How to Pay SHA Monthly Contribution: Why It Now Shows Annual
If you’re self-employed and your SHA dashboard is asking for KES 6,000 or 7,200 instead of the KES 500 or 600 a month you expected — you’re not being overcharged. SHA removed direct monthly payments for informal-sector members in June 2025. Your “monthly rate” is now billed as one annual total. Here’s exactly what that means and your two real ways to pay it.
Your Monthly Rate → What You’ll Actually Be Billed
| Means-Tested Monthly Rate | Annual Amount You’re Billed |
|---|---|
| KES 300 (minimum floor) | KES 3,600 / year |
| KES 500 | KES 6,000 / year |
| KES 600 | KES 7,200 / year |
| Your specific rate | Rate × 12 |
Your Two Real Payment Options
How to Pay the Annual Amount in Full
This uses the same paybill as any other SHA payment — see our full how to pay SHA via M-Pesa guide for the complete walkthrough. In short:
Open M-Pesa or Airtel Money
Dial *334# for M-Pesa or *222# for Airtel Money.
Select Pay Bill: 200222
Same SHA paybill used for every payment type.
Enter Your National ID as the Account Number
Then enter your full annual amount, not the monthly-equivalent figure.
Confirm with Your PIN
Save the confirmation SMS. Your cover activates once SHA processes the payment, usually within 24 hours.
How to Pay via Lipa Pole Pole (Installments)
Dial *147# or *254#
*147# is SHA’s own USSD menu; *254# opens the Hustler Fund menu directly.
Select “Lipa Pole Pole” (or “Make Payment” then “Lipa Pole Pole” on *147#)
The system will show your outstanding annual premium.
Choose Hustler Fund as Your Financier
Your annual premium is paid to SHA instantly by the loan.
Pick a Repayment Schedule
Daily, weekly, or monthly — repayment begins immediately once the loan is disbursed.
Confused About What You Actually Owe?
Tell us on WhatsApp — we’ll help you work out your correct annual amount and the best way to pay it.
WhatsApp Us NowFAQ: SHA Monthly Contribution
Can I still pay SHA monthly?
Not as a direct standalone payment if you’re self-employed or informal. Contributions are billed annually now. Lipa Pole Pole lets you repay in monthly installments, but that’s loan repayment, not a direct monthly SHA payment.
Why does my dashboard show a monthly figure if I have to pay annually?
The monthly figure is your means-tested rate, shown so you understand how your bill was calculated. The actual charge is that rate × 12, due as one annual premium.
What if I’ve fallen behind and now have arrears?
You’ll need to clear the outstanding balance, either in full via paybill 200222 or through Lipa Pole Pole. Your cover may be inactive until the arrears are settled.
Is Lipa Pole Pole a loan or a payment plan?
It’s a loan from the Hustler Fund. The loan pays your annual SHA premium immediately, and you repay the loan afterward — interest-free, but still a borrowing arrangement, not a direct instalment payment to SHA.
Can I opt out of Lipa Pole Pole later?
Yes, at any time via *147#. But once you opt out, any remaining balance on your annual premium becomes due immediately through direct payment.
Does the monthly-to-annual change apply to me if I’m employed?
No. If you’re formally employed, your employer continues deducting 2.75% of your gross salary every month and remitting it directly — this change only affects self-employed and informal-sector members.
