Hospital bills can exceed SHA cover, leaving families with unpaid balances. Phelp Health offers two complementary solutions: (1) Phelp Shield — a gap-funding product that covers urgent unpaid balances so the patient is not detained in hospital. Apply in-app; approval is fast for verified members. (2) Medical Crowdfunding — start a campaign on Phelp Health, share the link via WhatsApp and social media, and receive contributions from family, friends, and the community. Contributions are tracked transparently and disbursed to the hospital. Together, Phelp Shield and crowdfunding ensure no Kenyan is denied care because of an unpaid bill.