How to check your NHIF account status and pay contributions

NHIF scheme has been a life saver to countless Kenyans.

According to an opinion piece published in the Star by Siddharth Chatterjee the UN Resident Coordinator to Kenya, says among the poorest in Kenya, only 3% have health insurance, which is provided by the National Hospital Insurance Fund (NHIF).

The article continues to say

Among the wealthiest, many who also have private cover, this rises to 42%, indicating again that the poorest are at risk of being left behind even further, and do not have an appropriate safety-net to fall back on

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Health Cabinet Secretary Sicily Kariuki recently unveiled a team of experts to spearhead radical reforms at the NHIF. This new initiative will build on past efforts at reforming NHIF, which were only partially implemented. The team will analyse the financial sustainability of NHIF, oversee legal and regulatory reforms among other propose organisational reforms to reposition NHIF as a national social health insurance provider and ensure its accountability and transparency.

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How NHIF works:

There are certain operative measures put in place to ensure the fund benefits all without misuse. For instance the fund limits the number of hospital visits one can make in a year and still have their bill covered. Other than these the state parastatals check eligibility of cover; not all members can be covered by the scheme.

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How to check NHIF Account status online

Here is the step by step analysis of how to check NHIF account status online:

With your internet enabled device, get to the NHIF official website: www.nhif.or.ke

If you are visiting the site for the very first time, you need to first register in order to receive the services. You need NHIF card numbers, a valid email address and a day working phone number in case they would like to reach up to you for enquiries or other reasons.

This follows several prompts to fill up other personal details which should be dully filled before saving or submitting.

Develop a password that you will use every time you log onto the portal, this should be easy to remember yet not so obvious.

However, it can be reset in case you have completely forgotten your password for the NHIF account status online enquiry. Technically, this is how to create an NHIF self service individual account. Now, log onto the NHIF self service portal and proceed on to get your NHIF account status online. Information about how you make the monthly NHIF payment, balance, anytime one has defaulted, activation period among other details. For security of your bio, log out from the device after you are done checking the NHIF account status online Kenya.

By use of phone

Go to the main menu on your mobile phone and select the message icon by touching if using an android phone or just click on the icon for QWERTY phones. This opens the message thread for inbox, at the top there is a compose prompt, click on it. At the message space, type ID, a space followed by the ID number or the Passport number if applicable. For example, ID 123456 sent to the NHIF number which receives and processed details for you. This message should be sent to 21101 which is NHIF recipient. Information regarding your NHIF account status will be processed and send back to you in a text message. Note a service charge of ksh. 10 applies.

Penalties

The NHIF penalties for late payment Kenya apply in two varied ways; for those in the formal and informal sectors, treatment is done separately. If you are in the formal employment, and fail to pay timely, then the penalty you attract equals the amount you are supposed to contribute. This implies you will pay double the amount. If in informal employment, a 50% charge will have been attracted following late payment. If you contribute ksh. 500 monthly to the NHIF, the late payment means you will pay kshs. 750. All monthly contributions should be made on or before the 9th of every month. NHIF payment made after this date is considered late payment and attracts penalties. So how does one make their monthly NHIF contribution?

Finally, NHIF payment can be made through the use of mobile money transfer service; M-Pesa. Money is loaded to the individual Safaricom mobile phone number, money is then transferred to the National Hospital Insurance Fund through the NHIF M-Pesa pay bill number 200222.

Here is the procedure:

  • Go to M-Pesa menu and select the pay bill option Enter the NHIF M-pesa pay bill number, 200222
  • Enter you ID Card number in the subsequent lead
  • Key in the amount – NHIF payment monthly contribution
  • Enter the M-pesa pin and  a confirmation message is then sent  acknowledging that the money is received.

Read more here:

 

Gospel artiste Bahati saves these 5 Kenyans millions in medical bills by doing this

Gospel artiste Bahati is extending a helping hand to those in need by helping them pay for their National Health Insurance Fund (NHIF) cover registration.

NHIF is a medical cover developed by the government to help Kenyans get medical care at a reasonable price. It has contracted over 5000 health providers categorized into three categories depending on their contract.

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He took to his Instagram page to inform his fans of his generous offer.

He wrote;

“I want to help 5 People Pay for their #NHIFInsurance Cover Registration.. Just Comment your real Age below😃 #NHIFafyayetubimayetu

The first category is Health care providers  which includes all government hospitals expected to provide comprehensive services ranging from surgical and maternity.

