NHIF MPesa Payment - Everything You Must Know

December 29th, 2022 by Felix Cheruiyot


The National Health Insurance Fund (NHIF) is a government organization that provides medical insurance coverage to Kenyan citizens. If you're a resident of Kenya and you're looking to enroll in an NHIF medical insurance plan, you may be wondering how you can make payments using M-Pesa, a popular mobile money transfer service in the country. Making an NHIF payment via M-Pesa is a convenient and easy way to pay for your medical insurance in Kenya. In this article, we'll provide a comprehensive guide on how to make your NHIF MPesa payment, including how to make payments, what you'll need, and any fees or charges you may incur.

What is NHIF?

The National Health Insurance Fund (NHIF) is a critical component of the healthcare system in Kenya, providing medical insurance coverage to citizens across the country. Established in 1966, the organization has a long history of serving the people of Kenya and has played a pivotal role in improving access to healthcare for all.

One of the key benefits of NHIF is that it helps to reduce the financial burden of healthcare costs on individuals and families. Medical treatment can be expensive, and without insurance, many people may struggle to afford the care they need. NHIF helps to mitigate this risk by providing coverage for a wide range of medical services, including hospitalization, diagnostic tests, and prescription medications.

In addition to providing financial support, NHIF also plays an important role in improving the overall quality of healthcare in Kenya. The organization works with healthcare providers to ensure that the services it covers meet high standards of care and are provided in a timely and effective manner. NHIF also supports the training and development of healthcare professionals, helping to build a strong and capable workforce.

According to data from the organization, NHIF currently serves over 20 million members and has a network of over 4,000 healthcare providers across the country. The organization has also made significant progress in expanding its coverage, with enrollment increasing by more than 50% over the past decade.

Despite these achievements, NHIF faces a number of challenges. One major issue is the issue of sustainability, as the organization relies on contributions from members and the government to fund its operations. Another challenge is the need to improve access to healthcare in rural areas, where many people may not have access to NHIF-approved providers.

To address these issues, NHIF has implemented a number of initiatives, including the introduction of new payment methods such as M-Pesa and the expansion of its provider network. The organization has also worked to improve the efficiency of its operations, including the implementation of digital systems to streamline processes and reduce costs.

Overall, NHIF is a vital component of the healthcare system in Kenya, providing crucial support to millions of citizens and helping to improve access to high-quality care. Despite facing a number of challenges, the organization remains committed to serving the people of Kenya and working to build a healthier future for all.

Why is NHIF Important?

First things first, NHIF helps to reduce the financial burden of healthcare costs on individuals and families. You know how expensive medical treatment can be, right? It's like a whole other language with all those big words and even bigger bills. But with NHIF, you can rest easy knowing that a good chunk of those costs will be covered. They offer coverage for a wide range of medical services, including hospitalization, diagnostic tests, and prescription medications. Basically, if you're feeling under the weather and need to see a doctor, NHIF has got your back (and wallet).

In addition to financial support, NHIF is also committed to improving the overall quality of healthcare in Kenya. They work with healthcare providers to make sure the services they cover meet high standards of care and are provided in a timely and effective manner. Trust me, no one wants subpar healthcare, especially when it comes to serious illnesses or injuries. By partnering with NHIF, healthcare providers are held to a higher standard and are more likely to give you the care you deserve.

But NHIF doesn't just help patients, they also support the training and development of healthcare professionals. A strong and capable workforce is crucial for the healthcare system as a whole, and by investing in the education and development of healthcare professionals, NHIF is helping to build a brighter future for all.

And let's not forget about the coverage options. NHIF offers plans for individuals, families, and small businesses, so you can choose the one that best fits your needs and budget. No one-size-fits-all approach here.

All in all, NHIF is a vital resource for people in Kenya, and if you're able to get coverage through the organization. It may not be the most exciting topic in the world, but trust me, having access to quality healthcare is nothing to joke about.

How to Register for NHIF

If you're looking to register for the National Health Insurance Fund (NHIF) in Kenya, there are a few steps you'll need to follow to get started. Here's a detailed guide on how to register for NHIF:

Determine your eligibility

To register for NHIF, you must be a Kenyan citizen or a resident of Kenya with a valid work permit. You must also be at least 18 years old to register as an individual or head of household, or at least 16 years old if you are registering as a dependent.

Get the necessary documents

You'll also need to provide some personal and identification documents. This may include your national ID card, passport, birth certificate, or work permit, as well as proof of residence. You may also need to provide proof of income or employment, depending on the type of coverage you seek.

Choose a plan

NHIF offers a range of coverage options, including plans for individuals, families, and small businesses. Choose the plan that best meets your needs and budget. NHIF plans are designed to cover the basic needs of most individuals and families and can be customized to fit your lifestyle. You can also add coverage for dental, vision, and other services that may be important to you. When making a selection, consider the cost, coverage levels, and any other benefits that are included in the plan. Compare different plans to find one that offers the best combination of benefits and services for your family or business.

