The National Hospital Insurance Fund (NHIF) provides health insurance to people in both the formal and the informal sector. For people in the formal sector, NHIF is compulsory. The NHIF enables people to access medical services at any time without having to worry about the cost. The medical insurance is now catering to the needs of people in the informal sector, ensuring that all Kenyans can access the insurance cover. NHIF caters for all groups in Kenya such as Civil Servants and it has a subsidiary program for the poor, elderly people and those living with disabilities.
Features of NHIF
This insurance scheme is affordable and has the following features:
- It does not exclude any medical inclusion apart from cosmetic procedures
- It does not have an upper age limit
- It does not limit one on the number of declared dependants
You can register for NHIF both online and offline. Those eligible for the NHIF scheme are persons who have attained the age of 18 years and have a monthly income above Ksh 1,000 per month and Ksh 12,000 annually either from salaries or self-employment. You can always check your monthly contributions dues.
NHIF Registration Requirements
Kenyan citizens should avail the following documents during NHIF registration.
- A copy of the National Identity card including that of the spouse where applicable
- Colored passport size pictures for the spouse and dependants where applicable
- Original and copies of birth certificates for the dependants
- A copy of employment letter from the employer (excludes those in self-employment)
Foreign residents and students should avail the following documents during the registration process.
- Copies of passport and work permit where applicable
- Colored passport photo size including that of the spouse and dependants where applicable
- While using the offline option, you need to download and fill in the membership forms from NHIF website. Then submit the filled forms together with the required amount to the NHIF branches conveniently located countrywide.
For those registering online, follow these simple steps.
- Visit NHIF portal
- Click on register online
- Locate "Employer, Employee or Self Employed" tab from the menu and click on it
- Select of you are a Kenyan or an alien
- Fill in all the required fields
- Attached scanned copies of your ID/Passport/Alien ID and passport photo size
- If you are married, attach a scanned copy of your marriage certificate
- Click Save to apply
How to Reactivate NHIF Account
To reactivate your account, you only need to send Ksh 1,500 through M-Pesa to pay bill number 200222. Use your National ID as the account number. You will have an active membership and you will start enjoying the benefits after two months.
How Does NHIF Work?
The NHIF is seeking to ensure that all Kenyans enjoy comprehensive in-patient and out-patient cover from any unpredictable situations and medical bills. It understands that most Kenyans are detained in hospitals for lack of funds to pay for their medical bills. Others are forced to sell their assets to raise huge sums of money to offset their medical expenses.
People in the informal sector can voluntary join the insurance scheme by contributing Ksh 500 every month to NHIF for every member. Members of the NHIF are issued a membership card which they are expected to present when they visit a hospital covered by NHIF. Doctors will attend to you and you will access medical services until you leave the hospital. The hospital is responsible for making a claim to the NHIF to get reimbursed for the expenses you spent.
There are over 400 accredited health facilities in Kenya, meaning that there are high chances that NHIF covers the hospital that you will visit. NHIF stands out compared to other insurance covers since it does not discriminate when it comes to diseases. It caters for all the diseases. Also, when patients visit private hospitals, they can share the cost with NHIF.
What are the Benefits of NHIF Membership?
There are many benefits that NHIF registered members enjoy. Some of them include the following.
- In-patient covered for the declared spouse and dependants
- Provision of health services to member and dependants
- Wide range of health facilities are NHIF covered including some private facilities
Make sure that you register for the insurance cover to ensure that you enjoy all the health benefits. It will cover you from any health uncertainties and unpredictable catastrophes.
Vincent is an experienced journalist from Kenya as well as a statistician. He has a degree in Applied Statistics with computing from the University of Eldoret.