Private healthcare costs
What is Self-Pay?
Not everyone in Eldoret has SHA insurance, and sometimes patients simply prefer to pay directly for their care. At Grand RoyalCare, we make self-pay simple and transparent. You’ll receive clear pricing before treatment begins, with no hidden extras.
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Available for consultations, diagnostics, procedures, and inpatient stays.
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Quotation given in writing before admission or treatment.
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Deposit required at booking or admission.
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Balance payable at discharge or through agreed instalments.
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Payment accepted in KES, USD, M-Pesa, debit/credit card, or bank transfer.
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SHA Insurance (Social Health Authority)
SHA insurance is the main health cover in Kenya, and we are proud to accept it. For most of our patients, SHA provides peace of mind with affordable access to hospital care. At Grand RoyalCare, SHA patients are treated with the same fast access and quality care as self-pay patients.
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SHA accepted across all departments at GRCM.
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No hidden fees or “top-ups” for SHA patients.
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Patients must provide valid ID and thumbprint for claim processing.
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Covers consultant fees, hospital charges, and most surgeries.
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Transparent billing: patients know what is included before treatment.
How It Works
Self-Pay Patients
Choosing self-pay means you’re in control of your healthcare journey. Whether you need a consultation, diagnostic scan, or surgery, you can access care without waiting for insurer approval.
Key facts:
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Direct access - no GP referral required.
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Quotation provided upfront for every procedure.
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Same fast-track access as insured patients (most procedures within 5 days).
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Flexible payment options available (discuss with finance team).
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Transparent, itemised invoices on discharge.
HOW WE WORK WITH YOU
Simple Billing Process
We want payments to be the easiest part of your care. Our billing team ensures every step is clear and supported, so you can focus on recovery, not paperwork.
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Step 1: Quotation provided (consultation, tests, procedures, inpatient).
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Step 2: Deposit paid at booking/admission.
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Step 3: Balance settled at discharge (or by instalments if arranged).
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Full invoices available for personal or insurance records.
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Finance office available on-site 7 days a week to answer questions.
Why Choose GRCM for Payments?
Many hospitals in Kenya surprise patients with hidden fees or extra charges, especially under SHA. At Grand RoyalCare, we take pride in being different. Our process is open, transparent, and built around trust.
Key facts:
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SHA-approved care with no hidden fees.
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Transparent quotes provided in advance.
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24/7 access to finance support for patients and families.
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Self-pay and SHA patients receive the same fast access to treatment.
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Trusted by hundreds of patients each month in Eldoret.
Private healthcare
Some of our departments
Orthopaedics
Each of our consultants is a subspecialist in their field, having pioneered and perfected procedures: from routine surgeries, such as hip replacements, to complex spinal reconstructions.
General Surgery
Our theatres support a wide range of general surgical procedures, with experienced consultants handling everything from minor operations to complex abdominal and emergency surgeries.
ENT (Ear, Nose & Throat)
Our ENT specialists provide advanced care for ear, nose, and throat conditions - from common concerns like tonsillitis to intricate head and neck surgeries requiring precision expertise.
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Maternity
Our maternity team offers personalised care throughout pregnancy, labour, and delivery - combining modern facilities with compassionate support for mothers, newborns, and families.
Gynaecology
Our gynaecology specialists provide expert diagnosis and treatment for women’s health needs, from routine procedures to advanced surgical interventions in reproductive and pelvic health.
Digestive Health
Our gastroenterology specialists diagnose and treat a wide range of digestive conditions — from common concerns such as ulcers and reflux to more complex liver, pancreatic, and bowel disorders, using advanced diagnostic and surgical techniques.
“I was worried about hidden costs, but Grand RoyalCare were completely upfront from the beginning. They explained exactly what SHA covered and gave me a clear breakdown before my treatment. The process was smooth, the staff were professional, and I felt supported the whole way. I wouldn’t hesitate to recommend them.”
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