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Importance of having NHIF in Kenya


Kenya’s National Health Insurance Fund (NHIF) is a pregnant woman’s best friend – I will talk about pregnancy because that is what I have experience in as I have never needed it for any other reason.

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If you are pregnant already and do not have NHIF, you can go register and as long as you have more than 3 months before delivery, they will cover the cost unlike other insurances where you cannot get maternity cover if you give birth within 10 months of acquiring the cover.

I know hospitals that as long as you have NHIF, you will pay Kshs 0.00 even though it turn out to be a Cesarean.


Proposed Benefits

In addition to the current benefits, under the proposed out-patient cover, members will enjoy the following benefits:


Formal sector employees’ contributions are deducted and remitted to the Fund by their employers. This is done by Cheque or through E-banking. For members under the voluntary category, they pay Kshs. 500 per month (Kshs. 6,000 per year). For those in formal employment, contributions are made as per their income.


NHIF registers all eligible members from both the formal and informal sector. For those in the formal sector, it is compulsory to be a member. For those in the informal sector and retirees, membership is open and voluntary. To register with NHIF fill in the Members Form or go to Huduma Centers.

Read more from Faith Mwaura at KenyanMums


You may also like: How to Register for NHIF in Kenya with Dependents

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