Other services include;

  • Medical consultation
  • Drug administration
  • Referrals
  • Radiology services
  • Maternity Services
  • Lab tests

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In patient and Out patient services are catered for and no money is paid.

Monthly contributions towards NHIF is 500 per month which sums up to Ksh 6000 per year.

This amount can afford one service such as Dialysis at Ksh 2,500 per session at medical facilities Kenyatta National Hospital, Nairobi, Moi Teaching & Referral Hospital, Eldoret, Coast General Hospital, Mombasa, Muranga District Hospital, Muranga,Thika Level 5 Hospital, Thika and P.C.E.A Hospital, Kikuyu

In Kenya, patients going through dialysisg are expected to cough at least 30,000 per month given that each session costs between 5,000-9,000 depending on whether the hospital is private or public.

For illnesses such as cancer which requires chemotherapy, NHIF covers as much as Ksh 500,000 to help offset the bill given that the cost of cancer treatment varies based on various factors.

This factors include the level of treatment needed, In patient vs Outpatient care, Public vs Private hospitals.

The second category in the NHIF contract mainly includes Faith based institutions where they offer In patient and Out patient services including maternity services including Caesarean Section. All other services are catered for at no extra cost. Members may be expected to pay extra for surgical cases.

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The last contract is known as Private High end hospitals. In this kind of contract, members have their bills offset through a daily fixed pre-determined rate known as Rebate which varies from one hospital to another.

The members bear the difference between the rebate and the hospital bill either individually or through another medical insurance.

NHIF also covers People living with disabilities under the NHIF SupaCover. The program is funded by the government and World Bank.

The beneficiaries’ list is gotten from the Ministry of Labour and Social Protection.

In the past, we have seen Kenyan celebrities who have had to ask for help from the public to help offset their hospital bills after they went off the roof.

Celebrities such as the Late Achieng Abura, Louis Otieno, Jahmby Koikai and Victor Ogolla are some of the people who have asked the public for medical assistance.

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This is why you don’t need to feel left out anymore

No one ever wants to feel left out even though rejection is inevitable at some point in our lives. Whether you have been left out of a conversation, party or a job promotion; not being picked is not a good feeling.

Imagine walking into a hospital with your situation being so serious and not being able to access services because you do not have medical insurance and you are certain you cannot afford one. As if constantly dealing with your friends, family, colleagues leaving you out isn’t enough, it now extends to accessing services such as medical care.

You think the gods of bad luck must be conspiring against you, but they aren’t. If you are in the informal sector then you need not feel left out again. If you consider yourself a ‘real hustler’ then accessing medical services should not be an agonizing process. The National Hospital Insurance Fund( NHIF) has got all the hustlers covered with their NHIF ya ma…hustler which is a medical cover which is easily accessible and affordable.

Its membership is voluntary for self-employed persons, retirees and organized groups. Whether you are a mama mboga, juacali artisan, bodaboda rider, fisherman or hair dresser all you need is Sh500 per month to enjoy immense benefits from NHIF. What does the package offer?

Comprehensive Family Based Cover
NHIF offers a comprehensive inpatient cover to its Members. This means that the beneficiaries will walk in and out of any hospital under Contract A and B without paying for medical or maternity cases.

The benefits package comprises:-
• Consultation
• Investigations
• Drugs administration & dispensing
• X-rays & radiological services
• Bed charges
• Occupational & physiotherapy services
• Nursing care
• Delivery both normal & cesarean
• Family planning

Read all about the benefits of joining NHIF ya …mahustler on nhif.or.ke

Do you have our membership card?

What are the organizations you have ticked in your check-list that you must become a member of? What are the benefits you get from joining such an organizations? Do the benefits include your family and cater for your specific needs whether you are in a white collar job or casual work?

Well, we have good news for you, an insurance fund that cares for all your needs should be in your list. With the National Hospital Insurance Fund (NHIF) you get medical attention easily at an affordable rate and the benefit packages are unbelievable. NHIF registers any eligible members from both the formal and informal sector.

Membership is categorized into the following;-

1). Formal Sector Membership – This is a statutory membership for all employed persons. The employer deducts NHIF contributions from the income of all employees and remits the same to NHIF together with a payroll by-product.

2). Informal Sector Membership – This is a voluntary membership for self-employed persons and organized groups, e.g. Jua kali artisans, small business operators, small

So how do you obtain the NHIF membership form to access their outpatient cover?

