Haven’t taken the means test yet? Start with how SHA premium assessment works, step by step.
Understanding My SHA Premium Assessment: What the Amount You See Really Means
You finished the SHA means test and the portal shows a figure like 7,200 or 12,360. It does not say “per year” in big letters, so many people read it as a monthly bill and panic. This guide explains what your SHA premium assessment result means, how to turn it into a monthly amount, how to tell whether it is normal, and what to do if it looks too high.
The amount you see after the means test is your annual premium, not a monthly one. Divide it by 12 to get what you pay per month. For example, KSh 7,200 a year is KSh 600 a month, and KSh 12,360 a year is KSh 1,030 a month. The minimum is KSh 3,600 a year (KSh 300 a month). Find your result on Afya Yangu under My Profile, then Income.
- SHA premium assessment calculator: yearly to monthly
- What your SHA premium assessment amount means
- Annual to monthly conversion table
- Is my SHA premium assessment normal?
- How to see your SHA premium assessment online
- Understanding my SHA premium assessment questions and answers
- What to do if your premium assessment looks too high
- How to pay your SHA premium after the assessment
- Frequently asked questions
SHA Premium Assessment Calculator: Yearly to Monthly
Type the amount your assessment shows. Pick whether it is yearly (the usual case) or monthly, or tap an example.
Enter your amount to see what you pay per month.
An estimate for understanding only. SHA decides your official premium.
What Your SHA Premium Assessment Amount Means
For members without a payslip, SHA’s regulations set the contribution as an annual amount: 2.75% of household income as determined by the means testing instrument, and never less than KSh 300 a month. So when the portal shows one number after the means test, read it as the amount for the whole year.
- Treat the figure as yearly. A result of 7,200 means KSh 7,200 for the year.
- Divide by 12 for the monthly amount: 7,200 divided by 12 is KSh 600.
- Compare with the minimum: KSh 3,600 a year (KSh 300 a month). Nobody assessed through the means test pays less than this.
If the figure on your screen is already around 300 to 1,500, check carefully whether it is labelled monthly or yearly. A yearly amount that small would sit at or just above the minimum.
SHA Premium Assessment: Annual to Monthly Conversion Table
| Annual amount (assessment result) | Per month |
|---|---|
| KSh 3,600 (minimum) | KSh 300 |
| KSh 4,800 | KSh 400 |
| KSh 6,000 | KSh 500 |
| KSh 7,200 | KSh 600 |
| KSh 9,000 | KSh 750 |
| KSh 10,200 | KSh 850 |
| KSh 12,360 | KSh 1,030 |
| KSh 15,000 | KSh 1,250 |
| KSh 24,000 | KSh 2,000 |
Is My SHA Premium Assessment Normal?
SHA has reported how informal-sector households were assessed. Use this to see where you sit:
| Monthly equivalent | Yearly amount | Share of households (as reported by SHA in May) |
|---|---|---|
| KSh 300 to 500 | KSh 3,600 to 6,000 | 45% |
| KSh 501 to 850 | KSh 6,012 to 10,200 | 47% |
| KSh 850 or less, in total | Up to KSh 10,200 | 92% |
| KSh 1,001 to 3,499 | KSh 12,012 to 41,988 | 7.1% |
| Above KSh 3,500 | Above KSh 42,000 | 0.4% |
So if your yearly amount is KSh 10,200 or less, you are in the group SHA says covers most informal households. If it is far above that, it does not mean the result is wrong, but it is worth checking the answers behind it. Households identified as indigent through government data may be subsidised, so they do not pay this amount.
How to See Your SHA Premium Assessment Online
- Log in at afyayangu.go.ke with your National ID and PIN, then enter the OTP.
- Open My Profile, then Income. On a phone, tap the three dots first.
- Read the amount payable shown there, and note when it was set.
You can also dial *147# and follow the prompts. If you cannot log in, see how to reset your SHA PIN.
Understanding My SHA Premium Assessment Questions and Answers
The result comes from your answers. The questionnaire asks about the household head’s education, housing and its materials, water, toilet, cooking fuel and lighting, assets such as livestock, land and phone, airtime spend and money moved each month. The full list is in our SHA means test guide. What usually pushes an amount up:
- Answers that point to a higher standard of living, such as a larger house, land, livestock, a smartphone or high airtime spend.
