SHIF is a tax not an insurance policy that's why its being charged as a percentage of income just like any other taxation measure . The same applies to hustle fund, its just like any other levy, its a means to raise funds not provision of services. SHIF its like medicare tax( I believe its a copy), instead of like medicare being for the elderly and people with disability, its meant for everyone. So clearly the payouts would be limited. So this isnt nhif reform its a money grab.
Kenya is a crime scene, 1.5% import taxation for sgr, if those funds were ringfenced the chinese loan would have been cleared at least 2 times over. Until the rapacious government is starved off funds, kenya will remain a shithole country.