– One can download member registration form from the NHIF website ( www.nhif.or.ke)

– List of Accredited facilities are also available from NHIF website.

-Visit the accredited facility that you wish to get the health services from and drop off the form at the health care facility.

What are the outpatient and inpatient benefits you get from NHIF membership? Visit their website nhif.or.ke for up-to-date information on all your insurance related queries.

Here’s How To Deal With A Depressed Person

Do you have a family member suffering from depression as a result of trauma or drug abuse? Dealing with such an issue especially when it hits you so close can be hard to cope with.

Depression often manifests itself in so many ways like the person becomes withdrawn, they have no appetite, they want to be alone and not talk to anyone or if they do they seem “arrogant” and defensive etc.

This illness can be treated so do not lock them away in the house. Take them to the Mathari Hospital where they will be assisted by professionals to get over the problem and you will also be guided on how to assist them become better.

Worried about the bills? NHIF has you covered, all you need is to do is produce your card. Are you a member?

National Hospital Insurance Fund is a corporation that was established through an act of parliament in 1966 under the Ministry of Health.

Its core mandate is to:

Register members
• Collect contributions
• Pay benefits to declared Hospitals
• Declare Hospitals for purposes of NHIF

Check out the list below on why you need access to NHIF

1. Comprehensive Maternity Cover
This is for both Normal and Caesarean Deliveries in Government Facilities, Faith-based and Low cost Private Health Providers. These are offered at Contract A and B Hospitals.

2. Family Planning – Tubal Ligation

Members have an option to access a Family Planning method especially Tubal Ligation as part of the benefit but only during the period a member or dependant is admitted under the maternity package.

3. Dialysis and Surgical Transplant Package
Currently, NHIF members get treatment in FIVE referral hospitals offering dialysis, namely, Kenyatta National Hospital, Moi Teaching and Referral Hospital, Nakuru Provincial General Hospital, Jaramogi Oginga Odinga Provincial Hospital and Coast General Hospital. NHIF is also working on a cost sharing system with the member for surgical transplants.

4. Drugs and Substance Abuse Rehabilitation Cover
A basic package cover for reimbursing care on Drugs and Substance Abuse Management (Detoxification and Rehabilitation) is available for members at Mathare hospital.

PAYMENT MODE
Mpesa for self Employed person (attached is the brochure)
Banks NBK, KCB and Cooperative Bank for Self Employed
and Employers/Organ

Visit their website nhif.or.ke for more information

This Is The Maximum Number Of Times One Can Have A C-Section

According to research, more and more modern women who get pregnant are shunning natural birth for cesarean section.

Among the reasons they give is the desire to stay “tight”. Sound unreal, right? Yet it’s a legit reason as they are afraid to lose their men.

However the danger with this choice of delivery is that you cannot have as many babies as you may have wanted as there is a limit to the number of times that one can be cut.

However if you wish to go through with it, why not go to a hospital that will also give you advice on how to take care of your wound and prevent infections?

Besides that it costs more than having a natural birth, let that not worry you. NHIF has  you covered, just use your card at any accredited hospital and you will receive the best care available.

National Hospital Insurance Fund is a corporation that was established through an act of parliament in 1966 under the Ministry of Health.

Its core mandate is to:

Register members
• Collect contributions
• Pay benefits to declared Hospitals
• Declare Hospitals for purposes of NHIF

Check out the list below on why you need access to NHIF

1. Comprehensive Maternity Cover
This is for both Normal and Caesarean Deliveries in Government Facilities, Faith-based and Low cost Private Health Providers. These are offered at Contract A and B Hospitals.

2. Family Planning – Tubal Ligation

Members have an option to access a Family Planning method especially Tubal Ligation as part of the benefit but only during the period a member or dependant is admitted under the maternity package.

3. Dialysis and Surgical Transplant Package
Currently, NHIF members get treatment in FIVE referral hospitals offering dialysis, namely, Kenyatta National Hospital, Moi Teaching and Referral Hospital, Nakuru Provincial General Hospital, Jaramogi Oginga Odinga Provincial Hospital and Coast General Hospital. NHIF is also working on a cost sharing system with the member for surgical transplants.

4. Drugs and Substance Abuse Rehabilitation Cover
A basic package cover for reimbursing care on Drugs and Substance Abuse Management (Detoxification and Rehabilitation) is available for members at Mathare hospital.

