Insurance, SHA & Payments
How maternity care is paid for at Pumwani — government-subsidised services, SHA cover, private insurance and safe billing practice.
Ways to Pay
Most families pay little or nothing
Pumwani Maternity, Child & Referral Hospital is a public Level 4 county referral facility. Maternity services are free or subsidised under national and county government programmes, and we accept Social Health Authority (SHA) cover. Specialised items may attract a fee — always confirm at the billing office.
Government-subsidised care
- Free and subsidised maternity services for women across Kenya
- Emergency obstetric and newborn stabilisation regardless of ability to pay
- Referral from a Level 1–3 facility keeps your service category clear
- Ask Reception about waiver support if you cannot pay
SHA & national health cover
- Carry your SHA registration details and an ID at every visit
- The SHA registration desk is at Main Reception and helps with enrolment
- Cover is confirmed before non-emergency procedures
- Ask the billing office to explain what your cover includes
Private insurance & cash
- Private insurers are handled at the billing desk
- Bring your scheme card and, where required, an authorisation letter
- Pay at the hospital cashier only — never to an individual
- Request an itemised receipt for every payment
Payment safety: Pumwani Maternity, Child & Referral Hospital never demands payment through mobile numbers given over the phone. Confirm all charges at the official billing office, and keep every receipt.
The Billing Process
Four steps from admission to receipt
The same process applies whether you are covered by SHA, a private insurer, a county programme or paying cash.
Register at ReceptionPresent your ID and your cover details. Your file is opened and your service category recorded.
Confirm your coverSHA or insurer cover is verified, and pre-authorisation is requested for procedures that need it.
Receive careClinical care proceeds. No emergency patient is delayed while payment is discussed.
Settle & collect documentsCollect an itemised bill at the billing office, pay at the cashier, and keep your receipt and discharge summary.
| Your cover | What to carry | Where to confirm |
|---|---|---|
| Government / county programme | ID, Mother & Child booklet, referral letter if referred | Reception · Billing office |
| SHA | ID, SHA registration details | SHA desk at Main Reception · Billing office |
| Private insurance | Scheme card, employer letter or pre-authorisation | Billing office · Mon–Fri |
| Cash / self-paying | ID and the fee guide | Billing office · cashier |