NHIF SUPA cover products and services in Kenya

Current NHIF Rates for Employees and Self Employed

It is now mandatory in Kenya for salaried public and state officers to contribute a given percentage of their gross salary towards the National Health Insurance Fund, NHIF. According to the current NHIF rates, the employer must remit 2% of the employees’ gross salary subject to a maximum of Ksh. 1,700 if the gross income exceeds Ksh. 100,000.

NHIF rates, services

While NHIF insurance membership is compulsory for those employed in the formal sector, those in the informal sector, self-employed and retirees are free to join voluntarily.

NHIF members under the voluntary category pay Kshs. 500 per month (Kshs. 6000 per annum). For those in formal employment, contributions are pegged on their gross income.

NHIF offers inpatient and outpatient services in accredited hospitals. The principal member and dependents must have registered for NHIF membership and selected outpatient facilities for each of the family members before accessing the services.

NHIF provides 4 insurance schemes to various categories of its members;

  • EduAfya Scheme is a unique Comprehensive Medical Insurance Cover for public secondary school students during the duration of Study.
  • Linda Mama package enables expectant women and infants to have access to quality and affordable health services.
  • Civil Servants Scheme is a medical insurance package negotiated by the government and NHIF for all civil servants in Kenya.
  • The National Supa Cover products and services offer medical cover to those in formal and informal employment.
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NHIF Contribution Rates for Employees 2021

Here are the NHIF payment rates deducted by employers at the end of every month. The self-employed and voluntary individuals pay a fixed rate of Ksh. 500 per month.

These rates are based on 2% of an individual’s gross income.  However, those earning Ksh. 100, 000 and above can pay only a maximum of Ksh. 1,700.

The minimum contribution a person under formal employment can pay is Ksh. 150, for income falling in the 0 to 5,999 shillings bracket.

Employee’s  Monthly Gross Income (Ksh.) NHIF Rates Per Month (Ksh.)
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 and above 1,700

NHIF Penalties for Late Remitances

If the employer fails to remit the employee’s NHIF contributions by the 9th of every month, the employer will be liable to pay late payment penalties. However, this will not affect NHIF service delivery to the scheme members.

For the self-employed, failure to pay contributions by the 9th of every month will incur penalties amounting to 50% of the monthly contribution. That’s 50% of Ksh. 500 which comes to Ksh. 250 on top of the previous month’s premiums.

Read Also:   How to Choose or Change NHIF Outpatient Facility Online, USSD Code or App

NHIF penalties

If you are prone to consistent late NHIF monthly payments, you will be required, in addition to penalties, to pay upfront which can be a year’s contribution.

Also Read:

  1. How to Choose or Change NHIF Outpatient Facility Online, USSD Code or App
  2. List of NHIF Outpatient Hospitals in Kiambu County
  3. AON Minet Kenya Teachers Medical Cover
  4. AON Teachers Dental Service Hospital Providers