Who is Eligible for NHIF

To qualify to register for NHIF you must be residing in Kenya. Secondly, you must have attained the age of 18 years. Thirdly, you must be earning at least Ksh. 1000 per month or Ksh. 12,000 per year.

Take note that we have stated that you must be residing in Kenya not necessarily a Kenyan citizen. What does this mean, foreigners residing in Kenya are also eligible for NHIF.

Requirements to Apply for NHIF

There are three categories of requirements; for Kenyan citizens, foreign residents and foreign students. Each of these categories has a different set of requirements to apply for NHIF as follows.

Kenya Citizen: If you are a Kenyan citizen you must have the following requirements to apply for NHIF:

  1. A photocopy of the Kenyan national identity card.
  2. An employer’s introduction letter if you are employed
  3. Original and photocopy of the dependents if you have any.
  4. Recent colored passport size photographs

Foreign Residents: Non-Kenyans residing in Kenya must bring the following:

  1. Photocopies of either work permit or alien certificate for the applicant as well as for the spouse and dependents if any.
  2. Recent colored passport size photos for the applicant and also for spouse and dependents if any.

Foreign Students: if you are a foreigner studying in Kenya must present the following:

  1. A photocopy of the passport
  2. Colored photograph size passport

How To Register for NHIF Online

There are three groups of people who can register for NHIF online. They include employers, employees, and self-employment.

Self Employed NHIF Online registration

  1. Click “Self Employed” in the NHIF homepage. The below page will open. Fill in the details.
  • Identification Type: select either “Kenyan Identity Card” or “Alien Identity Card.”
  •  Enter identification number either “Kenyan ID” or “Alien ID”
  •  Enter ID Serial Number
  •  Enter your first name and other names
  •  Fill in Date of Birth, Gender and Marital status.
  •  Filling your address that includes postal Address, postal code, and town.
  •  Next are the contact details. Fill in your email, and mobile number.
  •  Next, fill county of residence and Nearest NHIF office.
  •  Next is the “attach member identification document section”. Here you attach a copy of the national ID or Alien ID.
  •  Finally, it is the “Attach Member Passport Photo” section. Remember to upload recent passport size photos here.
  •  Then “click to confirm” to submit.

That is all that you need if you are single. If you had selected Married in marital status, you need to fill additional spouse details.

Don’t worry. When you select married in the marital status section, a section with spouse details will emerge at the bottom. Fill in the details and click to confirm.

Self Employed NHIF Membership

The self-employed plan is for those registered members who are not in formal employment on a contract or permanent basis.

The majority of people who fall into this category are people in the Juakali sector, business people, and the unemployed. Let’s see who qualifies in each of these categories.

Juakali sector generally means anyone who earns wages either on a daily or on a weekly basis. Remember wages have no formal employment terms.

Examples of the Juakali sector include a Mama Mboga who sells groceries, a tout who is paid daily basis, and a Boda Boda rider paid every day others.

Business people, in this case, refer to people who own any form of business that is not be employed either on the contract or permanently. If they have formal employment then their employer should deduct and remit NHIF thus they cease being self-employed.

Examples of business people are like a shop owner, a matatu owner who employs the tout, and a motorcycle owner who employs the rider.

Unemployed refers to anyone who is neither in the Juakali sector nor informal employment (a contract or permanent) and is not a student.

Terms of Self-Employed NHIF Membership

To be eligible as a self-employed NHIF member you must fulfill the following conditions.

  1. You must pay ksh.500 monthly contributions before the 9th of every month.
  2. Late payment attracts a Ksh.250 penalty.

Point to note: Mark the word “before” means that if you pay your contribution on 9th you are late. The term “before” means you can pay on or before 8th or every month. That simply means anytime from 1st to 8th.

We will show you how to pay the monthly contribution and lateness penalty below.

Method of Paying NHIF Membership

Various methods include:

  1. MPESA
  2. Bank Accounts

How to Pay Self-Employed Monthly Contribution using MPESA

If you are in any of the above categories, you have to pay Ksh. 500 every month to be eligible benefits of NHIF benefits through MPESA.

How to pay monthly NHIF Contribution for Self-Employed Membership follow the following steps:

  1. Go to MPESA Pay, Lipa Na Mpesa, then select Pay Bill.
  2. In the “Enter Business Number” section enter 200222 (the NHIF Business Number).
  3. In “Enter Account Number” section, type your national ID
  4. In the “Enter Amount” section, enter 500.
  5. click “Ok” or “Continue” then enter your secret MPESA pin and submit.

You should get a confirmation message from MPESA that you have paid 500 to NHIF.

How to pay an NHIF penalty for Self-Employed Membership

An NHIF penalty occurs in two ways. First, if you did not pay your monthly contribution in time (before 9th). Secondly, if you didn’t pay your monthly at all. Both of these attract a penalty of Ksh.250 every month.

Step 1: Go to Mpesa, Lipa Na Mpesa, then select Paybill.

Step 2: In the “Enter Business Number” section enter 200222 (the NHIF Business Number).

Step 3: In the “Enter Account Number” section, type your national ID number followed by a small letter y. For example, if your ID number is 123456, then you should enter 123456y for the payment to be treated as a late payment.

Step 4: In the “Enter Amount” section, the amount depending on the number of months defaulted. For example, if you defaulted for 1-month enter 250, 2 months enter 500, 3 months enter 750. Just multiply the number of months defaulted by 250.

Step 5: Click “Ok” or “Continue” then enter your secret MPESA pin and submit.

You should receive a communication email that you have paid NHIF to account for 123456y.

Cost of payment: Both monthly contributions and penalties on self-employed payment cost Ksh.23. Therefore, ensure you have at least Ksh.23 extra.

Payment Through Bank Account

You can also pay contribution and penalties through bank accounts in the following bank accounts:

  1. NBK: National Bank of Kenya
  2. KCB: Kenya Commercial Bank
  3. Equity Bank
  4. Cooperative Bank

How To Check Member Contribution Status

You can confirm the status of your membership using a USSD as follows:

  1. Create a text message that reads the letters “ID” in caps, followed by space, then your ID number in letters. For example, if your ID is 123456 then type ID 123456 in a new text message.
  2. Type the number 21101 that you should send the message to.
  3. Then click send to query your status.

Accredited Hospital Categories

NHIF accredited hospitals are categorized into 3 as follows:

  1. Category A (Government Hospitals): Hospitals in category A are the government Hospitals. Active members are eligible for full and comprehensive cover and including surgery. By full cover, it means the members are not required to pay any coin for admission.
  2. Category B (Private and Mission Hospitals): Active members are eligible for full and comprehensive cover but they may be required to make a partial payment to cover the surgery cost
  3. Category C (Private Hospitals): Under this category, NHIF only pays specified daily benefits.

NHIF continuously vets and on boards new hospitals under the above categories.

NHIF covers a specific number of beds in each of the accredited hospitals.

Find the complete list of accredited hospitals including bed capacity and category here