Households without salaried income must contribute to the SHIF. However, SHIF Contributions for Non-Salaried Households in Kenya work differently from those with salaried jobs. Below are the key rules and processes.
1. Annual Contribution Rate
First, non-salaried households must make an annual contribution to SHIF. This contribution is set at 2.75% of their household income. The income level is determined through a means-testing instrument, ensuring fairness based on their financial ability.
2. Minimum Monthly Contribution
Even though contributions are annual, households must pay at least Kshs. 300 per month. This rule guarantees that all contributors, regardless of income, meet the minimum requirement for health coverage.
3. Payment Deadlines
Non-salaried households must pay the full annual amount 14 days before their contribution year ends. This deadline helps avoid any interruptions in their health insurance coverage.
4. Premium Financing Options
Thankfully, the Authority, together with the Ministry responsible for cooperatives and MSMEs, provides premium financing options. These options allow non-salaried contributors to pay their annual contributions in line with their income availability. This flexibility makes it easier for those without steady monthly incomes to stay insured.
5. Direct Remittance of Premium Financing
When households use premium financing, the payments go directly to SHIF. This ensures no delays in processing, and contributors maintain continuous coverage.
6. Informing Members About Financing
The SHIF Authority actively informs members about available premium financing products. This keeps non-salaried households aware of financial tools that can help them manage their payments.
Conclusion
SHIF Contributions for Non-Salaried Households in Kenya , is compulsory but with some flexibility. They pay based on their household income, with premium financing available to help manage costs. By following these guidelines, households can maintain their health insurance coverage while staying compliant with the law.