Insight Consumer Magazine Edition 03

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EDITION 03 | MAY - JULY, 2016

Enlightening You

Cost of living Rent, Food, Electricity, Phone...

Renovation Painting and Lighting

Tax Amnesty Shopping Insights Promotions and Credit

INSIGHT CONSUMER | EDITION 03 | MAY - JULY, 2016 www.insightpublication.org

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INSIGHT CONSUMER | EDITION 03 | MAY - JULY, 2016

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CONTENT

Editor’s Note I Dear Reader,

t is with great pleasure that I welcome you to the 3rd edition of the Insight Consumer Magazine. This is a quarterly publication that seeks to give guidance on issues pertaining consumer brands and trends, healthcare, education, property management, finance and insurance.

The magazine is distributed for free to shoppers/ consumers in major towns throughout the country, who can get copies from dropping points in selected retail stores.

What to consider when buying land. PG 4

Online platforms of the publication is available for a wider reach from the link: http://insightpublication.org/ Esteemed suppliers and solution providers are welcome to connect with their consumers by building their brands and expanding their visibility by advertising in the publication.

We believe that the publication will be a useful tool for your strategy on the growth of your business.

Dealing with the rising cost of living. PG 10

I would like to extend our gratitude to all those who through their tireless efforts have made the publication a success; the entire insight publication stakeholders and contributors.

Finally, as we pursue to improve on the magazine and make it better for our reader, we welcome feedback from you on info@insightpublication.org

Managing your energy consumption. PG 15

Enjoy reading!

Plus

Titus Korir.

MAGAZINE

Published by: Insight Publication Birdi Centre, Mombasa Road P.O. Box 36106 Nairobi 00200 T. +254 (0) 735 / 725 - 350 690 e. consumer@insightpublication.org www.insightpublication.org

Environmental Tips Insurance Insight Career Insight Health Insight Technological Trends Home Colours

Pg 8 Pg 9 Pg 11 Pg 12 Pg 14 Pg 16

Editorial team Titus Korir - Chief Editor Maureen Musili - Editor

Contributors Becky Siwa Joseph Munyua Gerard Kainga

Advertising Robert Kemboi Anita Rotich

Design & Layout Smartex Creative Graffix Tel: 0721 496 922

Š2016 Insight Consumer. All material is strictly copyright andall rights were reserved. Reproduction in whole or in part without the written permission of Insight Consumer is strictly forbidden. The greatest care has been taken to ensure the accuracy of information in this magazine at the time of going to press, but we accept no responsibility for omissions or errors. The views expressed in the magazine are not necessarily those of Insight Consumer or Insight Publications.

INSIGHT CONSUMER | EDITION 03 | MAY - JULY, 2016

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PROPERTY INSIGHT

What to consider when buying land

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aking a huge decision could at times be scary, this is so especially if you are investing in a property like land. For many, this could be a lifetime accomplishment after frequent saving just to own that acre or plot.

Buying land applies basic principles and need not be complicated as long as there is a willing seller and a willing buyer. With that said, there are however, pitfalls that one should be weary of; here are some few steps that should be considered when purchasing that piece of land.

1. Land identification Other than knowing the physical location of the land, the first step in purchasing land should be to conduct a site visit. This will help you to get acquainted with the environment and the infrastructure.

Beacon identification will give you a clearer vision of the shape and size of the land and its actual boundaries, as opposed to looking at what is on the title deed plan. Although there are various ways of identifying land like engaging in a real estate agent, it is important to do some basic due diligence about the property, to ascertain issues like, the topography of the area when it rains, the surrounding environment and much more.

2. Do an official land search – once you have inspected the land and ensured that it is to your desire, the buyer should then give you a copy of the land title deed to facilitate your search at the land registry. Here you will fill a search application form, attach a copy of the title deed then pay a little amount to facilitate for the search. This will take a maximum of three hours to get your results and you will get to ascertain the registered land owner, acreage of the land as well as any hindrances registered against the title deed such as caveats and court orders. a) County office search – This helps to confirm any unpaid land rates. In case of this, you will need to agree with the owner as to who should settle the matter, as this may affect the purchase price of the land. It is from the county office that you will obtain a Clarence certificate.

3. Land maps – there are two land maps; one that is drawn to scale and another

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is an overview of the land showing neighboring plots. These can be obtained from either the Land ministry or a local surveyor upon agreement.

4. Ground verification – Armed with the land maps. The buyer together with the seller and the surveyor should visit the site to double check the dimension of the land as per the land maps. This is where the buyer should make sure that the beacons are placed in the right spot to avoid future disputes.

5. Sale agreement – An agreement of sale is then prepared by the seller containing the price of the land, mode of payment and the documents to be supplied by the seller. The buyer is advised to appoint a lawyer to represent him as he signs the document. Lawyers often have standard sale agreements, it is important to make sure it suits the circumstance of your transaction before signing. It is advisable to incorporate the Land Control Board which is a forum consisting the assistant county commissioners and the local elders that meet once per month. Their role is to ensure that land transactions are done in a transparent manner.

6. Post agreement transaction – once the transaction has been finalized, the buyer or his advocate prepares a

INSIGHT CONSUMER | EDITION 03 | MAY - JULY, 2016

transfer, which is signed by the seller and his advocate. To fill this, both parties have to provide documentation such as ID, PIN certificate, the original title deed, land rates clearance certificate, the land valuation and passport sized photographs. The buyer will then go to the ministry of Lands to change ownership.

7. Stamp duty – the buyer is required to apply for the land valuation using the valuation form duly completed by the seller. The Lands office will use this document to determine the stamp duty payable.

8. Follow up – The buyer should then take the initiative to confirm that the land is registered under his details by doing another research with the Ministry of Lands.

When it comes to investing in real estate, the most important things are to be really keen with details and avoid shortcuts. For a major part of the whole process, the buyer and seller are faced with sensitive documents and agreements not to mention varied terms and conditions; hence the need to consider the stipulated factors. This will ensure the peace of mind and general satisfaction of the seller and buyer of the land respectively.

INSIGHT CONSUMER | EDITION 03 | MAY - JULY, 2016

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KENYA REVENUE AUTHORITY ISO 9001:2008 CERTIFIED

Tax Amnesty On Rental Income: Frequently Asked Questions (Faqs) 1.

What is a tax amnesty on rental income?

It is a Government pardon to landlords (individual or company) on their past undeclared rental income, introduced in the Finance Act 2015.

2.

What are the effective dates of the amnesty?

The amnesty runs for a period of 12 months from 1st July 2015 to 30th June 2016.

3.

Who is eligible for the amnesty?

Landlords, who will fully declare their undisclosed rental income for years 2014 and 2015, submit tax amnesty returns and pay principal tax on or before 30th June 2016 will be eligible for amnesty. The Landlords will be eligible for 100% amnesty on principal taxes, penalties and interest for the year 2013 and prior period. Further, waiver on penalties and interest for the years 2014 and 2015 will be granted.

Note: This is on condition that they fully declare their undisclosed rental income and pay principal taxes due.

b) For companies, the net rental income is taxed at 30%. c) Non resident landlords are subject to a final withholding tax at 30% on gross rents.

Please note: Once you file your amnesty return online in iTax, the system will automatically compute tax due. The tax payable will be duly reflected in the E- slip generated.

