New NHIF rates take effect

NHIF rates
Most formal workers have been paying Sh320 per month since 1988. PHOTO/FILE
The National Hospital Insurance Fund (NHIF) has gazetted new premium rates that will see formal sectors workers in Kenya paying higher contributions with effect from April 1.

According to a legal notice dated February 6, and which was signed by NHIF chief executive Simon Ole Kirgotty, the contributions will ascent in a graduated structure that will see high-income earners’ deductions rise by up to 431 per cent.

Individuals earning Sh5,999 and below will contribute Sh150 while those earning Sh100,000 and above will pay the highest amount at Sh1,700.

The self-employed, who have been making monthly contributions of Sh160, will start paying Sh500 beginning April 1, 2015.

Most formal workers have been paying Sh320 per month since 1988 when the rates were last reviewed.

1.) NHIF will limit the outpatient, inpatient and maternity services to all public hospitals and low-cost private hospitals.

2.) Currently NHIF pays rebates on daily bed charges of between Sh400 and Sh2,400 a day, with most high cost facilities getting Sh1,800.

3.) All formally employed workers are obligated to contribute to NHIF through a monthly deduction on their payslips, even for those that have their employer-sponsored health insurance schemes.

4.) Anybody who is not in employment will be considered “self-employed”.


Gross Income (Sh) Premium (Sh)
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
35,000-39,999 950
40,000-44,999 1,000
45,000-49,999 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 + 1,700
Self-employed 500

33 Responses to "New NHIF rates take effect"

  1. As long as the said covers will be done faithfully as stipulated, i feel it is a new dawn for the common mwananchi since all will access health facilities.Management of the cash flow should also be very professional.

  2. The new NHIF rates are too high. Why don’t you make it optional for the outpatients? I don’t think it will work for my group of about 300 members. It is like the government does not consider us [low income earners] at all. I think this is only for the rich.

  3. The rates are welcome if only outpatient is adequately covered and in many hospitals both public and private.

  4. If this will be open to all members unlike the previous ones where civil servants were were the beneficiaries, I will support it.

  5. My employer has a 24hrs health cover for me and I never go to any of the NHIF-listed clinic. The Sh1,700 monthly deduction during my 30 years of employment will be used to fund political campaigns. I’m very sad today.

  6. The rates are too high and very few people have access to these services. Again, why not cover all hospital expense for members? Sometime ago, after spending 40k on hospital, I asked for a rebate and I was only refunded 10k yet I have been a member since 1992 – not even failing to pay a single day. To make the matters worse, the rebate took four months to be approved. Pathetic!

  7. Why are there inconsistencies in amount of increased NHIF especially among the low income earners? For instance whereas high income earners’ NHIF deducted is decreasing marginally, the amount for low income earners is increasing exponentially for a small range of income increment. I wonder what formula was used to calculate this as it doesn’t follow the doctrine of equity.

  8. This is too high! These rates should be lowered to make them affordable. Somebody will use the money for 2017 campaign. I’m so sad and annoyed.

  9. New Nhif rates are very unreasonable for low income earners considering PAYE is also being deducted from the same salary. Many Kenyans will always remain poor. It’s so absurd.

  10. It is absolutely unfair to charge an old unemployed person 500, eti s/he is self-employed. That must be revised.

  11. Martin A. Shikono · Edit

    We should be allowed to walk into any hospital in the Republic of Kenya and served to our satisfaction without any question. The unemployed should be treated freely at all govt facilities.

  12. Erick O. Migao · Edit

    Kindly allow us use the NHIF cards to buy over the counter medicines at the pharmacies, where the cards can be swiped. This is because most of buy medicines from these outlets. To me, this is double contribution as we use cash.

  13. It is a “justice denied” for the poor unemployed Kenyans whose contributions have been highly raised from 160-500. Kindly revise it.

  14. Sh500 up from Sh160 for self employed? That hike is totally UNFAIR and overburdening your citizens. Need to be revised urgently.

  15. How can you peg deductions on gross and not salary … this is outrageous..Highly paid civil servants (job group S and R) get to remit the same amount as those in Job group N and M for what reason and they will not feel it because they have other medical covers.Peg it on salary or net and not gross.. Hii ni pesa ya kutajirisha watu wacahache…

  16. Fredrick Watako · Edit

    Rates increase too high especially to low income workers and MOSTLY to unemployed.We have other family cash needs apart from medication. Please review. Out patient cover has no impact and it better remain as it was.

  17. I don’t have a problem paying 500ksh as a self employed, but why don’t you have the comprehensive cover even in private hospitals as this will save our pockets from health covers from insurance companies? I’ve witnessed the difference between a government hospital and a private one, so our government should think about that issue.

  18. The rates for self employed are too highly kindly review. You should also look in to fraud cases where some hospitals are colluding to defraud NHIF especially now they are increasing the funds collected monthly to about 2 billion.

  19. am a sugarcane cutter/weeder in muhoroni,i had been strugling to contribut my 160 a pm.but now you have killed me & my family.cant afford 500.from my jembe/panga i search for my survival & helth.What do you mean by self employed.dont compare me with a business person somewhere,have never recieve more than what my jembe/strength can work.i belive 70% of kenyans nikama mimi. i know am weak to change my need,may God change your minds to see we are all equal & when we die we are equall.

  20. The government should import more timber for coffins since the low income earners and the self employed have been sent to their early graves. Sh500 for the unemployed? Somebody is sleeping on duty somewhere!

  21. Surely these rates are out of proportion.As for my case,how can I be paying 600 per month then am only limited to a 1000 – 1400 shilling outpatient services…surely it does not make any sense. Where is the other money going to?? I need answers because am confused!!!!!!!!!

  22. How come the rates only go up to 100,000?!!!!!! It means those earning 1,000,000 are within the rate of 100,000 earners? What a shame!

  23. It is sad to see all these comments that Kenyans have put across which are really true. I hope someone will do something about the issues raised. But my question is, what formula was used to come up with this schedule? I think there should be a constant percentage rate which should be used to calculate the amount of money paid.

  24. Martin Abuti Shikono · Edit

    Those earning below 6000 contribute 150 monthly yet the unemployed are expected to contribute 500 same as those in employment earning between 12000 and 15000 a month. This is too high for the unemployed.

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