The following are the NHIF rates for 2020. NHIF new rates meant that Kenyans who work in the formal sector will now pay higher National Hospital Insurance Fund (NHIF) monthly contributions. The NHIF management adopted new NHIF rates in a NHIF rates gazette notice of 6th February 2015.
The NHIF new rates effective date was April 1st, 2015. Monthly NHIF contributions are compulsory for formal sector workers. Workers in the informal sector can also apply voluntarily, including those Kenyans who have retired.
NHIF new rates have become necessary as the old NHIF structure only provided in-patient medical cover. The NHIF new rates are intended to give NHIF members both in-patient and out-patient cover. These new NHIF rates would have come into effect in July 2010 but were delayed by a court case. Out-patient cover services included in these NHIF new rates include:
- Family planning
- Drugs and medicines
- General consultation with general medical practitioners
- Prescribed Laboratory tests and Lab investigations
- Treatment of Sexually Transmitted Diseases.
- Prescribed ultra sound diagnosis and X-ray
- Treatment, dressing and diagnostic testing
- Clinical counseling services
- Post-natal and ante-natal health care
- Health and wellness education
NHIF New Rates Effective Date is April 1st 2015
Self-employed Kenyans were paying Ksh 160 monthly before the NHIF new rates came into effect. They now make monthly contributions of Ksh 500. Kenyans working in the formal sector were paying Ksh 320 from 1988, until April 1st when the new NHIF rates kicked in. The NHIF rates had been last reviewed in 1988. These are the premium NHIF new rates, also available on the NHIF official website:
|Gross Income (Ksh)||Monthly NHIF Premium (Ksh)|
|Up to 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 and above||1,700|
|Self Employed (special)||500|
The NHIF new rates are undeniably higher, and have caused the recent NHIF saga among formally employed Kenyans.
Nurses, Federation of Kenyan Employers (FKE), Central Organization of Trade Unions (COTU) and Teachers (KNUT) have raised questions over the new NHIF rates.
But the NHIF new rates are sorely for public good, and reflect the rising cost of health-care in Kenya.
The new NHIF rates will enable the government to accomplish its main health obligation: to provide health care to all Kenyans. NHIF in-patient and out-patient medical cover does not discriminate against any illness or age group. This is the biggest advantage of getting the NHIF cover under the NHIF new rates, as opposed to health insurance provided by insurance companies.