?? Overseas Treatment in India for SHA Kenya Members

Social Health Authority Overseas Package · Specialised Care · End-to-End Coordination by Satyug Healthcare

The Social Health Authority (SHA) is Kenya's universal public health insurance scheme that replaced the National Health Insurance Fund (NHIF) in October 2024. Under SHA's Overseas Treatment Benefit Package, eligible Kenyan members can access advanced medical care abroad for 36 specialised procedures not currently available in Kenya — with cover capped at KSh 500,000 per patient per year.

Satyug Healthcare is your trusted medical travel facilitator in India, helping SHA members navigate the overseas referral process, reach SHA-empanelled hospitals (and other top JCI/NABH centres for non-SHA-listed procedures), and manage every logistical detail — from airport pickup and accommodation to hospital admission, treatment coordination and post-discharge follow-up.

? KIMS Hospitals (NABH & AACI Accredited)

A major multi-speciality hospital chain operating across five Indian states. Specialises in cardiac sciences, organ transplantation, neurosciences and quaternary care. Among India's largest healthcare networks, offering advanced treatment at relatively affordable costs.

? Apollo Proton Cancer Center, Chennai (JCI Accredited)

India's first JCI-accredited cancer hospital and the only proton therapy centre in South Asia and the Middle East. Offers a fully integrated oncology suite covering surgical, radiation and medical oncology, with robotic surgery for complex cancers. Ideal for paediatric cancers, brain tumours, head & neck cancers and complex tumours where proton therapy is indicated.

You are assessed at a recognised, SHA-empanelled healthcare facility in Kenya (KUTRRH, KNH, Aga Khan, MP Shah or other approved Level 5/6 hospital). A specialist doctor evaluates your case and determines whether your condition requires specialised treatment abroad.

The Kenyan doctor issues a formal referral specifically to one of the SHA-approved overseas hospitals (e.g. KIMS Hospitals or Apollo Proton Cancer Center, Chennai). The referral note is submitted to SHA via the Kenyan facility.

The SHA-empanelled overseas hospital (KIMS or Apollo Proton) electronically logs the admission request into the SHA system. Satyug Healthcare assists by liaising with the hospital's international patient desk to share your medical reports and ensure prompt registration.

SHA verifies that you are an active, paid-up member and that your condition is on the 36-procedure list. The SHA Claims Management Office and KMPDC review and approve the request. Once approved, a Pre-Authorization Letter is issued confirming the KSh 500,000 cover.

With approval secured, you travel to India for treatment. Satyug Healthcare coordinates the hospital's Medical Visa Invitation Letter, airport pickup, accommodation, hospital admission and all logistical support.

After discharge, the overseas hospital submits the discharge summary and claim to SHA for settlement within the KSh 500,000 cover limit. On returning to Kenya, you must report to a designated local facility for follow-up care. Satyug Healthcare provides tele-follow-up coordination with your treating Indian specialist.

If your condition is not on SHA's 36-procedure list, or if treatment costs exceed the KSh 500,000 cap, Satyug Healthcare can still help. We have empanelled relationships with India's top JCI/NABH hospitals — BLK-Max, Apollo, Medanta, Fortis Memorial, Max Saket, Manipal, Artemis, Amrita and more — offering:

• 60–80% lower cost than treatment in the US, UK or Europe
• No waiting list — surgery/treatment scheduled within 1–2 weeks of arrival
• Free medical opinions from leading Indian specialists within 24–48 hours
• Self-pay packages with full transparency
• Coordination with private insurance providers (Britam, Jubilee, AAR, Heritage, etc.) if you hold supplementary cover

• 12+ years of experience supporting East African patients in India
• 1000+ Kenyan patients served — from oncology and cardiac surgery to transplants and paediatric care
• Established working relationships with international patient desks at KIMS and Apollo Proton Cancer Center
• Swahili and English-speaking case managers — direct communication with patients and families in Kenya
• Empanelled with BLK-Max, Apollo, Medanta, Fortis, Max, Manipal, Artemis, Amrita for non-SHA-listed procedures
• 24/7 patient helpline — single point of contact throughout your journey
• Transparent billing — no fee from patient, no hidden charges, no commission

Q1. Can I travel to India for treatment using my SHA card directly?

Not directly. You must first be referred by a Kenyan empanelled hospital and your condition must be on SHA's 36-procedure list. The referral goes to SHA, and only after SHA pre-authorization can you travel for treatment at an SHA-approved overseas hospital. Self-referrals are not allowed and SHA does not reimburse patients who travel independently.

Q2. How much does SHA cover for overseas treatment?

SHA covers up to KSh 500,000 per patient per year for the listed 36 procedures. This covers medical costs only (hospital, surgery, drugs, diagnostics). Travel, visa, accommodation, food and attendant costs are NOT covered — these are your responsibility.

Q3. What if the treatment costs more than KSh 500,000?

You pay the balance directly to the hospital. Many complex procedures (BMT, transplants, proton therapy) cost more than KSh 500,000. Satyug Healthcare helps you obtain a clear estimate before you travel so you can plan the additional out-of-pocket cost or arrange supplementary insurance, fundraising, or family contribution.

Q4. Which Indian hospitals are SHA-empanelled?

As of April 2026, two Indian hospitals are SHA-empanelled: KIMS Hospitals (multi-speciality, multiple cities) and Apollo Proton Cancer Center, Chennai (cancer and proton therapy). Additional hospitals are being onboarded — the list is updated periodically by SHA. If your condition isn't on the 36-procedure list, Satyug can help you access top JCI/NABH hospitals on a self-pay or private insurance basis.

Q5. How long does the SHA approval process take?

Once the Kenyan referral and complete medical documents are submitted, SHA approval typically takes 7–14 working days. Urgent cases (paediatric cancer, transplants) may be expedited. Satyug Healthcare works in parallel with the Indian hospital's international desk to keep things moving and follow up daily.

Q6. Does Satyug Healthcare charge any fee for SHA patients?

No. Our coordination, airport pickup, hospital assistance and case management services are completely free for SHA patients. We are paid a coordination fee directly by our partner hospitals — there are no charges, no commissions and no hidden fees from patients.

? Start Your SHA Overseas Treatment Journey

SHA member from Kenya? Get a free medical opinion and a clear cost breakdown (SHA cover + out-of-pocket) from leading Indian hospitals within 24–48 hours.

? +91-8860606766 | +91-9910655125

?? query@satyughealthcare.com

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