Is it legal to let people suffer or even die at the ER on Kenya if they don’t happen to carry a few k$?

Fair point, just looked it up and it seems to be illegal to do that. But in my experience, many probably still do it, or people don't trust that hospitals will follow the law...it may be more of that latter part, not knowing whether they will or won't ask you for money, or whether they will or won't take your insurance. So I think that uncertainty can mean having to be prepared for it anyway.