14. Will there be another Tax Amnesty on landlords?

No other tax amnesty is envisaged. Landlords are therefore encouraged to take advantage of this most generous tax amnesty ever given by the Government.

15.

If I have been subjected to compliance check, audit or investigation but I did not disclose all my rental income, can I benefit from the amnesty?

Yes, subject to full disclosure of undisclosed rental income for years 2014 and 2015 and full payment of principal tax.

4.

Will the estate of a late landlord qualify for the amnesty?

Yes, the estate administrator or legal personal representative can apply for the amnesty on behalf of the estate.

16. How will I know that my application was successful?

Upon satisfying all the requirements, including filing the tax amnesty returns for 2014 and 2015 and paying all taxes thereof, the Commissioner shall issue an Amnesty Certificate from 1st July 2016.

Note: Applicants shall not be required to apply for the waiver of tax interest and penalties once they have filed return online and paid principal tax due in full.

5.

I am Kenyan living in diaspora and earning rental income from a property in Kenya. Am I eligible for the amnesty?

Yes all landlords who declare submit amnesty returns, and pay principal tax due on undisclosed rental income for 2014 and 2015 years of income are eligible.

17.

6.

Are corporate companies eligible for the amnesty?

Yes, the tax amnesty is for all landlords (individual or company).

18. What if am unable to pay entire tax declared at once. Am I allowed to pay in installments?

Cases for taxpayers unable to pay at once will be reviewed and decided upon based on merit.

However, such taxpayers will be required to formally make their request to the manager of their respective KRA station. But, the tax due must be paid within the amnesty period for one to be issued with a Tax Amnesty Certificate.

7.

If I have both residential and commercial rental income, am I eligible for the tax amnesty Yes, all landlords earning rental income (residential and Commercial) are eligible for amnesty.

8.

If I have been assessed on the tax or, am currently under compliance check, audit or investigation, am I eligible for the amnesty?

No, the amnesty shall not apply to landlords in respect of any tax where the person has already been assessed or was under tax compliance check, audit or investigation as at 30th June 2015.

9. a) b) c) d)

What benefits will I get if I take advantage of the amnesty?

100% waiver on principal taxes, interest and penalties for the years of income 2013 and prior.

Pay only principal taxes and get 100% waiver on interest and penalties for 2014 and 2015 years of income.

You will not be subjected to further tax compliance checks, audit or investigation for the years 2015 and prior.

Where expenditure against rental income cannot be supported, you will enjoy a deduction of 40% of the gross rental income as expenditure.

10. How am I expected to apply for the amnesty?

The online module for filing the Amnesty return has now been deployed on iTax system. All landlords wishing to take advantage of the Tax Amnesty on Rental Income are required to file the amnesty returns for Years of Income 2014 and 2015 through this module.

Please note that filing the amnesty returns and making full payment will serve as an amnesty application and therefore no separate application will be required.

The returns and payment of principal tax must be made within the amnesty period, that is, on or before 30th June 2016.

11. How do I file the tax amnesty return?

The Amnesty Return must be filed online via iTax System.

To file online, first register with iTax via link; https://itax.kra.go.ke.

Once you log on to iTax using your KRA PIN and password, Go to ‘Returns’ menu, Select the ‘Tax Obligation’ as ‘Income Tax – Amnesty’ and indicate the return period appropriately. Proceed to complete other details, upload and submit the return.

12. How will I pay the taxes?

Generate electronic payment slip (Payment Registration Number - PRN or E-Slip) which you will use to make payment. To generate E-slip click on ‘Payment’ option immediately after uploading and submitting your tax return and fill details.

Select ‘Payment Registration’, choose the ‘Tax Head’ (Income Tax) and ‘Tax Sub Head’ (Income Tax Amnesty).Using the PRN No, Pay in full the declared principal tax at your bank; or via Mpesa or Airtel money.

Note that Interest and penalty shall be waived automatically upon full payment of principal tax.

Note: For more details, please visit the KRA Website for a simplified step by step guide for application and processing of the tax amnesty.

13. How will I compute the taxes due under the amnesty?

One is required to prepare a Rent Schedule for all gross rental income; deduct all (supported) expenses wholly and exclusively incurred in earning the rent, (or 40% of gross rental income where there is no documentation to support expenses).

The taxation rates are dependent on whether the person is a resident or non-resident as follows; a) For resident individuals, the annual tax rates (on total annual income including net rent income) are graduated and calculated on net rent based on the following current individual tax rates:

On the first Kshs. 121,968 .......................10%

On the next Kshs. 114,912 ...................... 15%

On the next Kshs. 114,912 .................... 20%

On the next Kshs. 114,912 .....................25%

On all income over Kshs. 466,704.........30% Personal tax relief of Kshs 13,944 p.a. will be applicable if not previously claimed.

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INSIGHT CONSUMER | EDITION 03 | MAY - JULY, 2016

After taking up the amnesty, can I be subjected to a compliance check, audit or Investigation for the past years?

No, you will not be subjected to compliance checks, audits or investigations if you fully disclose rental income for the years 2014 and 2015 and pay all principal tax.

19. What if the property inherited is in dispute and case currently in court?

Where property is in dispute, the party receiving rent is expected to account for tax due from the rental income and may also apply for tax amnesty.

20. Will my tax information details be accessible to any other third party?

No, the law does not allow personal tax information to be shared or accessed by third parties and the information will be treated with confidentiality.

21. What if the property is co-owned with my wife /husband? Do I still qualify?

Yes, the amnesty is for all landlords (individual or company). Where property is co-owned, the one receiving rental income is required to account for tax due and may apply for tax amnesty. However, if income is shared, each party may apply for tax amnesty for their portion.

22. What if I have just bought the property from someone who was not paying taxes on the property? Will I need to pay his outstanding taxes?

You will be required to account for tax on rental income for the period you owned the property. The previous owner will be liable for tax for the earlier period.

23. What if the property inherited is still under the process of being transferred?

The current recipient of the rental income is liable to taxes and may elect to apply for amnesty for any outstanding taxes.

24. What penalties are due if I don’t pay the tax due under the amnesty?

The Tax Procedures Act provides for heavy penalties for failure to pay any tax within stipulated timelines. For any landlord not taking advantage of the tax amnesty, KRA has the right to issue assessments going back upto five (5) years (or even more in cases of fraud). You also run the risk of having your property auctioned to recover such taxes.

25. What if I have a dispute with KRA over computation of due taxes. What should I do?

Any landlord whose case is currently under audit or investigation by KRA is not eligible for the tax amnesty. For such cases, the landlord is advised to take advantage of other dispute resolution mechanisms available including Alternative Dispute Resolution (ADR) or Tax Appeals Tribunal (for further details, contact your KRA- Domestic Taxes station). The tax amnesty is only for those who will voluntarily disclose any undeclared tax on rental income for 2014 and 2015.

26.

Will the new tax measures on landlords lead to increased tax burden that will be passed to tenants through increase in rent?

The new tax measures on landlords are meant to enhance voluntary compliance and will indeed, reduce their tax burden through reduced cost of compliance and pardon for non compliance prior to 2013. Therefore, there is no justification for landlords to increase rent to tenants. Moreover, any increase in rent means more rental income and more tax to pay by the landlord.

