Registering for NHIF: A Simple Guide

What is NHIF?

The National Hospital Insurance Fund (NHIF) is a government-backed health insurance scheme in Kenya that helps cover a portion of hospital costs when you fall ill. It is designed to provide affordable access to essential health care for residents and reduce out-of-pocket spending.

Who should register?

NHIF is open to most residents who want to secure health coverage. This includes formal sector workers, informal sector and self-employed individuals, and dependants of NHIF members.

In the formal sector

If you work for a registered employer, you may be enrolled with NHIF through your employer. Employer contributions often cover part of your plan, with you covering the rest if applicable.

In the informal sector and self-employed

Self-employed and informal workers can register directly with NHIF to obtain coverage. Registration usually involves providing basic identification and contact details and choosing a contribution level.

Dependants and family members

NHIF membership can often cover dependants such as a spouse and children. Requirements to add dependants vary, but you''ll typically need their IDs or birth certificates and relevant consent.

How to register

There are two common ways to join NHIF:

Online

Visit the official NHIF portal, create a profile, enter your personal details, select a contribution tier, and submit any required identification. You may receive a confirmation and an NHIF number after successful registration.

In person

You can visit an NHIF branch or a Huduma center. Bring your identification documents and any employer details if applicable. Fill out the registration form and submit for processing.

What documents do you need?

Common documents include:

• Valid identification (National ID or passport)
• Full names, date of birth, and contact details
• For dependants: IDs or birth certificates
• Any employer or business details if registering through an employer

What happens after you register?

After registration, you will receive an NHIF membership number and guidance on monthly contributions. Your coverage begins according to the plan for which you registered, and you can use the NHIF network of approved facilities for services covered by your plan.

Tips for a smooth registration

• Use official NHIF channels (portal, branches, or Huduma centers)
• Have your ID and contact details ready
• Verify the information before submitting
• Keep your NHIF number or membership card safe