Jobless and Self-Employed Kenyans must Complete the Means Testing to assess monthly contributions
If you are self-employed or unemployed in Kenya and want to access the benefits of the Social Health Authority (SHA) health insurance, you will need to complete a Means Testing process. This guide will walk you through the steps of the Means Testing process, helping you provide the necessary information to determine your monthly premium contribution.
This process is specifically for self-employed or unemployed Kenyans who are not salaried. By following these steps, you can ensure you meet the requirements and access affordable healthcare services through SHA.
Step 1: Log in to Your SHA Profile
- Open your SHA profile and log in.
- Under your profile, go to the Income section.
- Select Self-employed as your employment type. This means you don’t have an employer name or carrier PIN, making you eligible for Means Testing.
Step 2: Navigate to the Means Testing section
- After logging in, go to the Home page.
- Under Home, find and select the Means Testing option.
- Click on Start Means Testing to proceed.
Step 3: Answer the Household Information Questions
Household Head’s Education:
- You will first be asked about the highest form of education for the head of the household.
- Choose the option that best matches your level of education (e.g., Mid-level college).
Household Characteristics:
- Indicate the number of people living with you by answering the question: How many dependents spent the previous night in the home?
- Gender of the household head: Select Male or Female.
- Does the household head have a source of income? Select Yes or No.
Marital Status:
- Choose your marital status from the following options: married (monogamous), polygamous, living together, separated, divorced, widowed, or never married.
Dwelling Type and Ownership:
- What type of dwelling is the household? Choose between bungalow, flat, mansion, swahili-style house, shanty, or another type of home.
- How many bedrooms does the house have? Enter the number of rooms used for sleeping.
- Do you own or rent your home? Choose Own or Rent.
- What is the predominant roofing material? Options include iron sheets, tiles, asbestos, concrete, etc.
Housing Materials:
- Wall material: Choose from options like concrete, brick, wood planks, etc.
- Flooring material: Choose from options like ceramic tiles, wall-to-wall carpet, etc.
Step 4: Additional Household Information:
Water and Toilet Facilities:
- What is your source of drinking water? Options include piped water, bottled water, borehole, well, or rain harvested water.
- Do you share toilet facilities with other households? Select Yes or No.
- What is the main method of waste disposal? Choose from sewer line, septic tank, pit latrine, etc.
Energy Sources:
- What is the main source of cooking energy? Options include electricity, charcoal, wood, lpg, biogas, etc.
- What is your primary source of lighting? Choose electricity, solar, or other options.
Step 5: Household Items and Assets
Household Items Ownership:
Do you own any of the following items? Check as many as apply:
- Radio
- TV
- Smartphone
- Laptop
- Refrigerator
- Desktop Computer
- Tablet
Vehicles and Livestock Ownership:
Do you own any of the following?
- Motorcycle
- Car
- Pickup Truck
- Livestock (Cattle, Poultry, Sheep, Goats, etc.)
Step 6: Government Assistance and Land Ownership
Do you receive any assistance? Check any relevant sources:
- National Government
- County Government
- NGOs
- Relatives or Friends
- How much land do you own? Specify the size of land owned by your household.
- How much of this land is used for agricultural activities? Indicate the size of land used.
Step 7: Additional Information
- What is your average monthly airtime usage? Enter an estimate of your monthly airtime usage.
- How much money do you transact per month? Provide an estimate based on your M-Pesa or bank transactions.
Step 8: Declaration
- You will be asked to attest that all information provided is true and accurate to the best of your knowledge.
- Authorize SHA to validate the data for legitimate purposes.
Step 9: Submit Your Information
- Review your answers to ensure all details are correct.
- Once you’re satisfied, click Submit.
Step 10: Review Your Premium Calculation
- After submission, the system will calculate your monthly and annual premiums based on the information you provided.
- For example, your monthly premium could be Ksh600, translating to an annual payment of Ksh7,200.
Step 11: Pay Your Premiums
- After completing the Means Testing and reviewing your premium, you will be directed to pay your premiums.
- Follow the instructions to make the payment and ensure that you are able to access SHA services.
By following these steps, you’ll complete the Means Testing process and determine your premium contribution to SHA. Take your time to answer each question carefully and ensure accuracy for the best results. This simple process ensures that self-employed or unemployed Kenyans can access affordable healthcare services through SHA.