PAYMENT MODE
Mpesa for self Employed person (attached is the brochure)
Banks NBK, KCB and Cooperative Bank for Self Employed
and Employers/Organ

Visit their website nhif.or.ke for more information

Here’s Where To Go When You Get A Baby

When you live in the village or rural areas sometimes medical assistance can be tricky to access especially at night mainly because of transport.

What happens when a woman goes into labour in the middle of the night? The best thing would be to get a midwife to help at that point as many clinics are usually closed.

Once the baby is out however, the mother should be taken to a hospital for a check up together with the baby at the earliest opportunity.  All government hospitals have nurses and doctors at hand to check on the well being of both the mother and child and will offer advice on how to take care of the child, plus they will give the baby vaccination against various diseases. This will continue for months on until the child is 5 years of age.

You no longer have to worry about where to go to get such assistance so long as you have your NHIF card with you. These services are readily available at your local government hospital/clinic and if you wish to visit a private clinic, use your NHIF card at accredited hospitals to access the services.

National Hospital Insurance Fund is a State Corporation that was established through an act of parliament in 1966 under the Ministry of Health.

Its core mandate is to:

Register members
• Collect contributions
• Pay benefits to declared Hospitals
• Declare Hospitals for purposes of NHIF

Check out the list below on why you need access to NHIF

1. Comprehensive Maternity Cover
This is for both Normal and Caesarean Deliveries in Government Facilities, Faith-based and Low cost Private Health Providers. These are offered at Contract A and B Hospitals.

2. Family Planning – Tubal Ligation

Members have an option to access a Family Planning method especially Tubal Ligation as part of the benefit but only during the period a member or dependant is admitted under the maternity package.

3. Dialysis and Surgical Transplant Package
Currently, NHIF members get treatment in FIVE referral hospitals offering dialysis, namely, Kenyatta National Hospital, Moi Teaching and Referral Hospital, Nakuru Provincial General Hospital, Jaramogi Oginga Odinga Provincial Hospital and Coast General Hospital. NHIF is also working on a cost sharing system with the member for surgical transplants.

4. Drugs and Substance Abuse Rehabilitation Cover
A basic package cover for reimbursing care on Drugs and Substance Abuse Management (Detoxification and Rehabilitation) is available for members at Mathare hospital.

PAYMENT MODE
Mpesa for self Employed person (attached is the brochure)
Banks NBK, KCB and Cooperative Bank for Self Employed
and Employers/Organ

Visit their website nhif.or.ke for more information

At What Age Are You Likely To Get Kidney failure?

Kidney failure is one of the most expensive conditions to manage medically and most people end up dying because they are unable to access dialysis services. It is always draining financially, emotionally and physically.

It is however erroneous to assume that kidney failure only affects people of a certain age group. It has little to do with age and the causes can either be natural occurring or lifestyle related.

Accessing dialysis has proven to be quite a challenge for many people. However that should not be the case if you have NHIF membership as this will be able to cover some of your costs hence making it easier for you to get treatment.

National Hospital Insurance Fund is a State Corporation that was established through an act of parliament in 1966 under the Ministry of Health.

Its core mandate is to:

• Register members
• Collect contributions
• Pay benefits to declared Hospitals
• Declare Hospitals for purposes of NHIF

Check out the list below on why you need access to NHIF

1. Comprehensive Maternity Cover
This is for both Normal and Caesarean Deliveries in Government Facilities, Faith-based and Low cost Private Health Providers. These are offered at Contract A and B Hospitals.

2. Family Planning – Tubal Ligation

Members have an option to access a Family Planning method especially Tubal Ligation as part of the benefit but only during the period a member or dependant is admitted under the maternity package.

3. Dialysis and Surgical Transplant Package
Currently, NHIF members get treatment in FIVE referral hospitals offering dialysis, namely, Kenyatta National Hospital, Moi Teaching and Referral Hospital, Nakuru Provincial General Hospital, Jaramogi Oginga Odinga Provincial Hospital and Coast General Hospital. NHIF is also working on a cost sharing system with the member for surgical transplants.

4. Drugs and Substance Abuse Rehabilitation Cover
A basic package cover for reimbursing care on Drugs and Substance Abuse Management (Detoxification and Rehabilitation) is available for members at Mathare hospital.