For more details on the Tax amnesty on rental income visit the KRA website; www.kra.go.ke (web page named: 2015 Landlords Legislation) Contacts for further clarification: • Mercy Mutisya on Tel. +254(020)2715540/2717611/2717642/2718513 Ext. 2085 Email; mercy. mutisya@kra.go.ke • Josephine Mugure Ext. 2025, Email; josephine.mugure@kra.go.ke Enquiries can also be directed to the KRA Call Centre; +254 (020)4999999/+254 (0711) 099 999 or email: callcentre@kra.go.ke or KRA Help Desk: +254(020)2816095/+254 (020) 2812010 or via email: rentalincome@kra.go.ke or visit KRA Help Desk at Times Tower Building, Ground Floor or the nearest KRA Domestic Taxes Station for assistance.

Note: The Income Tax Act Cap 470 Laws of Kenya is available at the KRA website.

Disclaimer: Taxpayers are notified that if there is any inconsistency between the provision of the Revenue Laws and the information contained herein, then the Revenue Laws shall prevail.

KENYA REVENUE AUTHORITY ISO 9001:2008 CERTIFIED

TAX AMNESTY ON RENTAL INCOME - WHAT YOU NEED TO KNOW 1.

The Law Kenya Revenue Authority (KRA) wishes to inform taxpayers and the general public that the Finance Act 2015 has introduced a Tax Amnesty for landlords (individual or company).

2.

Period Covered by the Tax Amnesty The tax amnesty covers a period of 12 months starting 1st July 2015 to 30th June 2016.

3.

Eligibility for Amnesty Landlords, who will fully declare their undisclosed rental income for years 2014 and 2015, submit tax amnesty returns and pay principal tax on or before 30th June 2016 will be eligible for amnesty. The Landlords will be eligible for 100% amnesty on principal taxes for years 2013 and prior as well as penalties and interest for the years 2014 and 2015, if any.

The following individuals will also qualify for amnesty; a) Deceased Landlords The estate administrator or legal personal representative is allowed to account for tax on rental income on behalf of the deceased and therefore can apply for the amnesty. b) Kenyan Living in Diaspora Kenyans living in the Diaspora and earning rental income from a property in Kenya are eligible for the amnesty. c)

Non residents Those earning rental income from property in Kenya.

4.

Amnesty Exceptions The tax amnesty shall not apply in any cases where; a) The person has already been assessed or is currently under tax compliance check, audit or investigation as at 30th June 2015. b) If, to the best judgment of the Commissioner, a landlord has not made full disclosure of the rental income and tax due. c) If principal tax declared has not been fully paid within the amnesty period, that is, by 30th June 2016.

Note: In cases where landlords’ fails to fully disclose tax due and KRA has evidence, further tax assessment shall be made and payment of tax due (including penalties and interest) shall be enforced.

5.

Application for Tax Amnesty The online module for filing the Amnesty return has now been deployed on iTax system. All landlords wishing to take advantage of the Tax Amnesty on Rental Income are required to file the amnesty returns for years 2014 and 2015 through this module.

Please note that filing the amnesty returns and making full payment will serve as an amnesty application and therefore no separate application will be required. The returns and payment of principal tax must be made within the amnesty period, that is, on or before 30th June 2016.

6.

Filing of Amnesty Return The Amnesty Return must be filed online via iTax System.

To file online, first register with iTax via link; https://itax.kra.go.ke.

Once you log on to iTax using your KRA PIN and password ,Go to ‘Returns’ menu, Select the ‘Tax Obligation’ as ‘Income Tax – Amnesty’ and indicate the return period appropriately. Download the return and proceed to complete other details, upload and submit the return.

Note that interest and penalty shall be waived automatically upon full payment of principal tax.

NB: A simplified step by step guide for Return filling, application and processing of tax amnesty on rental income is available at the KRA Website.

7.

Amnesty Certificate Upon satisfying all the requirements, including filing the tax amnesty returns for years 2014 and 2015 and paying all taxes thereof, the Commissioner shall issue an Amnesty Certificate from 1st July 2016.

Note: Applicants shall not be required to apply for the waiver of tax interest and penalties once they have filed return online and paid principal tax due in full.

8.

Applicable Tax Rates The taxation rates are dependent on whether the person is a resident or non-resident as follows; 1. For resident individuals, the annual tax rates (on Total Annual income including net rent income) are graduated and calculated on net rent based on the following current individual tax rates:

On the first Kshs. 121,968 .......................10%

On the next Kshs. 114,912 ...................... 15%

On the next Kshs. 114,912 .................... 20%

On the next Kshs. 114,912 .....................25%

On all income over Kshs. 466,704.........30%

Personal tax relief of Kshs 13,944 p.a. will be applicable if not previously claimed.

2. For companies, the net rental income is taxed at 30%.

3. Non resident landlords are subject to a final withholding tax at 30% on gross rents.

9. a)

How to Compute Income Tax on Rental Income Prepare a rent schedule for all let property showing the number of property, rent received per property, gross rent received and all expenses incurred per property.

Please note that the law allows taxpayer to deduct only allowable and supported expenses to arrive at the net rent. However, for the purpose of the current amnesty ONLY, where a person has no documentation to support expenditure, the law allows a deduction of forty percent (40%) of gross rental income as expenses. Examples of tax computations are provided below. b) Complete an amnesty tax return online via iTax by declaring the gross rent and deductible expenses. c) The system will compute the tax payable and generate the Payment Registration Number – PRN (E-slip) to facilitate payment at appointed banks or Mpesa/Airtel Money.

Worked out Example 1: Resident Individuals Mr. Landlord has two properties from which he is earning rents as follows:

• Property A with 5 units, at Kshs. 20,000 per month per unit.

• Property B with 10 units at Kshs. 15,000 per month per unit.

Assumptions: 1. All units were occupied by tenants throughout the accounting period of 2014.

2. During the accounting period, he incurred the following expenses:

i) ii) iii) iv) v) vi) vii) viii)

Land Rates – Kshs.10,000 Property insurance – Kshs. 20,000 Agents fees – Kshs. 30,000 Repairs – Kshs. 160,000 School fees – Kshs. 120,000* Loan interest – Kshs. 85,000 Electricity – Kshs. 60,000 During the year, his principal loan repayment amounted to Kshs. 250,000**

3. His accounting period ended on 31st December 2014.

Computation of taxable rent income is as follows: Gross Rent income for the year: Property A - 5 units x Kshs. 20,000 x 12 months 1,200,000 Property B – 10 units x Kshs. 15,000 x 12 months 1,800,000

Total Rent income in Kshs 3,000,000

Less: Allowable expenses (Kshs.):

Land Rates 10,000

Insurance 20,000

Agent’s fees 30,000

Repairs 160,000

Loan interest 85,000

Electricity 60,000 365,000

Net taxable rent income (Kshs.)

2,635,000 Notes: * School fees is a personal expenditure therefore is not an allowable deduction. ** Principal Loan repayment is a capital item and not an allowable deduction. d)

e) f) g)

Computation of Mr. Landlord’s tax for the year (on the assumption that he does not have any other incomes): Taxable annual net rent income for the year - Kshs. 2,635,000 The first Kshs. 121,968 @ 10%

12,197 The next Kshs. 114,912 @ 15%

17,237 The next Kshs. 114,912 @ 20%

22,982 The next Kshs. 114,912 @ 25%

28,728 The balance Kshs. 2,168,296@ 30% 650,488 Total tax Payable

731,632 Less: Personal relief

13,944 Net tax payable

717,688 During the amnesty period, if he had not paid any instalments in advance, then the total principle tax to pay will be Kshs. 717,688 in 2014 return.

