A significant portion of Kenya's Small and Medium-sized Enterprises (SMEs) are at risk of collapse due to a lack of health protection, despite acknowledging its importance.

• 53 percent of SMEs have no form of insurance coverage, leaving them vulnerable to financial shocks from health issues.
• The oversight is driven by barriers of access, affordability (60 percent cite high premiums), and relevant solutions, as highlighted by Dr Musa Misiani, chief operations officer at Jubilee Health Insurance.
• Health protection is presented as a critical tool for business continuity, talent retention, and overall SME resilience in Kenya.