What is National Health Insurance Fund (NHIF)? and how to apply for it


Name: National Health Insurance Fund

Acronym: NHIF

Founded: 1966

Position: State Parastatal


  • Provide medical insurance cover to all its members and their declared dependants (spouse and children).

Eligible persons include:

  • Kenyan resident (includes foreigners permitted to study or work in Kenya)
  • Attained the minimum age of 18 years
  • Earns an income from Kenya (employed/self employed)
  • Earns an income of more than kshs.1000 per month
  • Works under a contract or casual basis
  • Volunteer contributors

NOTE: NHIF is COMPULSORY to all those in the formal sector but VOLUNTARY to those in the informal sector or retired persons.

Benefits of NHIF cover

  • Upon admission in hospital an NHIF member is accorded services and the hospital makes a claim to the Fund for reimbursement
  • An in-patient cover for the contributor, declared spouse and children
  • Provides comprehensive medical cover in majority of over 400 accredited Government facilities, Mission health providers and some private health providers across the country
  • Provides in-patient services in private and high cost hospitals on a co-payment basis
  • Comprehensive maternity and CS (Caesarian) package in government hospitals, majority of mission and some private hospitals
  • Dialysis at Kenyatta National Hospital & Moi Teaching & Referral Hospital at a rebate
  • Family planning – Vasectomy and Tubal Ligation
  • NHIF does not exclude any disease.
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Proposed out-patient cover benefits

  • Prescribed laboratory tests/investigations
  • Drugs/medicines
  • Prescribed X-rays and ultra sound diagnosis
  • Treatment of Sexually Transmitted Infections
  • Treatment, dressing or diagnostic testing
  • Family planning
  • Ante-natal and post-natal care
  • Clinical counseling services
  • Health and wellness education
  • General consultation with general practitioners

Registration requirements & procedures

  • Kenyan resident requirements
    • Copy of National ID
    • Copy of employer letter
    • Colored passport photos
    • Original & Copies of dependant(s) birth certificate
  • Foreign resident requirements
    • Copies of passport, work permit or alien certificate
    • Copies of passport photos
  • Foreign students requirements
    • Copy of passport
    • Copy of passport photo



  • Certificate of registration
  • PIN certificate


Payment Options

  • Employed (casual/contract)
    • Amount is automatically deducted from the payslip in accordance to the amount category
  • Self employed
    • Amount is payable via Mpesa using:
      • Business number 200222
      • Account number – refers to the contributors National ID number

Updated contribution rates

Income (KSh) NHIF Rate
KSh 5,999 KSh 150
KSh 6,000 – 7,999 KSh 300
KSh 8,000 – 11,999 KSh 400
KSh 12,000 – 14,999 KSh 500
KSh 15,000 – 19,999 KSh 600
KSh 20,000 – 24,999 KSh 750
KSh 25,000 – 29,999 KSh 850
KSh 30,000 – 34,999 KSh 900
KSh 35,000 – 39,999 KSh 950
KSh 40,000 – 44,999 KSh 1,000
KSh 45,000 – 49,999 KSh 1,100
KSh 50,000 – 59,999 KSh 1,200
KSh 60,000 – 69,999 KSh 1,300
KSh 70,000 – 79,999 KSh 1,400
KSh 80,000 – 89,999 KSh 1,500
KSh 90,000 – 99,999 KSh 1,600
KSh 100,000 & Above KSh 1,700
Self-Employed (Special) KSh 500
See also  4 Updated Methods To Know If NHIF Is Active In 2023


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3 Responses

  1. John Njenga says:

    We appreciate the continued improvements so far… but a bit disappointed that at this era your contacts not working, why then are they in the web… Try NHIF in Rongai. Now one has to make his/her way there… Really???

  2. Gerald Wanjala says:

    I loved it.woow amazing

  3. Moses Gitonga says:

    i pay NHIF for my parents and the account is uptodate. My father is supposed to go for minor surgery and im told to pay 15000 kenya shillings, is this inorder?

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