The amount should be paid upon filing of the amnesty return.

This computation will apply to year 2015 as well.

Note: Once you file your Amnesty return online in iTax, the system will automatically compute tax due.

The tax payable will be duly reflected in the E- slip generated.

10. Tax Payment Process Through iTax system, taxpayers shall generate Payment Registration Number – PRN (E-Slip) to use in paying taxes due to Commissioner, Domestic Taxes at any appointed bank or via Mpesa or Airtel Money.

To generate the E-slip, click on ‘Payment’ option immediately after uploading and submitting your tax return and fill details.

Select ‘Payment Registration’, choose the ‘Tax Head’ (Income Tax) and ‘Tax Sub Head’ (Income Tax - Amnesty).Using the PRN No, Pay in full the declared principal tax at your bank; or via Mpesa or Airtel Money.

To pay via Mpesa, taxpayers shall use the KRA Pay Bill Number 572572 and the Account Number is the Payment Registration Number quoted at the top right corner of the electronic Payment Slip generated via iTax system upon successful online filing of the return.

Pay via Airtel Money:-Dial KRA USSD code *572# to access the menu and select the E-slip generation selfservice menu. Proceed to make payment using the E-slip number.

Notes: • The interest and penalty shall be waived automatically upon full payment of the principal tax.

• A simplified step by step guide for Return filling, application and processing of tax amnesty on rental income is available at the KRA Website (web page named: 2015 Landlords Legislation) 11. Notice Please note that no other tax amnesty shall be granted to landlords. This is the only opportunity available to landlords who wish to break away from the past back taxes baggage and comply moving forward.

Once the amnesty period is over, KRA shall aggressively audit all non compliant landlords and enforce payment of full taxes including penalties and interest as per the current tax regime.

For more details on the Tax amnesty on rental income visit the KRA website; www.kra.go.ke (web page named: 2015 Landlords Legislation) Contacts for further clarification: • Mercy Mutisya on Tel. +254(020)2715540/2717611/2717642/2718513 Ext. 2085 Email; mercy. mutisya@kra.go.ke • Josephine Mugure Ext. 2025, Email; josephine.mugure@kra.go.ke Enquiries can also be directed to the KRA Call Centre; +254 (020)4999999/+254 (0711) 099 999 or email: callcentre@kra.go.ke or KRA Help Desk: +254(020)2816095/+254 (020) 2812010 or via email: rentalincome@kra.go.ke or visit KRA Help Desk at Times Tower Building, Ground Floor or the nearest KRA Station for assistance.

Note: The Income Tax Act Cap 470 Laws of Kenya is available at the KRA website.

Disclaimer: Taxpayers are notified that if there is any inconsistency between the provision of the Revenue Laws and the information contained herein, then the Revenue Laws shall prevail

INSIGHT CONSUMER | EDITION 03 | MAY - JULY, 2016

7

ENVIRONMENTAL TIPS

Keep Your Environment Clean A hygienic environment is essential to life. That is why it is important to keep it clean because a polluted environment affects our general well being.

Human beings have completely restructured their way of life and this variation has also affected the wildlife, which could cause a threat to the coexistence of both.

Water pollution and litter are among the main causes of the environment being dirty. This has been witnessed recently through the heavy rains which have caused havoc due to drainage blockages which have rendered some roads impassable and other living conditions unbearable. It is the moral responsibility of every individual to maintain a clean environment to alleviate sufferings of such kind by adhering to the following: 1. It starts with you: Be the change you would like to see in others as

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opposed to waiting for them to do it right.

2. Do not litter: Even without signposts and warnings, one should be compelled to dispose waste in an appropriate manner through the use of dustbins to avoid littering.

This makes the environment more appealing and habitable at the same time avoiding pollution.

3. Be eco friendly: This could be done by planting trees to provide fresh air and give good health, cutting back on the usage of contaminants and toxic materials as well as conserving nature to safeguard the future of wildlife animals.

4. Engage in an activity to keep your neighborhood clean: For example, to clean nearby streams, roads, unblock drainages and much more Participating in such initiatives could prove to be self gratifying.

INSIGHT CONSUMER | EDITION 03 | MAY - JULY, 2016

5. Always recycle things. The rubbish we create constantly increases because of the increase in population and other lifestyle changes and that is why there is limited land for dumpsites. Recycling not only helps to reduce pollution but also provides raw materials of readily available natural resources.

There are various reasons why we should safeguard our environment but most come down to our livelihood and that of our future generation.

We have limited amount of resources as more people use them up and the amount of solid wastes and mass pollution of the atmosphere could end up causing more harm than good.

We should learn to live and follow the words of mother Teresa, “There must be a reason why some people can afford to live well. They must have worked for it.�

INSURANCE INSIGHT

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Enlightening You

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INSIGHT RETAIL | ISSUE 08 | OCTOBER - DECEMBER 2014

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RETAIL BUSINESS INTELLIGENCE

RETAIL BUSINESS INTELLIGENCE

>> Shopping Etiquette

CRACKING CUSTOMER LOYALTY

ISSUE 06 / APRIL - JUNE 2014

JANUARY/MARCH 2013 Q1

1

>> Who Shops Where

GLOBAL LOYALTY TRENDS LOYALTY TIPS RETAIL HEALTH & SAFETY LOYALTY MARKETING RETAILER ASSOCIATION

CRACKING CUSTOMER LOYALTY

>> Home Furniture SHRINKAGE IN RETAIL RETAIL INTELLIGENCE >> Health Insight EAS TECHNOLOGY

GLOBAL LOYALTY TRENDS LOYALTY TIPS RETAIL HEALTH & SAFETY LOYALTY MARKETING RETAILER ASSOCIATION

RISK MANAGEMENT MOVING ON: FRANCIS MASWILI

SHRINKAGE IN RETAIL

Shoppers’ Insight

RETAIL INTELLIGENCE EAS TECHNOLOGY RISK MANAGEMENT MOVING ON: FRANCIS MASWILI

Making smart choices + Cashless shopping BIDCO - Consumer brands

Digital migration

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Cost of living

Rent, Food, Electricity, Phone...

Renovation

Painting and Lighting

Tax Amnesty Shopping Insights

Promotions and Credit

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The higher your deductible, the more out-of-pocket expenses profit margins that one can make. It is beyond that. It is you will experience and less will typically the insurance This has been athe lifelong that hascost come true and about focusing on aitdream business model that has the ability look forward sharing journey withon you as we company. IFor this reasontothe lowermy thelives deductible policy, to positively influence the of millions ofyour people who everyday shop the retail outlets, the thousands of grow.

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AFFORDABLY AFFORDABLY 01

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hese days, good health insurance coverage is practically a necessity of life. It can also be very expensive. The first step toward offsetting this expense is to understand what factors influence health insurance cost. Once these factors are reviewed you can then focus on changing the ones that you can change and accepting and understanding the ones that you cannot. The following is a list of several factors that are major determinants of health insurance cost.

REACH REACH YOUR YOUR TARGET TARGET AUDIENCE AUDIENCE 6

Factors That Influence Your Health Insurance Cost

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1

ECONOMIC INSIGHT

Dealing with the rising cost of living

By Ronald Rotich enya’s economy today has more people struggling to make ends meet with the ever-rising prices of products leading to reduced or slowly-changing standards of living.

