How to Pay NHIF via M-Pesa-The National Hospital Insurance Fund (NHIF) is a vital Medical Lifesaver to Kenyans. Established in 1966 and now operating under the NHIF Act No 9 of 1998, NHIF has been a crucial healthcare support for Kenyans.
Today, NHIF has grown widely in Kenya, with over 95 branches. Ever heard of NHIF? If not, let’s dive into what makes it so noteworthy. In Kenya, NHIF plays several roles to Kenyans at large as far as Medical emergencies are concerned.
With NHIF, you’ve got a safety net for your medical bills when you’re unwell. Medical emergencies can happen anytime, which is how NHIF can prove its usefulness when least expected. In this article, we’ll explain how to pay for NHIF Via M-Pesa and everything about NHIF.
What Is M-Pesa
M-Pesa is a popular mobile phone transfer service servicing Kenyans since its official launch in 2007. M-Pesa, a widely-used mobile-based money transfer service, offers ease of use and security with PIN-protected transactions, eliminating the need to carry cash. Lastly, you can use M-Pesa to carry out an infinite number of transactions, including sending and receiving money, paying for goods and services, accessing M-Shwari savings, and paying for NHIF rates at any time you want.
Preliminary Steps Before Making Payments
Before jumping into payments, let’s do a quick NHIF account checkup. NHIF offers various packages that will require you to pay for varied amounts. For example, low-income earners and self-employed contributors will pay KSh 300, while those with higher incomes will contribute 2.7% of their earnings. Once you know how much to pay, make sure your M-Pesa wallet has enough cash for the transaction. Also, note that for each M-Pesa transaction, M-Pesa will always charge you some amount from your outstanding balance.
NHIF rates 2024
Curious about the NHIF rates for 2024 ? Check out this list that might be an eye-opener:
More Read
| Salary(Ksh) | Monthly Contribution(Ksh) |
| 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 |
| Self-Employed (Special Type) | 500 |
Step-by-Step Guide to Pay NHIF via M-Pesa
Now that we have learned everything you need to know about NHIF and its relation to M-Pesa let us look at how you can start paying for NHIF via M-Pesa. Here’s how you do it:
- On your phone, go to your M-Pesa menu.
- Look for the “Pay Bill” option.
- Now enter the NHIF Pay bill number, which is 200222.
- When prompted to enter the account number, type in your ID number, which is your NHIF Account number.
- Enter The amount that you want to pay for
- Before you hit ‘OK,’ double-check everything.
- The last step is to enter your M-Pesa PIN, and you’re done! M-Pesawill send you an SMS message to confirm the details of your transactions.
Suppose a situation arises where you still need to make your NHIF payments at the right time via M-Pesa. Yes, we all forget; there is no need to fret. If you find yourself in this situation, you will be subjected to the NHIF penalty, which is facilitated also via making a payment via M-Pesa.
Note: The NHIF penalty for late payment is 10% of the monthly contribution. For example, if you are contributing Ksh. 500 monthly, then you will be paying Ksh—50 for late payments.
Here is how to pay for NHIF Penalty via using M-Pesa:
- Go to your M-Pesa menu again
- Enter the Pay Bill number, which is still 200222.
- For your account number, put your ID and add a ‘Y.’
- Calculate your penalty and enter the amount
- Double-check and confirm with your M-Pesa PIN.
It is pretty simple to pay for if using M-Pesa. The same procedure is also applied when paying for the NHIF Penalty.
Registration and Managing NHIF via M-Pesa
Joining NHIF is quite an easy task that comes with its perks. If you are thinking about joining NHIF, there are specific eligibility criteria that you need to meet first. First, ensure you are above 18 years or 16 years of age for dependants. Also, it would be best if you were a Kenyan citizen.
Now that you have familiarised yourself with the prerequisites, let us take at the several methods you can use to register for NHIF in Kenya.
Option 1: NHIF Selfcare
Do you have access to an internet connection? If so, you can register for NHIF using their online portal, which is accessible via the NHIF Selfcare Platform. Proceed by following the steps outlined in the platform.
Option 2: USSD Code
If you have a basic phone like a “Kabambe” and can’t access the Internet, don’t worry. That’s where the NHIF USSD code option comes in. To register, dial *155# to get started.
OPTION 3: ‘My NHIF’ App
For those who prefer using an online store or application, using the ‘My NHIF’ App is one way to register for NHIF. To get started, download the app, Google Play Store or Apple Store.
EXPERT TIP: After you have registered for NHIF, the process continues. To be fully registered, you must visit any NHIF office or Huduma Center for finger biometric registration. For first-time registration, you will be required to pay KSH, 1500which will cover three months, after which you will start paying KSH 500 monthly. Remember to bring yourself along with the following documents.
- Copy of national identification card for the principal member.
- Colored passport-sized photo for the principal member.
- Copy of spouse’s national identification card (for first registration only) or a copy of an affidavit or marriage certificate if one wants to include their spouse to their cover.
- Copy of birth certificates for children above six months (or birth notification for children below six months) if one is adding children to their cover.
- Colored passport-sized photo of children and spouse.
Managing NHIF Payments and Updates via M-Pesa
Keeping track of your NHIF payments is super easy with M-Pesa. How do you achieve this Eac time you pay for NHIF Via M-Pesa? M-Pesa will record your transaction statements in an M-Pesa statement record. If you want to update your details or add someone to your plan, you can do so by logging in to your account and updating your details again.
That’s everything you need to know about how to pay this via M-Pesa. If you have comments about the artwork, feel free to comment below, and we will get back to you as soon as possible.
