SHA Minimum Contribution: KES 300 a Month Explained

What the Minimum Means

The KES 300 is a floor, not the rate. The rate is 2.75% of gross monthly income. The floor only matters when 2.75% comes to less than KES 300. SHA’s premium rates page sets the rate at 2.75% with a minimum of KES 300 per month, for both salaried and non-salaried individuals, with no upper limit.

The Break-Point: KES 10,909

Divide KES 300 by 2.75% and you get KES 10,909. Here is how that plays out:

Gross monthly income (KES)	2.75% calculation	Amount payable
5,000	137.50	300 (floor)
10,000	275	300 (floor)
10,909	300	300 (break-point)
15,000	412.50	412.50 (exact)
30,000	825	825 (exact)

For the full table across income bands, see SHA monthly contribution rates. To work out your own figure, use the SHA deduction rates calculator.

Who Pays the SHA Minimum Contribution

What 300 SHA Monthly Contributions Include

A KES 300 monthly contribution gives you the same SHA benefits as any higher contributor. Benefits are not tiered by amount. SHA manages three funds: the Primary Healthcare Fund, the Social Health Insurance Fund (SHIF) and the Emergency, Chronic and Critical Illness Fund (ECCIF). The amount you pay does not change which of these you can use.

For what each fund covers, see the SHA benefits package. For who else is covered by your contribution, see SHA household coverage.

Paying the Minimum

Payment steps are on separate pages so this one stays focused. Read how to pay SHA monthly contribution and how to pay SHA via M-Pesa. If you need to spread payments over time, see SHA Lipa Pole Pole.

If You Have Missed Months

Unpaid months build up as arrears. Read SHA arrears and penalties for what you owe and how to clear it.

Frequently Asked Questions

What is the SHA minimum contribution?

KES 300 a month. It applies when 2.75% of your gross monthly income is below KES 300.

Do I pay less if I earn less than KES 10,909?

No. Below about KES 10,909 gross, your contribution is the KES 300 minimum.

Is the SHA minimum paid monthly or yearly?

Monthly. At the minimum, that is KES 3,600 a year.

Do I get less cover if I pay the minimum?

No. Benefits do not depend on the amount you pay.

Why am I being asked for more than KES 300?

Your gross income may be above the break-point, or your means test may have set a higher household figure. Check afyayangu.go.ke to confirm your amount.

Is the SHA minimum the same for salaried and non-salaried members?

Yes. The KES 300 minimum applies to both. Salaried members pay 2.75% of gross pay through their employer. Non-salaried members pay 2.75% of household income, set through the means test.

What is the SHA contribution rate?

2.75% of gross monthly income, with a KES 300 minimum and no upper cap.