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The situation could worsen with a recent World Bank report indicating that one in every four Kenyans lives in a town. This figure is expected to rise to 37 per cent by 2030 and half the number of Kenyans expected to live in urban centers by the end of 2050.

With this fraction of the population in growing towns, urbanization and the rising cost of living becomes a weighty concern for all.

Whether it’s the rising food and fuel prices, higher electricity bills, rising rent, surging transport costs, higher taxes and textbook prices or all of the above, every consumer is feeling the pinch of the rising cost.

Therefore, consumers are expected to adopt various practices and behaviors that will ensure that their standards of living are either maintained or improved. Sticking to a solid budget is an important practice that consumers should adopt. Without the careful planning of expenses, one can only be faced with bills that are not provisioned for.

A consumer new to budgeting should take time to review his or her bills, budget for them according to their importance with the most basic expenses on top of the list.

Emergencies and unexpected bills should also have room in your budget with fun being among the last items. With these bills listed according to importance, it will be easy to cut on the unnecessary ones in order to maintain a convenient standard of living.

It is important to review and update your budget whenever there is a change in one’s

bills or income. You can’t keep on operating under the same budget when prices of products rise or market circumstances change.

Using the same budget for a long time can mean frustration when the budget is too little or less savings if you budget too much without paying attention to changing prices.

Conserving is a big part of dealing with the rising cost of living. Kenya National Bureau of Statistics (KNBS) data (2013-2014) show that rent and utilities take up approximately 20 per cent of consumers’ monthly income, both in rich and poor homes.

Fortunately, there are adjustments that one can make to save on these bills. For instance, turn your lights off when you’re not at home or in a particular room in the house and only use electricity when necessary. Electronics like radio and TV should be switched off when nobody is paying attention to them.

Conserving water every day goes a long way in cutting short water bills at the end of the month.

For individuals with private vehicles, conserving fuel through use of alternative modes of transport is recommended. This can be through walking, use of public transport during off-peak hours and even riding a bicycle to and from work.

Another tip on dealing with the rising cost of living focuses on household shopping trips. Manufacturers and retailers are always looking to boost their products through reward programs, promotions, coupons and even free home-deliveries. Consumers need to have these in mind when planning their shopping trips.

Shopping in bulk goes a long way to increasing savings and coping with the rising cost of living. However, consumers need to understand that this only works best for products that have long shelf lives.

For grocery shopping, buying farm products like vegetables, fruits and meat pieces in bulk is only advisable if one has a freezer at home.

Finally, to reinforce the culture of compulsory saving and eventually management of one’s living standards, consumers are encouraged to adopt basic skills in vegetable gardening, tailoring, carpentry, plumbing, baking and cooking. With such skills at hand, one’s bills around the house are greatly reduced as his or her savings rise.

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INSIGHT CONSUMER | EDITION 03 | MAY - JULY, 2016

“Sticking to a solid bu practice that should

udget is an important d be adopted but...”

CAREER INSIGHT

Why You Didn’t Get Hired

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e all deal with rejection at some point especially in the hustle for a job. Sometimes it comes in the form of an email, a phone call or text but more often than not, it is a seemingly interminable period of absolute silence.

The process of job hunting is tough, worse is when your CV manages to land you several interviews but still you do not make the cut.

At this point, your self esteem is crushed as discouragement sinks in and you may start to rationalize the setback. The main question remains to be, what happened?

First and foremost, it is important to know that at times external factors; which are out of your control can get in the way of the job offering, however, in most times it is your persona that could be wanting, something you can be able to amend.

1. A common deadly mistake when attending an interview is walking in unprepared. This causes you to present yourself disappointingly as you tackle questions nervously because maybe you have no clue of what the company entails. It is obvious to the interviewer that when a candidate hesitates to answer a question he or she is not prepared.

2.

Never step in late for a job interview.

This is a tough mistake to overcome and even if you have a good reason, the manager will assume you are not serious about the opportunity and also not reliable. It is worse if you come up with a lame excuse, a wise redemption would be to own it and apologize.

3. Poor personal appearance. This can cause you to be eliminated even before you utter a word. Industry and company culture should influence what you choose to wear. Small details can make a big difference when you only have a few minutes to make an impression.

Untidiness on the other hand, is an indicator that you are disorganized and lack managerial skills.

4. Lack of enthusiasm and passion.

These qualities excite hiring managers and you will always engross them in what you are saying. It gives them something to remember you about and probably set you higher above the rest. It is however important to be careful so as not to seem too eager or over the top. You can be exceptionally well versed about the company and the position.

5. Think before you speak. The way you speak can be a huge determinant on whether you are the right fit for the position. Sometimes it could be necessary to throw in a casual talk but only when you are sure the timing is right. Confidence in this case is key but do not overdo it to convey arrogance.

This could rub people the wrong way and make you seem hard to manage.

Back up your skills with concrete knowledge and show openness to learn by asking thoughtful questions.

6. “It is nice to be important, but it is more important to be nice” this adage should always be at the back of your mind to remind you that you are under the microscope with everybody watching your moves; from the security guard, the receptionist, and the interview panel. Some managers will purpose to ask the other staff for their impression about you. Being polite and cordial cannot be over emphasized.

7.

Sell yourself. An interview is the most appropriate avenue where you are allowed to blow your own horn but carefully of course. It is a great way to reinforce your interest about the job as opposed to revealing your weaknesses which will sell you short.

8.

Do not speak ill about your previous job or employer. However bad your past experience was, it is better to put a positive spin on your job search saying you are looking for better opportunities.

Personal vendetta should be sorted out elsewhere.

9.

Have clear job goals. Know specifically what the job entails and how you can be able to meet the target. Have a planned vision or focus because nobody wants to employ somebody who does not know what she or he wants.

10. Ask questions. Most job interviews conclude with the interviewer asking the job seeker if they have a question.

Failure to ask may signal a level of disinterest, on the other hand, do not ask questions that are obvious or readily available. Also never ask about salary and benefits. The best questions to ask should be from your knowledge of the company from your research.

INSIGHT CONSUMER | EDITION 03 | MAY - JULY, 2016

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HEALTH INSIGHT

T

he health benefits and overall wellness of exercise and physical activity are hard to ignore.

Research shows that regular physical workouts can help reduce the risks of suffering several diseases and health conditions. For instance: Heart diseases, stroke: Daily physical exercises strengthen the heart muscle, lowering your blood pressure and lipoprotein level which is bad cholesterol as well as increase the good cholesterol level (high density lipoprotein).

This improves your blood flow and increases the heart’s working capacity which is also beneficial in reducing the risk of peripheral artery diseases, a condition that develops when the arteries that supply blood to internal organs become blocked.

High blood pressure: Also referred to as hypertension, this is a common condition especially to the elderly.

It is caused when there is tension in the arteries which carry blood from the heart to the rest of the body. This could lead to further complications like heart diseases, kidney failure among others.

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Obesity: According to the World Health Organization, cases of obesity have doubled since 1980 to 2014. This is mainly because of prevalent lifestyle changes and trend that hinder many from eating healthy.

Having excessive weight is a known risk factor for many chronic diseases including cancer. Although treatment is difficult due to high chances of relapse,

INSIGHT CONSUMER | EDITION 03 | MAY - JULY, 2016

it can be preventable by: • Selecting a healthier choice of food that limit the energy intake especially from fats and sugars.

