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Message: [QUOTE="Munyaradzi Mafaro, post: 47714, member: 636"] Kenya's old health insurance system faced serious problems for over fifty years. The National Hospital Insurance Fund helped millions of people pay for medical care with monthly payments as low as 500 shillings. Criminals stole billions through fake medical claims and false billing records. Hospital workers submitted bills for surgeries that never happened and charged for patients who did not exist. Government audits found that over 21 billion shillings disappeared from the fund. Officials launched the Social Health Insurance Fund in October 2024 to fix these corruption issues. The new system cost 106 billion shillings to build and promised better oversight of medical payments. Health Minister Aden Duale suspended 31 hospitals for submitting fraudulent claims within the first year. These facilities charged patients twice for the same procedures and billed for ghost admissions. Criminal investigators received files to prosecute the suspected fraud cases. The payment system creates new hardships for ordinary citizens across the country. Workers must pay annual lump sums instead of monthly payments under the previous system. Many people cannot afford large upfront costs because they earn irregular incomes from informal jobs. The government offers loans through the Hustler Fund to help cover insurance payments. Citizens worry about taking on debt and distrust the government credit programs. Technical problems and confusing rules make the system difficult to use for many Kenyans. Digital platforms often fail and force patients to pay medical bills from their own money. Poor communication from officials leaves people confused about how the new system works compared to the old one. [/QUOTE]

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