PAYMENT MODE
• Mpesa for self Employed person (attached is the brochure)
• Banks NBK, KCB and Cooperative Bank for Self Employed
and Employers/Organ

Visit their website nhif.or.ke for more information

How To Deal With An Addict

Have you ever wondered how you would deal with or take care of a drug addict in your family, be it a spouse, brother, aunt, cousin or even a friend?

Addicts are not the simplest people to deal with as many people tend to think they are a nuisance yet they are sick. The cost of taking them to hospital for treatment may also be out of reach for many families.

Did you know that the Mathari Hospital is a place where addicts can be treated and taken care off until they are well? If you have NHIF membership it is possible to get help for a loved one.

National Hospital Insurance Fund is a State Corporation that was established through an act of parliament in 1966 under the Ministry of Health.

Its core mandate is to:

• Register members
• Collect contributions
• Pay benefits to declared Hospitals
• Declare Hospitals for purposes of NHIF

Check out the list below on why you need access to NHIF

1. Comprehensive Maternity Cover
This is for both Normal and Caesarean Deliveries in Government Facilities, Faith-based and Low cost Private Health Providers. These are offered at Contract A and B Hospitals.

2. Family Planning – Tubal Ligation

Members have an option to access a Family Planning method especially Tubal Ligation as part of the benefit but only during the period a member or dependant is admitted under the maternity package.

3. Dialysis and Surgical Transplant Package
Currently, NHIF members get treatment in FIVE referral hospitals offering dialysis, namely, Kenyatta National Hospital, Moi Teaching and Referral Hospital, Nakuru Provincial General Hospital, Jaramogi Oginga Odinga Provincial Hospital and Coast General Hospital. NHIF is also working on a cost sharing system with the member for surgical transplants.

4. Drugs and Substance Abuse Rehabilitation Cover
A basic package cover for reimbursing care on Drugs and Substance Abuse Management (Detoxification and Rehabilitation) is available for members at Mathare hospital.

PAYMENT MODE
• Mpesa for self Employed person (attached is the brochure)
• Banks NBK, KCB and Cooperative Bank for Self Employed
and Employers/Organ

Visit their website nhif.or.ke for more information

New Born Babies Named After Obama’s Plane

A number of newborn babies have been named in honor of President Barack Obama’s recent visit to Kenya.

Young ones born in Kogelo, the president’s ancestral village got named after him.

When Obama touched down on Friday night two mothers in Kisumu took the unusual decision to name their sons after the president’s jet, Air Force One.

These women received both prenatal and antenatal care under the NHIF fund. You too can be covered under the medical fund.

National Hospital Insurance Fund is a State Corporation that was established through an act of parliament in 1966 under the Ministry of Health.

Its core mandate is to:

• Register members
• Collect contributions
• Pay benefits to declared Hospitals
• Declare Hospitals for purposes of NHIF

Check out the list below on why you need access to NHIF
1. Comprehensive Maternity Cover
This is for both Normal and Caesarean Deliveries in Government Facilities, Faith-based and Low cost Private Health Providers. These are offered at Contract A and B Hospitals.

2. Family Planning – Tubal Ligation

Members have an option to access a Family Planning method especially Tubal Ligation as part of the benefit but only during the period a member or dependant is admitted under the maternity package.

3. Dialysis and Surgical Transplant Package
Currently, NHIF members get treatment in FIVE referral hospitals offering dialysis, namely, Kenyatta National Hospital, Moi Teaching and Referral Hospital, Nakuru Provincial General Hospital, Jaramogi Oginga Odinga Provincial Hospital and Coast General Hospital. NHIF is also working on a cost sharing system with the member for surgical transplants.

4. Drugs and Substance Abuse Rehabilitation Cover
A basic package cover for reimbursing care on Drugs and Substance Abuse Management (Detoxification and Rehabilitation) is available for members at Mathare hospital.

PAYMENT MODE
• Mpesa for self Employed person (attached is the brochure)
• Banks NBK, KCB and Cooperative Bank for Self Employed
and Employers/Organ

Visit their website nhif.or.ke for more information

One more reason why President Obama loves Kenya

“Some of my critics back home might be suggesting I’m back here to look for my birth certificate; that is not the case,” Obama said jokingly when addressing the press after bilateral talks with President Uhuru Kenyatta at State House Nairobi.