• Partaking in regular physical fitness exercise to balance the energy between calories consumed and calories expended. For adults, 150 >> NEXT PAGE

minutes of exercise is recommended per week while 60 minutes would be fine for children.

The goal of treatment for obesity should be to achieve and maintain a healthier weight and not necessarily attain an ideal weight. Even a modest weight loss of 5-10% of initial weight and the long-term maintenance of that loss could bring significant health benefits.

Stress relief and self-esteem: Stress is an inevitable part of life; seven out of ten people experience stress and anxiety on a daily basis as a response to being subjected to physical, mental or emotional strain.

To manage stress, one must be able to identify the experience that is causing harm and how to respond correctly to it.

While there are various coping techniques, doing exercise is the most recommended by healthcare professionals because it decreases overall levels of tension, elevates and stabilizes a good mood as well as improve self-esteem.

Exercising and other physical activities produce endorphins which are chemicals in the brain that act as natural painkillers.

hospitality Conferences & Expo

Hoteliers Conference 2016 DATE : JULY 27TH - 28TH, 2016 VENUE : NAIROBI TIME

: 0900hrs – 1600hrs (For the 2days)

Insight Hospitality East Africa have started a reach out through events to the hospitality Industry as part of enhancing our reach out programme to the industry apart from the publication – Hotelier magazine which is a quarterly B2B magazine for the hospitality industry and beyond.

Our main objective is to creating a platform of sharing with hoteliers the new trends, technological changes, training solutions as the supplier get to network and offer solutions to the industry based on the new developments in the industry among others with the support of industry stakeholder.

When your body is active, endorphins are released.

These are the hormones that give us a feeling of happiness and fulfillment and have been shown to improve the way we feel about ourselves. Doing exercises not only helps you become healthier but also helps your mind. Here are a few tips on how you can exercise at home.

Who should attend:

Hotel owners, Managers, Head of Departments / supervisors from hospitality sector covering all classes of Hotels, Camps, Lodges, and Resorts within the cluster regions as below.

1. Walking – this could be an easy warm up exercise to tone your legs. You could either get outside or enjoy the scenery around while you walk or go up and down a few times on the staircase at your house.

All our 2016 events will be a 2 day event per region which will include short seminars cum conference sessions, Exhibitions by solution providers and exceptional cases studies by solution providers.

2. Jump a rope – this is fun to do and also a great cardio exercise.

3. Aerobics – this can boost your fitness level and help burn more calories. The basic idea should be to maintain a certain interval then change when you are ready. It is a great workout especially for the heart.

4. Do squats – this is a winner because you work out several muscles as you bend your knees and lower your rear as if you are sitting down on a chair.

Duration of the event:

REGISTRATION ON-GOING

BOOK TODAY...!

Fees Payable: Kshs. 3,000/= For Hotelier Kshs. 10,000/= For Suppliers/Solution providers Payable in Advance by MPESA Only Till No. 248816

For more information call Ronald/Maureen +254 725 350 690 +254 780 350 690 Email: events@insighthospitality.org

www. insighthospitality.org

BROUGHT TO YOU BY:-

hospitality EAST AFRICA

5. Push- ups and sit–ups – they strengthen your chest, shoulder, triceps, core muscles as well as your abs.

INSIGHT CONSUMER | EDITION 03 | MAY - JULY, 2016

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TECHNOLOGICAL TRENDS

Kenya Bankers Association sets up Payment Digital Solutions firm to enhance industry’s interoperability complement of more than 20 member banks participating in the User Acceptance Testing (UAT) trials.

Commenting on the Technological platform adopted by the firm, IPSL, Chief Information Officer, Mr. Michael Mbuthia, said that the technology stack will run a new generation interoperable payment transactions switching platform.

T

he umbrella commercial banks’ industry body, Kenya Bankers Association (KBA) has established a fully-fledged payments technology delivery service firm as part of a strategic effort to boost the banking sector’s interoperability and efficiency through affordable technology-based solutions.

The establishment of the new firm will provide a go-to-market platform via the Kenya Interbank Transaction Switch (KITS), geared at harnessing digital payment solutions for the local market.

Integrated Payments Service Limited (IPSL), a fully owned KBA subsidiary will provide technology-based payment solutions to the association’s member banks, at subsidized rates.

Speaking when he confirmed the setting up of IPSL, KBA Chief Executive Officer, Mr. Habil Olaka, said the launch of IPSL is part of the Association’s mandate to continue reinforcing a technology-driven and vibrant banking sector, responsive to the dynamic consumer needs.

Founded under the Central Bank of Kenya, National Payment System (NPS) guidelines, Olaka explained that IPSL would interconnect all banks in Kenya.

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The development of the platform, which will complement KBA’s existing, clearing house and follows the recent signing of a financing agreement between KBA and Bank of Baroda, as the project financers.

The firm, he said, will also inform policy direction and manage the risks associated with payment systems in the market, while providing technical and related guidance to KBA member banks.

The setting up of IPSL, Olaka added, is also part of a strategic effort by KBA to enhance ongoing financial inclusion efforts through diversified commercial banking delivery channels, including mobile and internet-based platforms as the country gears to become a cashlite economy in line with the global digitization trends.

“At KBA, we have set our sights on facilitating cost effective, secure commercial banking solutions as part of our goals to more than double formal banking penetration rates in Kenya,” Olaka said, adding that, “IPSL, is therefore coming on stream to address the inefficiencies within the banking payments system in Kenya, with the value proposition for innovation, enhanced efficiency and risk management.”

As part of its operational strategy, IPSL will soon be unveiling an interoperable, advanced person-to-person (P2P) payment solution. The solution is currently on its testing phase with a

INSIGHT CONSUMER | EDITION 03 | MAY - JULY, 2016

Once complete, the IPSL system will provide a safe, secure and cost efficient platform for person-to-person (P2P) money transfer. These transfers will be initiated from the five main bank channels: Mobile banking (USSD & Application), Internet banking, ATM, Branch front office, Agency Banking and POS.

Connecting Businesses

JOB VACANCY Brand Executives Required...

Are you a marketer looking for a job?

We have an opening for you if you have a Diploma or a Degree in marketing.

Email us your CV and application to info@insightpublication.org Applications to be received by 30th July 2016. www.insightpublication.org

ENERGY SAVING TIPS

Managing your energy consumption

T

here is increased demand for energy that is clean, reliable, and sustainable especially with increased consumer awareness and keenness on products that are unique and innovative.

3. Enhances the quality of life. Makes you more comfortable because your environment is more enjoyable which can increase your productivity in growing the economy of your country.

This has led to rapid development of new technology, and the emergence of new business models that are availing a wider range of modern energy services.

4. Saving electricity equals saving money.

The personal benefit when you buy energy efficient appliances and make improvements is that you keep your electricity bill down and save money.

As we approach the future of dwindling energy resources and effects of climate change, it is becoming more evident that we need to use less energy and conserve it as a way of protecting the planet. This could be done if we save electricity in our homes that could help in:1.

Conserving natural resources like coal, oil and gas. Electricity prices are constantly increasing and the reason of these hikes is mostly compelled by the unavailability of these resources which are hard to uncover.

2. Reducing carbon footprint. By opting to limit the use of fossil products and utilizing solar, geothermal or hydropower, you are not only saving electricity but also reducing greenhouse emissions in the environment, therefore, causing less pollution.

