b7imaP Dr. Robert Frank, medical director for LIBRA Insurance Partners explains. #riskmanagement #underwriting #lifeinsurance #disabilityinsurance #insuranceindustry

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CEO Summit Uganda- ESG discussions in partnership with Prudential Uganda. Today, I was privileged to attend the event above where sustainable discussions centered on health, finance, education and business growth. Mother Nature is at rage and calls for all organisattions and individuals to integrate Environmental, social, and governance (ESG) startegies into their business strategies. On the environmental front, companies need to closely examine their carbon footprint, energy usage, waste generation, and resource consumption, and implement sustainability initiatives to minimize their ecological impact. Socially, enterprises must evaluate their human rights practices, workforce diversity and inclusion, community engagement, and overall social responsibility. Strong corporate governance is also essential, requiring robust board oversight, ethical leadership, transparent reporting, and the incorporation of ESG risks and opportunities into strategic decision-making. As stakeholders, from investors to consumers, place greater emphasis on ESG performance, organizations that proactively manage these interdependent environmental, social, and governance considerations will be best positioned for long-term success and value creation. #ESG #ForEveryLifeforeveryFuture #CEO #Leadership

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"Empowered to Thrive - Insights on the 'Win Effect' I'm excited to share insights on the impactful 'Win Effect', a collaboration between Prudential, the Women's Gateway, and Enterprise Uganda. This innovative initiative is dedicated to empowering persons to succeed in the right growth spaces. The 'Win Effect' recognizes that when you surround yourself with the right support and resources, you attract the opportunities that lead to remarkable achievements. By identifying and cultivating growth-focused environments, this program is enabling persons to reach new heights professionally and personally. I'm honored to be part of this transformative effort to create more equitable pathways to success. FAITH E. NABAGGALA #WinEffect #Prudential #WomensGateway #EnterpriseUganda"

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Transition to the Social Health Insurance Fund (SHIF) The Kenyan government is taking a significant step towards Universal Health Coverage (UHC) with the rollout of the Social Health Insurance Fund (SHIF), set to replace the National Health Insurance Fund (NHIF). Originally planned for an earlier launch, SHIF registration began on July 1, 2024, with full implementation slated for October 1, 2024. 🔍 Key Highlights: Revised Timeline: Mass registration started on July 1, 2024, ensuring a smooth transition by October 1, 2024. Contribution Structure: Formal sector employees to contribute 2.75% of monthly salaries; fixed amounts for the informal sector. Mandatory Registration: All Kenyans and foreign residents must register, with penalties for non-compliance. Enforcement & Monitoring: Government to monitor contributions, with strict penalties for non-compliance. Read our full blog to understand the implications and benefits of this transformative initiative: https://lnkd.in/dKyc2uuV #UniversalHealthCoverage #SHIF #NHIF #Kenya #HealthInsurance #RonaldsLLP

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Ready to drive #insurance innovation in your country? Our #R3LabToolkit offers a comprehensive guide based on extensive research and engagement across eight sub-Saharan African countries. With real-world examples from #Ethiopia 🇪🇹 to #Zimbabwe 🇿🇼, this toolkit equips #regulators with the tools to navigate and foster #innovation effectively. Explore the toolkit today and start shaping the future of insurance: https://lnkd.in/ecCB4Akd -- #MakingFinanceWork #InsuranceInnovation #RegulatoryTech #Africa -- Elias Omondi, Kelvin Massingham, Elizabeth Njambi, Christine Hougaard Angellah Khamala, Cenfri

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📹 The 2023 NICC Podcast Videos are out! In one of them, Laviva discusses some of our key investment criteria, insurance sectors we're interested in, and much more. Listen to her here: https://lnkd.in/eMSK_5zy Many thanks to NICC - National Insurance Conference of Canada for making these videos available! #InsurTech #LugePortfolio

