A Step-by-Step Guide On How To Pay NHIF Via MPESA

In today\’s fast-paced world, where convenience and efficiency are paramount, the digital revolution has permeated nearly every aspect of our lives, including healthcare services.

Gone are the days when settling medical bills involved long queues and arduous paperwork. Now, with the advent of mobile money services like M-Pesa, the process of paying for healthcare has become incredibly streamlined and accessible.

In this blog post, we will guide you through the simple steps of paying your National Hospital Insurance Fund (NHIF) contributions using M-Pesa, Kenya\’s widely used mobile money platform. Whether you\’re an NHIF member or simply interested in exploring a convenient payment method for healthcare, we\’ll provide you with all the information you need to effortlessly navigate this process.

What is National Hospital Insurance Fund (NHIF)?

NHIF stands for the National Hospital Insurance Fund. It is a government agency in Kenya that provides health insurance coverage to Kenyan citizens and eligible residents. NHIF\’s primary goal is to ensure that all Kenyans have access to quality and affordable healthcare services. It operates as a social health insurance scheme, where members contribute a monthly premium to the fund, which in turn covers a range of medical expenses, including hospitalization, outpatient care, maternity services, and specialized treatments.

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NHIF plays a crucial role in Kenya\’s healthcare system by pooling resources from its members and redistributing them to healthcare facilities and providers. This enables individuals to access medical services without incurring significant out-of-pocket expenses, making healthcare more affordable and accessible for all. NHIF membership is mandatory for formal sector employees, while informal sector workers and self-employed individuals have the option to voluntarily enroll.

As the digital landscape evolves, NHIF has adapted to offer various convenient payment methods, including M-Pesa, a widely used mobile money platform in Kenya. This integration has made it easier for members to pay their NHIF contributions promptly, ensuring continued access to comprehensive healthcare services.

Why is it important to pay your NHIF contribution?

Paying your NHIF contribution is essential for several reasons:

  • Access to Quality Healthcare: NHIF contributions enable you to access a wide range of healthcare services, including hospitalization, outpatient care, specialized treatments, and maternity services. By paying your contribution, you ensure that you and your dependents have financial coverage for these medical expenses, giving you peace of mind and protecting you from unexpected healthcare costs.
  • Affordable Healthcare: NHIF operates as a social health insurance scheme, pooling resources from its members to provide affordable healthcare services. Your regular contributions, along with those of other members, help create a collective fund that is used to cover the costs of medical services. By paying your NHIF contribution, you contribute to the sustainability of the fund and ensure that healthcare services remain affordable and accessible to all.
  • Financial Protection: Illnesses and medical emergencies can often result in significant financial burdens. By paying your NHIF contribution, you protect yourself and your family from high out-of-pocket expenses associated with medical treatment. NHIF coverage can help alleviate the financial strain and provide a safety net during challenging times.
  • Preventive Care: NHIF not only covers treatment for illnesses but also emphasizes preventive care. Regular check-ups, vaccinations, and screenings are crucial for early detection and prevention of diseases. By paying your NHIF contribution, you gain access to preventive healthcare services that can help maintain your well-being and detect potential health issues before they become more serious and costly to treat.
  • Social Solidarity: NHIF operates on the principle of social solidarity, where individuals come together to support one another\’s healthcare needs. By paying your contribution, you contribute to the overall healthcare system and help ensure that those who are less fortunate or facing financial difficulties can also access necessary medical services. Your contribution plays a vital role in fostering a sense of collective responsibility and promoting a more equitable healthcare system.
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How to pay your NHIF contribution via MPESA

Step 1: Open your M-PESA menu

  • Go to your M-PESA menu and select Lipa na M-PESA.
  • Choose Pay Bill.
  • Enter the NHIF paybill number: 200222.

Step 2: Enter your National ID number

  • Enter your National ID number as your account number.
  • This is the number that is used to identify you as an NHIF member.

Step 3: Enter the amount you want to pay

  • Enter the amount you want to pay for your NHIF contribution.
  • The minimum amount you can pay is KES 500 per month.

Step 4: Enter your M-PESA PIN

  • Enter your M-PESA PIN to confirm the payment.

Step 5: Receive a confirmation message

  • You will receive a confirmation message from M-PESA once your payment has been successful.


In conclusion, paying your NHIF contribution is not just a financial obligation but a crucial step towards securing your access to quality healthcare services. By fulfilling this responsibility, you contribute to a collective fund that supports the well-being of individuals and families across Kenya. NHIF coverage provides financial protection, making healthcare more affordable and accessible for all members.

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