Other tips to conserve electricity include: • Use solar power which is a clean and renewable energy source.

• Plug home electronics, such as TVs and DVD players, into power strips; turn the power strips off when the equipment is not in use. TVs and DVDs in standby mode still use several watts of power.

• Take short showers instead of baths and use low-flow showerheads for additional energy savings.

• Turn things off when you are not in the room such as lights, TVs. • Replace the incandescent light bulbs with high efficiency compact fluorescent lamps

CFLs. • Clean or change filters regularly. A dirty furnace or A/C filter will slow down air flow and make the system work extra hard to either keep you warm or cool.

• Use motion detector lights for security as opposed to living the lights on for the whole night.

High energy needs keep a country dependent on foreign governments to supply oil because they do not produce enough oil for themselves; this increases their revenue expenditure which in turn raises the cost of electricity.

It is important not only to conserve but also find better alternatives for generating energy such as wind and solar because dependence on fossil fuels is generating a crisis that may affect generations to come.

While research may produce viable alternatives to our energy problems, there is nothing cheap and effective as saving energy.

By Joseph Munyua, Head of Corporate Sales- Power Point Systems E.A. Ltd

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INSIGHT HOTELIER | APRIL - JUNE, 2015

info@colourprint.co.ke, colourprint.nairobi@gmail.com “Producing New Impressions of Excellence”

Year after Year

INSIGHT CONSUMER | EDITION 03 | MAY - JULY, 2016

15

HOME COLOURS

Use of Colour psychology by home owners

W

hen you approach home design, you likely do so in a couple of different ways – choosing objects and colours that simply look attractive or using an existing pattern or decor theme to govern your decisions.

sell, one of the best courses of action you can take is to apply a fresh coat of paint -and do it before the house hits the market.

This highly recommended step, however, comes with some important caveats, which we’ll discuss below.

However, color is a powerful tool that can be used to inspire emotions, create space illusions or simply set the mood and atmosphere for any particular room.

Especially when used with interior and exterior painting, color psychology is a great way to create a healthy and beautiful home.

Exterior of the house: It doesn’t matter how much you love orange or purple; don’t paint your house those colours. When you’re trying to sell a house, the most vital aspect to consider is what a buyer will be looking for hence appealing to the widest pool of potential buyers should be your goal.

Colour psychology can definitely be a factor in home sales, both inside and outside the home. If you have a house to

Neighborhood color scheme: It’s a good idea to choose colours that will blend well with the general colour scheme of your

neighbors’ houses. One poorly painted house can ruin the value of homes up and down the street. Here’s a rundown of popular potential colours for your house’s new look: • White • Grey • Blue • Tan/Brown • Cream • Beige • Green • Yellow • Red While some organic colours do creep into the bottom of the list, the muted neutral hues at the top are the most strongly recommended. This is for a couple of reasons. They can convey the message that your house is bright, clean and spacious.

Light, neutral shades also help the house appear new and fresh. Finally, light colours are less likely to fade over time.

When it comes to the trim, shutters and doors, it’s another story. Sticking with the colours listed above is still a safe bet but you have more freedom to decide. Also, if you can’t paint the entire exterior of your house, this is where you should concentrate your efforts. The front door in particular is key - a warm, welcoming colour can make a very favorable impression on possible buyers.

Bright blues and reds work well.

When choosing secondary colours, keep a close watch on the way the colours interact: it can make or break a house-painting scheme. If you don’t have much of an eye for this sort of thing, consider hiring a colour consultant to help you make some good matches.

Interior of your home: The same elements are important here - light, neutral colours make rooms look bright and spacious, and off-white is the top choice. With a primer, it can cover any dirt, stains and out of style colour schemes you might be looking to conceal.

If you can’t paint all the interior areas of your home, focus on the first room buyers will enter, any problem areas and smaller rooms which could benefit from a sizeenhancing coat of paint.

Last but not least, if you’ve put in the time and money to have your house painted, let people know about it. Any ads, flyers or listings should mention when the new paint job took place, as well as the quality of paint used.

Painting the Bedroom

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’ CONVENTION

2ND EDITION

2016

DATE: 23rd - 24th June, 2016 VENUE: Nairobi TIME:

For most people, the bedroom is a sanctuary away from the bustle and noise of the rest of the world. Some colours that can help to reflect feelings of peace, quiet and tranquility are tones of soft blues, lavender or complementary hues of green and brown. Red is a popular choice for couples who want to add a feel of romance and desire. However, since it is a very loud and energizing color, it could instead be used as an accent shade rather than painting all the walls red. Deeper hues such as burgundy can also help to bring it down a notch. Avoid bright shades like yellows and oranges. Since they are bright, energetic colours can make it difficult to relax.

Bathroom Hues Bathrooms are a place in the house where we want to feel clean and relaxed. Colours that encourage this are white, blue and neutral shades. Pale colours are typically best for reflecting more light within a space and making it seem fresh and airy. Add some points of interest with complementary accent tones in a deeper shade. A more practical advantage is that light colours in a bathroom make it easier to spot and clean away dirt. On the other hand, dark colours tend to hide dirt. Avoid colours such as black, brown, and red.

Colours for the Living Room Living room paint colours can vary based on its location in the house and how it is used. For example, a very formal living room would do well with regal shades of steel grey, purples or rich browns. They add a sense of decadence and indulgence.

On the other hand, a sunny living room that is used as a family den would benefit from shades of cream, yellow, orange or green. These colours help people to feel happy and cheerful. Although many people choose neutral shades of white for their living room, it often has the effect of stripping away personality and making the space seem boring.

Colored Kitchens Kitchens are usually the center of a home. They see plenty noise, action and daily traffic coming through. It is easiest to pick white or light shades for a kitchen and add a boost of energizing color in shades of yellow, orange, pink, or red. The lighter colours add a sense of cleanliness, while the accent tones add vibrancy. Alternately, accent tones of blue, grey, brown or green work well for people who prefer a kitchen that exudes calm and laid-back feelings.

0900hrs to 1700hrs

EVENT THEME: CURBING RETAIL LOSS & EMERGING RETAIL TRENDS SPEAKERS: It composes the Top CEOs from the industry who have run their institutions successfully for the past decade.

WHO SHOULD ATTEND / DELEGATES Any senior retail professionals - Directors / Owners, Managers or Supervisors of any kind of retail outlet.

WHY ATTEND: The Retail Convention gives the opportunity to: Ÿ The Global benchmark of retail trends overview. Ÿ Meet potential new product & service providers. Ÿ Listen as well as directly contributing to industry trends by participating in the Convention Ÿ Develop your personal network amongst industry peers.

Our unique annual event will ensure that the service provider meets the delegates/retailer in one-to-one forum where they can share industry best practice cum networking.

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INSIGHT CONSUMER | EDITION 03 | MAY - JULY, 2016

17

TRANSFORMING SOCIAL HEALTH INSURANCE Breakdown of Services Included in the NHIF Supacover

Supacover

a.

NHIF Supacover is Kenya’s largest, affordable, accessiable and reliable medical social insurance cover that enables you and your family to enjoy unparalled benefits package. It gives you and your family the assurance that your health requirements are well taken care of in the event of illiness or an accident.

b.

What the BENEFITS package entails

c.

Medical Consultation - General outpatient and inpatient consultation by the facility’s assigned officer as per the needed care.

