The trouble with SHIF and what should be done to fix it

The Social Health Insurance Fund (Shif) was launched with pomp and colour as a transformative moment in Kenya’s journey toward Universal Health Coverage (UHC). However, its implementation has been marred by several problems.

To many experts, this is not surprising. The funding model is flawed, structurally unsustainable and risky. It relies on a small number of contributors, and an unnecessary campaign for everyone to register and go to hospitals. The earlier this structure is redesigned, the better for everyone.

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width: 100%;
height: 60px;
z-index: 1;
background: linear-gradient(to bottom, rgba(255, 255, 255, 0), rgba(255, 255, 255, 1));
}

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position: relative;
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margin: 0 auto;
padding: 25px;
border: 1px solid #e0e0e0;
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box-shadow: 0 2px 10px rgba(0, 0, 0, 0.1);
background-color: #ffffff;
}

.paywall-header {
font-size: 24px;
font-weight: bold;
margin-bottom: 15px;
color: #333333;
text-align: center;
}

.price-highlight {
font-size: 20px;
font-weight: bold;
color: #d40511;
margin: 15px 0;
text-align: center;
}

.subscribe-button-green {
width: 70%;
padding: 12px;
background-color: #EE193A !important;
color: white;
border: none;
border-radius: 4px;
font-size: 23px;
font-weight: bold;
cursor: pointer;
margin-bottom: 20px;
transition: background-color 0.3s;
text-decoration: none;
text-align: center;
}

.subscribe-button-green:hover {
background-color: #b0030e;
}

.features-list {
margin: 20px 0;
padding-left: 20px;
list-style: none;
}

.features-list li {
margin-bottom: 10px;
position: relative;
padding-left: 25px;
}

.features-list li:before {
content: “✓”;
color: #d40511;
position: absolute;
left: 0;
font-weight: bold;
}

.countdown {
display: flex;
gap: 15px;
justify-content: center;
margin: 20px auto;
text-align: center;
}

.countdown div {
background: #f5f5f5;
padding: 10px;
border-radius: 6px;
min-width: 60px;
}

.countdown .num {
font-size: 22px;
font-weight: bold;
color: #d40511;
}

.countdown .label {
font-size: 12px;
color: #555;
}

@media (max-width: 768px) {
.subscribe-button-green {
width: 100% !important;
box-sizing: border-box;
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`;
} else {
teaserEl.innerHTML = “”;
}

activeEl.innerHTML = “”;
paywallEl.style.display = “block”;

} else if (now >= saleStart && now <= saleEnd) { paywallEl.style.display = "none"; var diffToEnd = saleEnd - now; var totalSeconds = Math.floor(diffToEnd / 1000); var days = Math.floor(totalSeconds / (24 * 3600)); var hours = Math.floor((totalSeconds % (24 * 3600)) / 3600); var minutes = Math.floor((totalSeconds % 3600) / 60); var seconds = totalSeconds % 60; activeEl.innerHTML = `

Offer ends in…

${days}Days
${String(hours).padStart(2,’0′)}Hours
${String(minutes).padStart(2,’0′)}Minutes
${String(seconds).padStart(2,’0′)}Seconds

Subscribe Now & Save

`;
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teaserEl.innerHTML = “”;
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}

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const days = Math.floor(totalSeconds / (3600 * 24));
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const hours = Math.floor(totalSeconds / 3600);
totalSeconds %= 3600;
const minutes = Math.floor(totalSeconds / 60);
const seconds = totalSeconds % 60;
return `${days}d ${hours}h ${minutes}m ${seconds}s`;
}

updateFlashSale();
setInterval(updateFlashSale, 1000);

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