Submit your application

There are several ways to submit your NHIF registration application, including online, by phone, or in person at an NHIF office. If you are submitting your application online or by phone, you'll need to provide your personal and identification documents as well as your chosen plan and payment information. If you are submitting your application in person, you'll need to bring all of these documents with you to the NHIF office. It is important to bring the correct documents and ensure that all the information is correct, as incorrect or incomplete information can result in a delay in processing your application.

Pay your premiums

Once your application has been approved, you'll need to pay your premiums in order to activate your coverage. Premiums can be paid through a variety of methods, including cash, check, or bank transfer. You can also pay your premiums using M-Pesa, which is the most convenient way to pay.

Register your dependants

If you have any dependents who will be covered under your NHIF plan, you'll need to register them separately. You'll need to provide their personal and identification documents, as well as proof of your relationship with them. This information is essential for the NHIF to assess their eligibility for coverage. You'll also need to provide the NHIF with any changes in the dependent's circumstances such as marriage, divorce, or relocation. It's important to keep the NHIF updated with any changes so that your dependents continue to receive the coverage they need.

Obtain your NHIF card

Once you have completed the registration process, you'll receive an NHIF card in the mail. This card serves as your proof of coverage and should be carried with you at all times. It must be produced when visiting NHIF-accredited health facilities. The card also carries your details, making it easier for health workers to identify you and your coverage. If you need to change any of your personal details, you can do this at the NHIF offices. Healthcare facilities will not be able to change your details for you.

How to Make your NHIF MPesa Payment

If you're enrolled in the National Health Insurance Fund (NHIF) in Kenya and you want to make payments using M-Pesa, a popular mobile money transfer service, here's a step-by-step guide on how to do it:

  1. Dial *384# on your phone. This is the M-Pesa menu, and it will allow you to access various M-Pesa services and options.
  2. Select "NHIF" from the menu. This will bring up the NHIF payment options.
  3. Select "Pay Bill." This will allow you to make a payment to NHIF using M-Pesa.
  4. Enter your NHIF number as the account number. This will ensure that your payment is credited to your NHIF account.
  5. Enter the amount you want to pay. Be sure to double-check the amount before proceeding.
  6. Confirm the details and enter your M-Pesa PIN. This will complete the transaction and transfer the payment to your NHIF account.

It's worth noting that there may be fees or charges associated with making an NHIF M-Pesa payment. Safaricom, the company that provides M-Pesa, typically charges a small fee for M-Pesa transactions, and NHIF may also charge a processing fee for payments made through M-Pesa. Be sure to check with both Safaricom and NHIF for the most up-to-date fees and charges.

Advantages of NHIF MPesa Payments

Making your NHIF MPesa payment is as easy as anything you may have initially processed; maybe even easier.


M-Pesa allows you to make NHIF payments from anywhere at any time, as long as you have an internet connection and a mobile phone. This is particularly useful if you don't have access to a bank or if you don't have time to visit a bank or NHIF office in person.


M-Pesa automatically records all of your payments, so you don't have to worry about keeping track of receipts or losing important documents. This makes it easier for you to keep track of your NHIF payments and stay up to date with your coverage.


Making NHIF payments through M-Pesa is often more cost-effective than other payment methods, as it eliminates the need for you to travel to a bank or NHIF office and pay additional fees for services.


M-Pesa uses advanced security measures to protect your payments, so you don't have to worry about fraud or identity theft. It also uses advanced encryption technology to ensure the safety and privacy of your transactions. M-Pesa also has an integrated digital identity system, which verifies customers when they sign up, making it difficult for fraudsters to create fake accounts. Finally, the system is regularly audited and tested to ensure that all transactions are secure and any potential risks are identified and addressed promptly. This makes M-Pesa one of the most secure mobile payment systems available today.

Ease of use

M-Pesa is easy to use, even if you are not familiar with mobile banking. The process is straightforward and requires only a few simple steps. First, you have to register for an M-Pesa account. The process should take no more than five minutes and you will be asked to provide your personal information, such as your name, address, and phone number. Once registered, you can use the M-Pesa app to transfer money from your bank account to another account or to your M-Pesa balance. You can also receive money from other users and use the app to pay bills or buy things online.

Final Thoughts

Making an NHIF MPesa payment is not as complicated as many have made it seem in recent times. Quite frankly, the process might seem difficult from afar, considering the biggest health insurance platform in Kenya and one of the biggest mobile payment providers in Africa are involved. However, as we’ve highlighted in this article, making your NHIF payment on MPesa is very easy. Speaking of MPesa, payments, and bills, another platform that can help you settle those quickly is IntaSend. Bank-level security? Check; B2B payments? Check! IntaSend all the features you could ever wish for in your ideal payment provider. The payment platform ticks all the boxes, and grants you the convenience other Kenyan payment providers can’t give you.

Cover Photo by Martha Dominguez de Gouveia on Unsplash

© 2023 IntaSend. All rights reserved.