More than 400,000 teachers under the Teachers Service Commission (TSC) are now adjusting to significant changes in their medical cover after private insurance benefits were scrapped under the Social Health Insurance Fund (SHA).
The transition, effective December 1, 2025, has left many educators paying 2.5 per cent statutory deductions from their salaries while also covering “fees for service” at point of care.
Previously, teachers’ medical allowances funded private insurance, offering comprehensive coverage for themselves and their dependents. Many now say the new arrangement imposes extra financial burdens without providing equivalent benefits.
Former Public Service Regulatory Authority Director-General Fazul Mahamed described the transition as “economic sabotage disguised as reform,” highlighting that it was implemented without adequate consultation or public participation. He challenged teachers’ unions to negotiate better terms and protect members’ welfare.
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Kitutu Chache South MP Anthony Kibagendi warned that vulnerable teachers, particularly those with chronic illnesses, could face higher out-of-pocket medical expenses, potentially reducing access to necessary care.
Kenya National Union of Teachers (KNUT) and the Kenya Union of Post Primary Education Teachers (KUPPET) confirmed that medical allowances will now fund SHA, with teachers’ contributions totaling Ksh14 billion and government top-ups of Ksh8 billion.
Critics argue the move contravenes constitutional principles, including the right to fair administrative action and economic rights of workers. As teachers adapt to the new system, unions and policymakers face pressure to ensure that healthcare access, financial security, and member welfare are not compromised.
By Mercy Kokwon
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