The higher your income, the higher your risk if you don’t protect it.
Here’s why:
➖SHA (formerly NHIF) is a strong foundation—it ensures you’re not turned away at the hospital doors.
But if you’re a high earner, SHA alone is not enough to secure the best medical care and your financial future.
Why?
- Because your income creates expectations.
- Your family depends on a certain lifestyle.
- Your responsibilities are heavier.
- Your financial goals are bigger.
- And you deserve better medical care.
Think More than SHA
Now imagine this—A sudden illness, surgery, or ICU stay.
SHA steps in, yes.
But the bill doesn’t stop there.
The balance is on you.
And for high earners, that balance can run into hundreds of thousands—or even millions.
Without private cover, you’ll be forced to:
- Burn through savings meant for investments
- Pile on debt that eats into future income
- Liquidate assets you’ve worked years to build
All while fighting to recover your health.
Why Private Cover Changes the Game
Covers what SHA leaves out – major treatments, specialist care, and higher hospital limits
Protects your lifestyle – so school fees, rent, and bills remain uninterrupted
Preserves your wealth – your savings and investments stay untouched, compounding for the future
Earning more means you have more to lose if you don’t protect it.
So, if you’re a high earner, don’t just rely on SHA.
Strengthen it with private cover and safeguard what truly matters—your income, your family, and your future.
At least get yourself an inpatient medical cover.
Review your cover today before life reminds you why you should have.
