You are going too far! There are wazuans who are permanently employed in various companies and they are not insured. I don't think it is a legal requirement to insure you employees if they are not exposed to extreme risk because of the nature of their work.

now i tire

You may want to consider Domestic Package cover which covers buglary, fire, theft by demestic servant (your mboch disapearing with everything in the house), owner liability e.g your Dog bitting your neighbour, your domestic worker's accidental injuries in your premises etc.

This plus NHIF should address your concern

Talk to your insurance broker

surely documentary proof is not required to prove that she is an employee

infact the employer would be in more trouble for employing someone for more than 3 months without a contract

@MaichBlack, you are assuming these house helps are all stupid. Or not learned.

Not any more, a number finished Form Four and have big plans. Others went through to secondary school and fees were an issue but are sharp. They read yesterday's newspaper daily. They are informed.
Proving she is your employee is so easy. The neighbors, friends, her family, can be her witnesses.

@Heri, I usually get NHIF for mine, and i include her in the domestic package insurance. I am considering getting her a decent medical cover when funds allow, given the way NHIF is behaving.

Also, treat them well. Not out of obligation but as one who does a lot for you. Yes for pay, but we all know how we suffer when they go for a few days.......