- Answers rushed or guessed that do not match your real situation.
- Changes since the assessment, such as job loss, a closed business or a move, which are not updated automatically.
- Possible model error. An investigation by Lighthouse Reports with Africa Uncensored and The Guardian reported that the tool can overestimate the premium of some of the poorest households. SHA defended the tool and says members can request a review.
Do not change answers just to get a lower number. You confirm that your answers are accurate and true before the premium is calculated. Correct real mistakes and out-of-date details only.
What to Do If Your SHA Premium Assessment Looks Too High
| Your situation | Where to go |
|---|---|
| You think the figure is wrong or unfair | Read how to appeal your SHA contribution, including the Punguza Malipo route on *147# |
| You want to understand why it is so high | Read SHA contribution too high |
| You want to bring the premium down | Read how to reduce your SHA contributions |
| Your income or household changed | Update your details where the portal allows, then request a review |
| You cannot pay the full year at once | Ask about Lipa SHA Pole Pole (see below) |
SHA makes the final decision on every assessment. You can also call the SHA toll-free line on 0800 720 601.
How to Pay Your SHA Premium After the Assessment
- M-Pesa Paybill 200222, with your National ID number as the account number.
- The portal or *147#, where your outstanding annual amount is shown.
- Lipa SHA Pole Pole, which SHA says allows daily, weekly or monthly payments matched to your income, when you cannot pay in one go.
Payments take time to show, so see SHA payment not reflecting if yours is delayed, and check your cover with the SHA contribution history guide.
Understanding My SHA Premium Assessment FAQs
Is the SHA premium assessment amount monthly or yearly?
Yearly. For people without a payslip, SHA sets the contribution as an annual amount. Divide it by 12 to get the monthly figure.
How do I convert my SHA annual premium to monthly?
Divide the annual amount by 12. For example, KSh 7,200 a year is KSh 600 a month, and KSh 12,360 a year is KSh 1,030 a month.
How does SHA calculate premium?
SHA applies 2.75% to household income, with a minimum of KSh 300 a month. For people without a payslip, income is estimated from your means test answers. The exact scoring formula is not public.
How do you know your SHA premium?
Log in to Afya Yangu, open My Profile and then Income. You can also dial *147#. Your annual amount is shown there.
How much is SHA per month for the unemployed?
The minimum is KSh 300 a month, or KSh 3,600 a year. Your actual figure depends on your assessment. SHA has reported that most informal-sector households are assessed at KSh 850 a month or less.
Why is my SHA premium assessment so high?
Usually because of the information behind it: answers that suggest a higher standard of living, details that were rushed, or changes since the assessment. Review the answers, then request a review or appeal.
Can I change my SHA premium assessment?
If your household or income has changed, update your details where the portal allows and ask SHA to review the result. See the appeal guide for the routes.
Do I pay the whole amount at once?
The amount is an annual total, but you do not have to find it all at once. Ask about Lipa SHA Pole Pole, which allows smaller daily, weekly or monthly payments.
Is This the Right Page?
| You want to | Page to use |
|---|---|
| Take the means test for the first time | How SHA premium assessment works |
| See every means test question | SHA means test guide |
| Challenge a figure you think is wrong | How to appeal your SHA contribution |
| Understand a high amount | SHA contribution too high |
Related Guides
Not sure your SHA premium assessment is right?
Send us a WhatsApp message with the amount you see and what has changed in your household. We will tell you the price before you pay.
Chat with us on WhatsAppIndependent service. We only contact you from 0751 947 700.
Sources
- Social Health Insurance (General) Regulations, 2024
- SHA: Means Testing
- The Star: SHA defends means testing tool, says new model protects poor
- Lighthouse Reports: How we investigated Kenya’s AI means testing system
Disclaimer: MyCyber is an independent educational website and assistance service, not affiliated with SHA, the Digital Health Agency or the Government of Kenya. The calculator only converts and compares the amount SHA shows you. SHA decides every premium assessment, review and appeal. Confirm at sha.go.ke or call 0800 720 601.
Data protection: By messaging MyCyber on WhatsApp, you agree to our data protection terms and conditions.