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I was privileged to share insights into the role of the National Health Insurance Scheme [NHIS] in HIV Services provision in Zambia, and the future of sustainable HIV financing. I argued that the future of sustainable HIV financing lies NOT in fragmented funding and service delivery streams, but rather through pooling of resources and integrated health service delivery where HIV services and drugs are part of a comprehensive NHIS Benefits Package. Specifically: 1. The pooling of resources under a single pool reduces fragmentation of funding, allowing for greater accountability and enhanced investments. 2. By linking HIV services to the NHIS Benefits Package, we achieved Results Linked Financing by only pays for services accessed to a member that can be verified – Strategic Purchasing. This makes the tracking of utilization of HIV services, including drugs more efficient. 3. By integrating HIV services and drugs under the NHIS, it makes possible high-level coordination of comprehensive care for patients, benefiting from both HIV services and drugs and other health services in one package.  To achieve this, however, requires very high political will, leadership and commitment from all stakeholders in the provision of financing and services for HIV. #UniversalHealthCoverage #HealthFinancing

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Exciting update from Jubilee Health Insurance Uganda! Accessing quality healthcare is easier than ever—simply provide your fingerprint at any Jubilee Health card-accepting facility, and you’re all set. No more forms, just seamless service designed to enhance your experience. #LiveFree #CustomerServiceWeek #AboveAndBeyond

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Do you think SHIF will offer a better solution than NHIF? In recent years, Kenyans have relied on the National Hospital Insurance Fund (NHIF) for their healthcare needs. While NHIF has provided some benefits to the public, many still face challenges such as inadequate coverage, lengthy approval processes, and limited access to certain services. The introduction of the Social Health Insurance Fund (SHIF) aims to address these issues and promises comprehensive, inclusive, and high-quality healthcare for all. NHIF vs. SHIF: A Comparative Look NHIF • Coverage: Primarily focused on inpatient services, with some outpatient coverage. • Accessibility: Limited network of hospitals and healthcare providers. • Approval Process: Often slow and cumbersome, leading to delays in accessing care. • Financial Protection: Partial coverage, leaving many to pay out-of-pocket expenses. SHIF: The Promised Transformation Comprehensive Coverage: Includes outpatient, inpatient, specialized services like dialysis, oncology, mental health, and more. • Broad Accessibility: Expands the network to include public, faith-based, and private providers. • Efficient Process: Streamlined approval and performance-based payments to incentivize high-quality care. • Full Financial Protection: Aims to protect all Kenyans from catastrophic health expenditures. The Big Question: Will SHIF Truly Benefit Kenyans? While SHIF promises many improvements, there are still questions and concerns: 1. Implementation Challenges: Can the government ensure a smooth transition and effective implementation of SHIF? 2. Quality of Care: Will SHIF be able to maintain and enhance the quality of care across all healthcare providers? 3. Sustainability: Is SHIF financially sustainable in the long run, and will it be able to keep its promises? What's your take on the introduction of the new schemers? Will it benefit the public, especially the low, and middle-income earners?

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The Social Health Insurance Fund (SHIF) is set to replace the National Hospital Insurance Fund (NHIF) in Kenya as part of a broader health financing reform. This transition is intended to enhance health service accessibility and affordability, aligning with the universal health coverage (UHC) goals. Here are the key points about SHIF: 1. Purpose: SHIF aims to provide a more comprehensive, efficient health insurance system, ensuring wider access to quality healthcare services for Kenyans. 2. Mandatory Coverage: It will require all Kenyans above the age of 18 to contribute, with different contribution rates based on income levels. This mandatory contribution model is expected to increase funding for health services. 3. Coverage Expansion: SHIF promises to cover a broader range of medical services, beyond what NHIF currently covers, including preventive and outpatient services. 4. Efficiency and Accountability: SHIF will have a stronger emphasis on transparency and accountability to prevent misuse of funds and ensure efficient use of resources. 5. Employer Contributions: Employers may also be required to match employee contributions, creating a more sustainable fund pool. This shift reflects Kenya's commitment to making healthcare more equitable, moving closer to universal health coverage for its citizens. Attached is a guide on how to register for SHIF, the contribution bands and compliance deadlines.

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