Health cover

Medical bills are one of the biggest reasons Kenyan families fall into debt.

• Register with the national public health scheme (SHA) and keep your contributions up to date. It is a base for hospital costs.
• Consider a private medical cover on top if you can afford it, especially for inpatient (hospital) costs, which are the expensive ones.
• Check the waiting periods, the limits, which hospitals are covered, and whether pre-existing conditions are excluded.

Compare a few providers. The cheapest premium isn't always the best value if the cover is thin.