NHIF is an abbreviation for National Hospital Insurance Fund. In this article we are going to give you steps on how you can register, the documents you will require to register and the benefits of you registering for NHIF in kenya from both the formal and informal sector of employement.

You should get to understand that for those people in the formal sector, it is  compulsory to be a member while those in the informal sector and retirees, membership is open and voluntary.

It is very easy for one to register and become a member. For one to register as a member, he/she  needs to fill in the “member’s form” while employers  and organization groups fills in the  “Employers Form.”

Who are eligible to register?

  1. All those who have a monthly salary of Kshs 1,000 and above  or Kshs. 12,000  per year are eligible or can afford to pay NHIF fees.
  2. NHIF services can  also be given to voluntary contributors who includes foreign visitors permitted to work or study in Kenya.
  3. Anybody who is above 18year is also eligible to register be it a civil servant, private employee, or self employed. The charges are the same and cuts across all sectors.

Requirements for you to register

For you to register and become  a member, you will need to have the following documents.

For Kenyan Residents;

1. Copy of National I.D (including spouse if applicable)
2. Copy of employer appointment/introduction letter. Self employed and voluntary contributors are exempted from this requirement.
3. Coloured passport photo (including spouse & dependants if applicable)
4. Original & copies of birth certificate(s) for dependants

You  will again be  required to pay Kshs 1500 which will cater for medical fees for the next three months

Foreign workers are expected to provide; 

1. Copies of passport, alien certificate or work permit (including spouse if applicable)
2. Coloured passport photo (including spouse & dependants if applicable)

Foreign Students should provide;
1. Copy of passport
2. Coloured passport photo
3. Ksh. 1500 for registration and fee for the first three months

After having all these documents in place and you’ve filled in the form, you expected to drop the form at Huduma center near you or NHIF Branch countrywide.

N/B: To those applying via Huduma Center, it is advisable to use M-Pesa payment instead of cash.

Benefits of Registering for NHIF

We all know that hospital bills in Kenya are expensive more so when someone undergoes surgery. Therefore we encourage you to register for NHIF and you will enjoy the services offered. This is because NHIF usually  covers for most of the medical bills.

Once you admitted in an hospital, you will be accorded services and the hospital makes a claim to the NHIF for reimbursement. Below are some services catered by NHIF:

1. In-patient treatment
An in-patient cover for the contributor provides comprehensive medical cover. Medical services are offered in majority of over 400 accredited government facilities, mission health providers, and some private health providers across the country.

2. Maternity Services
The medical cover offers comprehensive maternity and CS (caesarian) package in government hospitals, majority of mission and some private hospitals

3. Dialysis
Dialysis, which costs about Ksh 2,500 per session, can be offered to the insured in the following medical facilities:

  • Kenyatta National Hospital, Nairobi
  • Moi Teaching & Referral Hospital, Eldoret
  • Provincial General Hospital Kisumu
  • Rift Valley Provincial General Hospital, Nakuru
  • Coast General Hospital, Mombasa
  • Siloam Hospital, Kericho
  • Mediheal Hospital & Fertility Centre
  • Muranga District Hospital, Muranga
  • Thika Level 5 Hospital, Thika
  • P.C.E.A Hospital, Kikuyu
  • Consolata Hospital, Nyeri
  • Tawfiq Hospital, Malindi
  • Africare Limited
  • Kakamega Country General Hospital

4. Out-patient
All NHIF members can be treated as out-patients in all public hospitals and seleted private hospitals.

5. Family planning Vasectomy and Tubal Ligation.
NHIF covers for all family planning procedures in public hospitals and selected private hospitals.

6. All Diseases.
NHIF does not exclude any disease. The cover caters medical bills for all illnesses; including cancer.

How to make contributions

  • All formal sector employees their contributions are deducted and remitted to the Fund by their employers according to their income. This is done by cheque or through e-banking.
  • For members under the voluntary and self-employed category, they pay Kshs.500 per month (Kshs.6000 per annum). Which they usually pay via Mpesa using NHIF PAYBILL NUMBER 200222 

N/B: NHIF has been of great importance to Kenyasns both in formal and informal sectors of employement. More so, it is easy to register for NHIF and their monthly fee is affordable.

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