Laboratory Tests and investigations - for all basic routine tests including ante natal profiling, screening for cervical and prostate cancers among others.

Drugs Administration and Dispensing - as per the need of care during your outpatient visit or hospitalization period Referral Services - for illness at that cannot be managed by your outpatient provider based on the national referral guidelines and protocols.

Dental Services - for tooth extraction and cavity fillings Radiology Services - Basic X-Rays are covered under the general outpatient and inpatient care while MRI and CT scans are available in select facilities under a referral system with a pre-authorisation from NHIF Inpatient Services - including accomodation/bed charges, nursing care, consultation, Prescribed drugs/medication, laboratory services, surgery, physiotherapy, specialist consultation and treatment Maternity Services - including prenatal care, child delivery - normal and caesarean section, postnatal care, Manual Vacuum Aspiration (MVA) and Family planning services Kidney Care package - including Renal Dialysis through inpatient or outpatient for a maximum of two sessions in a week. Kidney transplants at approved facilities Drug and Rehabilitation services at accredited rehabilitation centres at maximum of one treatment session in a year.

Chronic illness care package; Members who declare that they have illness such as hypertension, cancer and diabetes will be given care in approved facilities.

See www.nhif.or.ke for a list of hospitals contracted to offer outpatient services

As a NHIF Supacover member, you and your family will enjoy a wide range of exceptional services d. and benefits including; - A Comprehensive Medical Cover (In and Out Patient Services) - Maternity Cover e.

- Chronic Illness Cover f.

NHIF has accredited a pool of over 2,000 health care providers countrywide to provide healthcare services to its members.

The basket of services available to NHIF members range form Out Patient County Hospital Name Service Radiology topackage Inpatient Services.1 Nairobi The Mater Hospital CT Scan & MRI g.

Nyeri CT Scan UNIQUE features2 of NHIF Supacover Consolata Hospital Mathari,Nyeri 3 Mombasa Jocham Hospital CT Scan & MRI 4 Nairobi Thethat Nairobi Hospital In addition to a comprehensive benefits package is second to none, NHIF Supacover opensCT a Scan & MRI h. basket of other features members.

5 to its Uasin Gishu They include; Mediheal Hospital & Fertility Centre CT Scan & MRI - No age limit6 - TrulyNakuru a national health insurance cover for all Kenyans Mediheal Hospital Nakuru CT Scan & MRI - No exclusion for pre-existing illnesses - All diseases are covered* i.

7 coverNairobi Thefamily’s Karen health Hospital CT Scan & MRI - Family based that cater for entire needs 8 Nairobi Medanta Africare CT Scan & MRI - Access to quality care in over 2,000 accredited health care providers countrywide j.

- Widespread9 NHIFNairobi branch network countywide for convenience German Medical CT Scan & MRI - No deposits10required on admission Meru Meru Teaching & Referral Hospital CT Scan & MRI k.

- No co-payments services in Category 11 required Nairobi for access to Nairobi West Hospital A health care providers CT Scan & MRI 12 Nakuru Rift Valley Provincial General Hospital Nakuru CT Scan & MRI Who is eligible for NHIF Supacover?

13 Nairobi The Nairobi South Hospital CT Scan & MRI All Kenyans above 1814years Uasin of ageGishu are eligible to register for NHIF membership. One can apply forCT a Scan & MRI Reale Hospital single membership or15familyUasin membership allows them to include their declared spouse Gishu whichElgon View Hospital CT ScanTypes & MRI of In-patient Contracted Healthcare Providers (only 1) and all children below 18 years.

16 Kerugoya Our Lady Of Lourdes Mwea Hospital CT Scan 17 Kericho Kapatet District Hospital CT ScanNHIF & MRIcontracts are categorised into A, B or C as shown below:

Other Specialized Services

Oncology package

Radiology package

Oncology package

18

Facility Name The Nairobi Hospital Medanta Africare The Karen Hospital Nakuru Maternity & Nursing Home Texas Cancer Centre Meru Teaching And Referral Hospital Jocham Hospital The Mater Hospital Nairobi West Hospital Thika Level V Hospital Rift Valley Provincial General Hospital Nakuru Reale Hospital The Nairobi South Hospital Moi Teaching And Refferal Hospital Elgon View Hospital Hospital Name The Mater Hospital Consolata Hospital Mathari,Nyeri Jocham Hospital The Nairobi Hospital Mediheal Hospital & Fertility Centre Mediheal Hospital Nakuru The Karen Hospital Medanta Africare German Medical Meru Teaching & Referral Hospital Nairobi West Hospital Rift Valley Provincial General Hospital Nakuru The Nairobi South Hospital Reale Hospital Elgon View Hospital Our Lady Of Lourdes Mwea Hospital Kapatet District Hospital

CONTRACT TYPE

SERVICES COVERED

FACILITIES OFFERING THE SERVICES

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17

County Nairobi Nairobi Nairobi Nakuru Nairobi Meru Mombasa Nairobi Nairobi Kiambu Nakuru Uasin Gishu Nairobi Uasin Gishu Uasin Gishu County Nairobi Nyeri Mombasa Nairobi Uasin Gishu Nakuru Nairobi Nairobi Nairobi Meru Nairobi Nakuru Nairobi Uasin Gishu Uasin Gishu Kerugoya Kericho

1 2 3 4 5

County Facility Name Nairobi The Nairobi Hospital Nairobi SMS Number Medanta 21101 Africareinfo@nhif.or.ke/customercare@nhif.or.ke National Hospital Insurance Fund - Official Nairobi The Karen Hospital Toll Free: Maternity 0800 720&601 (020) - 2723255/6, 2723246, 2714793/94 2714806 www.nhif.or.ke Nakuru Nakuru Nursing Home Nairobi Texas Cancer Centre

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15

INSIGHT CONSUMER | EDITION 03 | MAY - JULY, 2016

A

B

C

Service CT Scan & MRI CT Scan CT Scan & MRI CT Scan & MRI CT Scan & MRI CT Scan & MRI CT Scan & MRI CT Scan & MRI CT Scan & MRI CT Scan & MRI CT Scan & MRI CT Scan & MRI CT Scan & MRI CT Scan & MRI CT Scan & MRI CT Scan CT Scan & MRI

They offer comprehensive medical cover including in and out patient, maternity services and surgical services. Members accessing benefits from such facilities are not expected to make any form of payment. They can walk in walk out without any copayment.

All NHIF contracted government hospitals. (see full list in www.nhif.or.ke)

Offer inpatient & outpatient services and maternity services including caesarean. Members may be required to make a copayment for major surgical cases. All other services are however fully covered at no extra cost

Mostly faith-based or mission hospitals and some private hospitals. (see full list in www.nhif.or.ke)

A member’s bill is offset daily by a fixed pre-determined rate called a rebate as per NHIF’s contract with the particular hospital. The member will be required to pay for the difference either by self or any other form of medical insurance.

High cost private hospitals. (see full list in www.nhif.or.ke)

Maternity cover

Rehabilitation for substance abuse

This covers child delivery through natural birth method and Caesarean Section. The package caters for focused ante natal care, post natal and Family planning services at participating facilities. The services is offered under Contract A & B The Raphaelites Red Hill Place, Limuru The Retreat (Rehabilitation Centre), Limuru

... be a health hero for you and your family

@nhifkenya

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