Now that you have joined the NHIF scheme, the next step is to learn more about NHIF payment. Members of the NHIF both self-employed and salaried, must make their monthly contributions.
Paying your NHIF contribution late results in penalties and prevents you from receiving medical care from accredited facilities.
About NHIF and its payment methods
In Kenya, the NHIF provides the best healthcare services at an affordable cost for the citizens of the nation. The National Health Insurance Fund has revised its payment packages to provide quality healthcare to Kenyans from all walks of life.
The payment is simple to make and can be through M-Pesa or via the bank. You are free to choose any method of your choice. NHIF issues a card as evidence of complete registration and card replacement.
NHIF payment methods
The health platform accepts payment of monthly subscriptions through:
- M-Pesa and,
- Bank
How to Pay NHIF via M-Pesa
The most common question we hear from people is, “How can I pay my NHIF subscription via M-Pesa?” If you are self-employed, you can pay your monthly subscriptions using M-Pesa pay bill number 200222 and follow the procedure below:
- Click on Lipa na M-Pesa in your M-Pesa menu.
- Select Paybill and enter business number 200222.
- Enter the account number and the contributor’s ID number.
- Type the amount, usually in Kshs. 500.00 per month.
- Put in your M-Pesa pin.
- Verify that all details are correct, and then click OK. M-Pesa will send you a confirmation message. It takes 2 to 3 days for the payment to reflect.
- NHIF payments made through M-Pesa are convenient because they can be made at any time and from any location.
NHIF payment via bank
Alternatively, you can make your monthly payment through any of the four bank accounts:
- National bank
- Co-operative bank
- KCB bank and,
- Equity bank.
NHIF Paybill number
NHIF’s pay bill number is 200222. Payments should be made via M-Pesa using the paybill number.
What to do when NHIF payment does not reflect
Once the systems are working properly, the payment will update automatically. To determine whether they have received your payment, check your account status. If it takes time to reflect, you can always contact the NHIF office for help.
NHIF payment deadline
The payment due date for NHIF is usually on the 9th day of every month.
NHIF Payment Penalty
To avoid penalties, members are encouraged to pay on time. Late payments usually incur a penalty charge of 50%. For example, if you were supposed to pay Kshs. 1000, you will have to pay an additional Kshs. 500 as a penalty if you pay after the due date.
If an employer fails to submit his employees’ standard contribution, he will be liable for a penalty under the NHIF Act. Employees in this scenario will not have to pay any penalty for the time they were employed by the employer. The reactivation fee for NHIF cards will be Kshs 1500 if you haven’t contributed for more than 12 months.
You can still access NHIF services once you start paying after defaulting for a while. Paying penalties is the same as paying monthly contributions.
NHIF payment rates for salaried employees
Anyone who is 18 years or older and is a Kenyan citizen can make their contributions directly to NHIF for their medical insurance.
How much should you pay for NHIF per month? Under the voluntary category, members pay Kshs. 500 per month, that is, Kshs. 6000 per year.
Depending on how much each member makes per month, the contributions are usually deducted directly from their salaries. For salaried employees, here’s the NHIF rate breakdown: Up to ksh. 5,999 pay Kshs. 150.
Kshs. 6000 – 7999 pays Kshs. 300.
Kshs. 8000 – 11,999 – Kshs. 400.
Kshs. 12,000 – 14,999 – Kshs. 500.
Kshs. 15,000 – 19,999 – Kshs. 600.
Kshs. 20,000 – 24,999 – Kshs. 750.
Ksh 25,000 – 29,999 – Kshs. 850.
Kshs. 30,000 – 34,999 – Kshs. 900.
Kshs. 35,000 – 39,000 – Kshs. 950.
Kshs. 40,000 – 44,999 – Kshs. 1,000.
Kshs. 45,000 – 49,000 – Kshs. 1,100.
Kshs. 50,000 – 59,999 – Kshs. 1,200.
Kshs. 60, 000 – 69,999 – Kshs. 1,300. Kshs.70, 000 – 79,999 – Kshs. 1,400.
Kshs. 80,000 – 89,000 – Kshs. 1,500.
Kshs. 90,000 – 99,999 – Kshs. 1,600.
Kshs. 100,000 and above – Kshs. 1,700.
NHIF contact
NHIF can be reached at 0800720601 toll-free or at customercare@nhif.or.ke. The service points are also available to provide assistance. For enquiries, you can use the following contact details:
Enquiry: customercare@nhif.or.ke
Complaints: complaints@nhif.or.ke
Laise: info@nhif.or.ke
Fraud: fraud@nhif.or.ke or (020) 271 4803
Fax: (020) 271 4806
Phone: (020) 272 3246
Working Hours are usually Monday to Friday from 8am to 5pm
NHIF portal login account login
Login to the portal by visiting http://www.nhif.or.ke. If you want to know what your account status is via your mobile phone, compose a new text message.
Type the letters “ID”, a space, then your ID number (or passport number if applicable ) e.g ID 12345678 and send to 21101
Note: Charge for this service is Kshs 10 only.
Conclusion
The above information in this article should answer all of your questions about NHIF payments. NHIF rates are very affordable, so you should not hesitate to join if you have not already done so.
To avoid penalties and receive the best treatment options, be sure to pay your monthly contribution on time.