President Obama who had earlier said that his Kenyan visit is personal for him and that’s why his name is Barack Hussein Obama clearly loves being in Kenya. Apart from the warmth and spirit of the Kenyan people, National Hospital Insurance Fund is also one of the things to love about Kenya.

National Hospital Insurance Fund is a State Corporation that was established through an act of parliament in 1966 under the Ministry of Health.

Its core mandate is to:

• Register members
• Collect contributions
• Pay benefits to declared Hospitals
• Declare Hospitals for purposes of NHIF

Check out the list below on why you need access to NHIF
1. Comprehensive Maternity Cover
This is for both Normal and Caesarean Deliveries in Government Facilities, Faith-based and Low cost Private Health Providers. These are offered at Contract A and B Hospitals.

2. Family Planning – Tubal Ligation

Members have an option to access a Family Planning method especially Tubal Ligation as part of the benefit but only during the period a member or dependant is admitted under the maternity package.

3. Dialysis and Surgical Transplant Package
Currently, NHIF members get treatment in FIVE referral hospitals offering dialysis, namely, Kenyatta National Hospital, Moi Teaching and Referral Hospital, Nakuru Provincial General Hospital, Jaramogi Oginga Odinga Provincial Hospital and Coast General Hospital. NHIF is also working on a cost sharing system with the member for surgical transplants.

4. Drugs and Substance Abuse Rehabilitation Cover
A basic package cover for reimbursing care on Drugs and Substance Abuse Management (Detoxification and Rehabilitation) is available for members at Mathare hospital.

PAYMENT MODE
• Mpesa for self Employed person (attached is the brochure)
• Banks NBK, KCB and Cooperative Bank for Self Employed
and Employers/Organ

Visit their website nhif.or.ke for more information

We are also very passionate about family, ask President Obama

US President Barack Obama dined with his close and extended family Friday night at a city hotel and Kenyans couldn’t help but marvel at the strong bond Obama seems to have with his half sister Auma.

From the warm embrace she received upon his arrival at JKIA to their constant chatter filled with laughter at the dinner table, it is apparent that the US President appreciates and loves his family.

He is not the only one who does, NHIF also cares for your families and that’s why they have made it possible for you to get access to a medical insurance cover that caters for you, your spouse and children.

Well, how do you go about it? Below is a list

Adding of spouse
Fill in an amendment Form (NHIF 26 ) and attach copies of I.D for Member and the Spouse together with coloured passport size photograph of the spouse.

Adding Dependants
Fill NHIF 26 Form and attach copies of Birth Certificate for all children or Birth Notification for child(ren) below Six (6) months and Adoption Certificate where applicable.

Change of Spouse
Fill in NHIF 26 Form and attach; –

• copies of I.D for Member and Spouse AND

• Marriage Certificate/Affidavit from a Commissioner of Oath OR

• Death Certificate/Divorce Certificate

Renewal of Membership

a). After Retirement or Job Loss

• Fill in NHIF 26 form requesting for change of employment status

from employed to self-employed

• Pay at least three (3) months’ prepayment Kshs 480

b). On Job Resumption

• Fill in NHIF 26 Form requesting for change of employment status from non/self-employed to employed

• Submit amendment form to the nearest NHIF office

C) On default

NHIF management has extended amnesty to previous contributors who have defaulted in remitting regular contributions.

• Self-employed members who have defaulted for up to 12

N.B For this to apply, the member has 5 days from the date of paying the late contribution to complete payment of penalties.

• Self-employed members who have defaulted for over 12 months shall be required to start a fresh. They will not have the option of paying penalties in order to access benefits immediately. This member will be restricted from accessing the benefits for sixty (60) days.

Visit our website nhif.or.ke for more information

So you consider yourself the ‘real hustler’; have you done this?

The urban dictionary defines hustle as the way one lives his life. Going out on the streets or wherever to make money and working hard for it. A hustler is not lazy, he’s consistently out earning money. He gets the money by using his smarts and out cunning everyone out there. A hustler has ambition, he is mature and has a more serious approach to life then that of a gangster or a pimp. It can apply to any race, and its the way you uphold and carry yourself.

National Health Insurance Fund has got all the hustlers covered with their NHIF ya ma…hustler which is a medical cover targeting the informal sector. Its membership is a voluntary for self-employed persons, retirees and organized groups. Whether you are a mama mboga, juacali artisan, bodaboda rider, fisherman or hair dresser all you need is Sh500 per month only to enjoy immense benefits from NHIF.
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Ensure that you are always available to go on with your hustle without spending all your money on medical fees when you can be secure with an affordable health insurance. Imagine enjoying all these benefits at such an affordable rate? You cannot get this anywhere else other than from NHIF.

