Question

LIPA SHA POLE POLE FAQS

Answer 1

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LIPA SHA POLE POLE FAQs

Product Overview & Key Features

1. What is LIPA SHA POLE POLE?
LIPA SHA POLE POLE is a contribution plan that allows you to pay SHA premiums in manageable payments. It gives you a flexible payment schedule matching the earning patterns of your household. You can pay daily, weekly, or monthly.

2. What are the benefits?

• Flexible, affordable installments

• No loans or interest

• Continuous health coverage while managing payments

3. Is this a loan or credit service?
No. It is not a loan or credit product but a contribution plan.

4. Who is eligible?
You must:

• Be registered with SHA

• Be informally employed (not in formal employment)

• Have completed means testing and received your premium amount

• Have repaid any defaulted Hustler Fund Personal or Bridge Loan

• Make payments for all SHA arrears plus the next 4 months' premium

5. Any interest or hidden costs?
No fees or charges.

6. How do I access it?

• Dial *147# and select LIPA POLE POLE

• Or dial *254#, select Hustler Fund, then LIPA POLE POLE

7. How long does the plan last?
2 years.

• First 4 months are paid upfront.

• Remaining 20 months are paid via M-PESA Ratiba (daily/weekly/monthly) or direct payments.

8. Will I be able to borrow Hustler Fund loans?
Yes. Enrollment does not block access to Hustler Fund loans.

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Enrolment and Contribution

9. What if I don’t have enough M-PESA balance during enrolment?
The process will fail. You’ll get a notification and can try again after topping up.

10. How can I make monthly payments after the upfront 4 months?

• M-PESA Ratiba scheduled payments

• Direct payments via the LIPA SHA POLE POLE platform

11. What happens if I stop making payments before 2 years?
Your SHA cover will be interrupted. You must clear arrears before resuming.

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Opt Out

12. Can I opt out?
Yes. You can opt out anytime after paying your current contributions.

13. What happens to my SHA cover after opting out?
Your plan ends. You must pay full contributions through other means to keep your cover active.

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M-PESA Ratiba Standing Order

14. How do I create a Standing Order?
You’ll set it up during enrollment.

15. How do I manage Standing Orders?

• Dial *334#, select M-PESA Ratiba (option 9)

• Or use the M-PESA App Mini-App

16. Do I need to enter my PIN for scheduled payments?
No. Only during enrollment or if changing your schedule.

17. How will I know if payment was successful?
You’ll get a confirmation message. If it fails, you’ll get a failed payment notification.

18. What if I don’t have enough funds for a scheduled payment?
The system retries a few times the same day. If still unsuccessful, you must pay manually via *147# or *254#.