This guide will help you learn the NHIF rates in Kenya 2023, how to calculate your monthly payment and the benefits of paying NHIF contributions.
National Health Insurance Fund (NHIF) is a Kenyan government state corporation under the Ministry of Health. Its solely mandated to provide health insurance to Kenyans.
Every employer is required by law to remit the NHIF contributions to NHIF for their employees every month. If you are self-employed, you can pay for your NHIF contribution via MPESA.
Related: How to Check Your NHIF Status
How to Calculate Your NHIF Monthly Payments
Your monthly NHIF contributions are solely dependent on your monthly gross salary. The more you earn, the more your monthly NHIF contributions.
For salaried individuals, the lowest NHIF rate is KES 150 for persons who earn anything between KES 0 to KES 5,999. Conversely, the highest NHIF rate is 1,700 for individuals who earn more than Kshs 100,000 per month.
How much is the NHIF Monthly Contribution for self-employed?
Voluntary and self-employed individuals are required to contribute KES 500 per month. Failure to remit your payments by the 9th of every month, then you will be charged a penalty of KES 250 per month.
NHIF Rates in Kenya 2023
The table below gives a summary of the updated list of NHIF rates in Kenya 2023:
| Employee’s Gross Salary (KES) | Monthly NHIF Contributions |
| 0 – 5,999 | KES 150 |
| 6,000 – 7,999 | KES 300 |
| 8,000 – 11,999 | KES 400 |
| 12,000 – 14,999 | KES 500 |
| 15,000 – 19,999 | KES 600 |
| 20,000 – 24,999 | KES 750 |
| 25,000 – 29,999 | KES 850 |
| 30,000 – 34,999 | KES 900 |
| 35,000 – 39,999 | KES 950 |
| 40,000 – 44,999 | KES 1,000 |
| 45,000 – 49,999 | KES 1,100 |
| 50,000 – 59,999 | KES 1,200 |
| 60,000 – 69,999 | KES 1,300 |
| 70,000 – 79,999 | KES 1,400 |
| 80,000 – 89,999 | KES 1,500 |
| 90,000 – 99,999 | KES 1,600 |
| 100,000 and Above | KES 1,700 |
| Self Employed Individuals | KES 500 |
NHIF Benefits
NHIF Inpatient Cover
The NHIF inpatient package covers the following services:
- Consultations
- Dressing and Maternity charges
- Accommodation/Hospital bed charges
- Nursing care
- Operating theatre charges
- Laboratory tests
- Radiology examinations
- Physician’s fees
- Prescribed medications
NHIF Outpatient Cover
The NHIF Outpatient Cover includes the following services;
- Consultation with General Practitioners
- Laboratory investigations
- Optical care
- Daycare procedures
- Drugs & dispensation
- Dental health services
- Health education
- Drug and substance abuse
- Minor surgery services
- Rehabilitation and physiotherapy services
You can register for NHIF cover to enjoy the above services in NHIF-accredited hospitals. You can visit any NHIF office or the nearest Huduma Center with the following requirements to register:
- A copy of your national ID
- Your spouse’s ID copy
- A copy of your marriage certificate copy, and in case you do not have one a sworn affidavit.
- For the children, carry copies of their birth certificates or birth notification if the child is between 0-6 months
- Passport-size photos for all dependants.
After registration, you can start paying for your NHIF using MPESA via the pay bill number 200222 and ID number as your account number.
I hope you this article has helped you learn about the NHIF rates in Kenya. Also, read on how to pay for your NHIF penalty via MPESA.
