Every few weeks the news says Universal Health Insurance has reached another governorate, and clinic owners ask the same thing: does this affect me? It depends on your governorate, whether you are contracted, and where the patient starts their journey.
This post sums up what has been announced officially and in the news about phase two, and turns it into practical steps for your clinic. We won't guess at contracting terms that haven't been published, and we'll point you to where to ask.
What was announced for phase two?
Phase one started in 6 governorates. Phase two covers five: Minya, Matrouh, Kafr El-Sheikh, North Sinai and Damietta. The Prime Minister said the cost is 115 billion EGP and that it starts in practice from Minya.
The target is around 12 million citizens, through 11 new medical complexes, development of more than 35 hospitals, and the operation of 669 family health centers and units and 63 hospitals. The 2026/2027 development plan also mentions starting the rollout in Alexandria.
Where does the patient start?
This is the most important point for a clinic. According to the Ministry of Health, service in the system starts with the family doctor or general practitioner at the primary care unit where the citizen is registered, and the patient is referred up when needed. So an insured patient doesn't go straight to a specialist the way they do in private practice.
Covered services, under the approved coverage rules, include consultations, labs, radiology, medicines, dental and oncology care, emergencies and surgery.
Who gets contracted?
The news talks about involving the private sector, but what we found has no detail on contracting terms for a small clinic. The rollout itself is tied to facilities being ready. So any claim that you will become part of the system should be confirmed with the Universal Health Insurance Authority. Its published hotline is 15344, and it has an official website.
What to do in your clinic now
- Check your governorate. If you are in one of these, ask the Authority when your area goes live before patients start asking you.
- Prepare a fixed answer. Patients will ask whether you accept Universal Health Insurance. Write the answer once, clearly, even if it is "not at the moment, this is a private consultation".
- Make cash prices visible. When people enter a new system they compare. A written, agreed price prevents arguments at the desk.
- Train reception. The most repeated question will be whether the patient needs a referral. Staff should say that it depends on the contracting body's rules, not guess.
How this is handled in Kashfy
In the insurance providers list you add any provider whose card you accept or have a contract with. For each one you set the co-pay against the cash price, and you can mark it as needing pre-approval. The WhatsApp assistant asks the patient which card they use and quotes the right price, or tells them if the card isn't accepted.
You can also switch a provider on or off in seconds when a contract changes, so reception isn't the one delivering bad news. Revenue reports filter by provider so you see what each contract brings in, and each branch has its own list. You enter the details and prices yourself, based on your own contract.
Limits to keep in mind
- Kashfy doesn't enroll you in Universal Health Insurance or contract on your behalf. It only organizes answers and pricing inside your clinic.
- The rollout depends on facility readiness, so timelines can move. Don't build your plan on a single date.
- Even in phase one, press reports describe implementation problems such as medicine shortages, so don't assume everything is settled.
Bottom line
Phase two is big news for the five governorates, but its effect on a private clinic depends on contracting and referrals. The easiest step today: call the Authority, write down your policy, and set up the list of providers you accept. To see how the assistant answers price and insurance questions, try it on the live demo page.
