I think the new rates are fair. To pay sh24k per year for an in- and out-patient cover for a family of six (mum, dad, + 4 kids) is quite cheap. If you doubt it, check out what the private sector is charging.
The problem, I think, comes from two issues:
FIRST: NHIF has not been revising its premiums regularly. So, when they jumped from Sh320pm to Sh2,000, an outcry was only natural. If my memory serves me right, the old rates have been in operation since the day I started working in April 1991 - 19.5 years ago! The jump is only an average 10%pa since then.
SECOND: Since the premiums have been stagnant, the benefits have also not changed by much. But the costs of hospitalisation have moved up with inflation. Therefore; getting sh2,000 per night at Nairobi Hospital while the bill can be sh20k [sh5k for the bed + sh15k for medical and nursing services] seemed ridiculous.
This is the reason why the public doesn't trust NHIF with public money. However; in recent years, the cost of fraudulent bills at NHIF has been comparable to that in the private sector (AAR, Resolution etc)
Now that the courts have refused to stop the increment, we have to wait and see how NHIF manages the funds. Going on strike might not be the best way to solve it.
Nothing is real unless it can be named; nothing has value unless it can be sold; money is worthless unless you spend it.