Kenya’s proposed mandatory local health insurance for foreign visitors has sparked considerable debate, framed within the broader health reforms embodied in the 2023 Social Health Insurance Fund (SHIF). The plan, which aims to provide comprehensive health coverage for both citizens and visitors, aligns with the government’s commitment to achieving Universal Health Coverage (UHC). This policy is designed to secure foreign visitors against unforeseen medical emergencies and chronic conditions, while also bolstering the financial viability of Kenya’s healthcare system through new revenue streams​. The requirement, which mirrors similar regulations in countries like the Schengen bloc, is expected to enhance tourists’ experience by offering peace of mind, but it may also raise concerns about the additional cost of travel to Kenya​.

Despite the government’s intentions, many Kenyans remain skeptical about the SHIF’s implementation. There are fears that the system might repeat the pitfalls of the National Health Insurance Fund (NHIF), which has been marred by inefficiency and allegations of corruption​. Citizens, particularly those in the informal sector, worry about the financial strain posed by mandatory contributions. The 2.75% income deduction—especially for the many Kenyans living in poverty or engaged in irregular work—has raised concerns that the scheme could disproportionately affect vulnerable populations​. Additionally, there are calls for clearer guidelines and better transparency regarding how the funds will be managed, with critics urging the government to address the current opaqueness in the insurance process and to invest in stronger accountability mechanisms to prevent future mismanagement​.

At the same time, the SHIF has notable potential benefits, particularly its focus on expanding access to primary healthcare services across the country. If implemented effectively, it could address critical gaps in Kenya’s healthcare system by improving equity and ensuring that low-income households can access essential medical services. The challenge for the government will be to balance these ambitious reforms with practical solutions to the concerns raised, especially by ensuring that contributions from both the formal and informal sectors are fair and manageable. Furthermore, addressing the transparency issues surrounding fund management will be key to building public trust and ensuring that Kenya’s journey towards UHC does not become bogged down by the same inefficiencies that plagued its predecessor, the NHIF.​

References:

Nation Ministry scales up travel insurance plan for visitors 

Forbes Advisor Travel Insurance For Trips To Kenya

Trip Insurance Travel Insurance

Business Daily Kenya to compel foreigners to buy local health cover