Comprehensive Family Based Cover

NHIF offers a comprehensive inpatient cover to its Members. This means that the beneficiaries will walk in and out of any hospital under
Contract A and B without paying for medical or maternity cases.

The benefits package comprises:-
• Consultation
• Investigations
• Drugs administration & dispensing
• X-rays & radiological services
• Bed charges
• Occupational & physiotherapy services
• Nursing care
• Delivery both normal & cesarean
• Family planning

Please note that it does not apply to surgical cases in Hospitals under Contract B where members do co-pay.

Read all about the benefits of joining NHIF ya …mahustler on their website.

Most important places to take note of in Kenya

A healthy nation will always equal a productive Kenya and with being healthy comes having accessible medical care. Imagine living in Nairobi and travelling to Marsabit without any worry about your health because you know you have an insurance cover that cares and is easily accessible.

With National Health Insurance Fund (NHIF), you do not need to worry about reach as long as you are a member, they have ensured the widest reach to almost every county in the country.

The list below provides the different medical facilities with NHIF branches accessible in different cities. The comprehensive list also states the name of the building to find an NHIF health care provider as well as a working phone number to make any enquiries.

Whether in rural or urban Kenya these must be the most important buildings to take note of in Kenya

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For more information, visit their website.

The Family Planning Dilemma Solved With These Simple Steps

Family planning is of utmost importance to any woman whether in the formal or informal sector. Research shows that at least every female will try 5 different contraceptives before settling on one that works for them.

The disadvantages of settling on a wrong family planning method on a woman’s body include;
– Weight gain
– Acne
– Excessive menstrual pain
– Oestrogen sensitivity
– Short-term side effects such as nausea and headaches

Women will tend to do some bits of trial and error from the nearest chemist because something worked for someone they know. These are the dangers of self-diagnosing. The trick with any contraceptive is to always consult your doctor before going on the pill so they can find the right one for you! You need not self-diagnose if you are covered by state parastatal National Hospital Insurance Fund (NHIF).

NHIF.workers.outside.the.building (1)

The NHIF outpatient cover ensures members have access to Family Planning among other benefits. The men can also have a vasectomy option to share in the burden of family planning which is very affordable and easily accessible. So how do you join NHIF and what are the different membership options for you?

Membership is categorized into the following;-

1). Formal Sector Membership – This is a statutory membership for all employed persons. The employer deducts NHIF contributions from the income of all employees and remits the same to NHIF together with a payroll by-product.

2). Informal Sector Membership – This is a voluntary membership for self-employed persons and organized groups, e.g. Jua kali artisans, small business operators, small

So how do you obtain the NHIF membership form to access their outpatient cover?

– One can download member registration form from the NHIF website ( www.nhif.or.ke)

– List of Accredited facilities are also available from NHIF website.

-Visit the accredited facility that you wish to get the health services from and drop off the form at the health care facility.

Visit their website for up-to-date information on all your insurance related queries.

NHIF to deduct higher rates up to Sh1,700 from April 1

Formal sector employees will begin paying higher NHIF fees, ranging between Sh150 and Sh1,700 per month, on April 1. The new rates, arrived “in consultation with the Cabinet Secretary for Health”, were gazetted on Friday last week. They have been revised as follows:

Gross income (Sh) Proposed premiums

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
60,000-69,000 1,300
70,000-79,999 1,400
80,000-89,000 1,500
90,000-99,000 1,600
100,000 and above 1,700

Self employed 500

Deputy President William Ruto said the revised rates will see contributions increase from Sh3.7milion to Sh25million in five years. “The array of services available under NHIF will increase – including outpatient and inpatient treatment – as contributions will rise,” he said at a Federation of Kenya Employers luncheon.

FKE has in the past opposed the new rates, citing concerns such as NHIF governance and lack of clarity on how the new figures were set. The workers union also questioned the fund’s capacity to cater to enhanced benefits amid inefficiencies at service points. FKE further asked for clarity on whether employers who provide private medical insurance for staff at their own costs will be subject to the new rates.

The federation added that the employers have not factored the higher rates into their budgets. The rates have increased from a range of between Sh30 and Sh320 for pensioners, and Sh160 for the self-employed.