Did you know the National Health Insurance Fund is a state parastatal? The parastatal was founded in 1966 as a department under the Ministry of Health. Its primary goal is to cushion Kenyans from financial hardships that accompany illness and disease in many households. NHIF registration is open to all Kenyans who are 18 years old and above.
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NHIF has 95 branches, satellite offices, and a presence in the 47 Huduma Centers countrywide. Each branch and satellite office offers comprehensive customer service. The NHIF registration process is pretty simple.
NHIF promotes equitable and sustainable health and well-being among all Kenyan citizens. It is an insurance scheme. Citizens make monthly contributions. The insurance caters for in and out-patient hospital bills as guided by the stipulate terms and conditions. Citizens can only enjoy these services if they register for this health insurance scheme.
NHIF registers all eligible members from both the formal and informal sectors. It is compulsory for those in the formal sector to be a member. On the other hand, it is voluntary for those in the informal sector and retirees.
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NB: You will have to appear at an NHIF branch to collect your card when ready.
Follow the steps below to register for NHIF via USSD.
If you wish to apply for the national health scheme in person, visit the nearest NHIF office or Huduma Centre. Carry all the required documents. Request an NHIF registration form, fill it up, and submit it at the relevant desk.
The relevant personnel will work on your request and register you. They will give you a date to collect your NHIF card.
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To complete your registration successfully, you must have the following.
NHIF does not charge a registration fee. Once you register, you are required to remit your monthly contribution for three months immediately, i.e. KE 1,500. Failure to do so attracts penalties.
Regular cards take up to 14 days, and one can collect them at the nearest NHIF office or Huduma Centre. In some cases, cards are processed urgently. Urgent cards take 24 hours.
To check your status, send ID number in the form of SMS to 21101 using the format "ID*your ID number*. Alternatively, you can dial *155# on your phone and follow the prompts. A third option is checking via the NHIF mobile app.
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All voluntary or self-employed persons should remit a monthly contribution of KES 500. The NHIF rates for employees are shown in the table below.
| Income bracket (in KES) | Monthly contribution (in KES) |
| 0 - 5,999 | 150 |
| 6,000 - 7,999 | 300 |
| 8,000 - 11,999 | 400 |
| 12,000 - 14,999 | 500 |
| 15,000 - 19,999 | 600 |
| 20,000 - 24,999 | 750 |
| 25,000 - 29,999 | 850 |
| 30,000 - 34,999 | 900 |
| 35,000 - 39,000 | 950 |
| 40,000 - 44,999 | 1,000 |
| 45,000 - 49,000 | 1,100 |
| 50,000 - 59,999 | 1,200 |
| 60,000 - 69,999 | 1,300 |
| 70,000 - 79,999 | 1,400 |
| 80,000 - 89,999 | 1,500 |
| 90,000 - 99,999 | 1,600 |
| 100,000 and above | 1,700 |
Employees have their monthly contributions deducted from their monthly income automatically. Therefore, they do not need to make individual contributions.
On the other hand, voluntary members should make their KES 500 contributions via M-Pesa. Follow the steps below to remit your contribution.
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Various banks, e.g., Equity bank, National Bank, Kenya Commercial Bank, and Cooperative Bank, also allow you to pay your monthly contribution.
The primary benefit of joining the NHIF scheme is saving individuals and households from financial hardships in case of illness or disease.
The insurance cover caters for hospital bills for the contributor, declared spouse, and children, as per the law. Note that the scheme may not cover bills for specific conditions or instances.
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If you wish to contact the parastatal, use the contact details below.
The registration requirements are copies of your national ID card, your spouse's ID card, birth certificates for dependents, and a job appointment letter. You must also have recent coloured passport-size photos of yourself, your spouse, and your dependents.
You can check your status via the NHIF self-service portal or the NHIF mobile app. You can also use the USSD code *155# or SMS "ID*your ID number* to 21101.
After registration, it takes two months for your card to become active. For this to happen, you should make your initial account payments for three months immediately after you complete the registration process.
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Voluntary members are required to contribute KES 500 monthly. The rates for employed persons differ depending on their income bracket.
Yes, you can. You should visit the self-service portal and follow the prompts to complete the registration process.
It takes about 14 days for one to get their card. In some instances, cards are processed within 24 hours.
The NHIF registration process is fairly simple. Interested members can complete the process online, via USSD, or in person at the branches or Huduma Centres.
Tuko.co.ke recently published how to file NIL returns on the KRA iTax portal. The government mandates the Kenya Revenue Authority (KRA) to assess, collect and account for all tax revenues.
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Every individual or business in Kenya with a KRA PIN must file their returns. You file NIL returns for a particular tax period if you did not generate income that year.
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Simon Ayub (Lifestyle writer) Simon Ayub is a Content Manager, Strategist, and writer who joined Tuko's team in 2019. He graduated in 2014 with a BSc in Agricultural Economics and is a CPA. Simon has over a decade of experience creating content for nyagah.co.ke, theHoth and other platforms. He works on content encompassing biographies, fashion and lifestyle, gaming, and more. Simon was awarded the "Writer of the Year" 2022 on Tuko. In 2023, Simon finished the AFP course on Digital Investigation Techniques and, in 2024, expanded their skills through the Google Initiative Course. You can reach him via simonayub@gmail.com.
Cyprine Apindi (Lifestyle writer) Cyprine Apindi is a content creator and educator with over 4 years of experience. She holds a Diploma in Mass Communication and a Bachelor’s degree in Nutrition and Dietetics from Kenyatta University. Cyprine joined Tuko.co.ke in mid-2021, covering multiple topics, including finance, entertainment, sports, and lifestyle. In 2023, Cyprine finished the AFP course on Digital Investigation Techniques. Email: cyprineapindi@gmail.com
