Medical Cover Cost vs Benefit Analyzer

Compare SHIF and private medical covers on annual cost, expected out-of-pocket, and estimated coverage value.

1. Household & usage assumptions Same for all plans

Household size (covered lives)

Expected outpatient visits / year

Expected admissions / year

Health cover budget per month (KES)

For affordability status only – use your realistic monthly budget for premiums.

2. SHIF / national scheme Baseline cover

Monthly SHIF contribution (KES)

Average co-pay per visit (KES)

Approx. inpatient limit / year (KES)

Approx. outpatient limit / year (KES)

Use rough estimates based on SHIF benefit tables and your chosen facility.

3. Private medical plans Top-up / alternative covers

Private Plan A

Private Plan B

Please enter sensible values: household size & usage assumptions must be positive for meaningful comparisons.

💡 This is a high-level comparison. Always check detailed benefit tables, exclusions, and hospital panels before choosing a cover.

Cost vs Benefit Summary

Waiting for numbers…

Best value plan: —

Enter your budget & plan details to see rankings.

Relative annual cost vs value Cost & value bars not yet calculated

Average annual cost (all plans)

Average value score (all plans)

Value score = (inpatient + outpatient limits, adjusted for extras and co-pays) divided by annual cost. It’s a simple indicator – not a guarantee of actual claim payments or hospital experience.

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Medical Cover Cost vs Benefit Analyzer

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