How to pay NHIF

Every member who is registered with NHIF whether self-employed or employed is required by law to pay its contributions.

If you are self-employed, your monthly contribution is Ksh 500 while for an employee the amount ranges from Ksh 150 to Ksh 1700 which is determined by your monthly gross salary.

To know how much you ought to pay, view a graduated salary scale from this article.

Below are three different ways you can use to pay NHIF contributions for self-employed persons;

  1. Pay through NHIF paybill number 200222. Enter your ID number as your account number
  2. Pay through banks like Cooperative Bank, Kenya Commercial bank (KCB), National Bank (NBK), and Equity bank. Your membership number will be the account number in this case.
  3. Redeem your safaricom bonga points, by dialing *126# , select Lipa na bonga points option and enter 200222 as the NHIF paybill number and your ID number as the account number.

For employees, their employer remits the deductions to NHIF on behalf of the employees.

The process of payment for an employer is the same as for self-employed persons above but the difference is that a byproduct number is used as the account number instead of ID number .

To learn how to generate a byproduct number, read the employer blog post.

How to pay NHIF via mpesa

  1. Go to M-pesa menu
  2. Select Lipa na M-pesa  
  3. NHIF Paybill number :200222
  4. Account number: Your ID No
  5. Amount: No of months * 500

How to pay NHIF penalty via mpesa

  1. Go to M-pesa menu
  2. Select Lipa na M-pesa  
  3. NHIF Paybill number:200222
  4. Account number: Your IDNoY  e.g. 24557698Y (make sure you include the Y after the ID No.  Don’t put a space between the ID no and Y)
  5. Amount: No of months * 250
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Be keen while paying for contributions and penalties. Don’t total them up and pay them as one payment.

If you pay them as one,your account will remain inactive and you will have to visit your nearest NHIF branch for the accountant to correct the error.

How to pay contributions and penalties via bank account

You can make your payments in either of these banks: KCB ,Cooperative or National Bank.

You ought to know your membership Number as opposed to your ID Number as banks use this to credit your account.

If you’re paying both contributions and penalties, inform the bank teller so that he or she can credit the appropriate account.

How much will I be charged to pay NHIF via mpesa?

Below are the M-pesa transaction charges that you will be charged when paying for contributions and penalties.



Mpesa Charges












































NHIF payment deadline

Payments are due on the 9th of every month failure to which you will incur a penalty.

It is compulsory for all employees to pay contributions by having their employers deduct from the salaries and remitting that amount by the 9th of the following month.

For self-employed persons, ensure you pay your monthly payments by the 1st of every month or else you will not be able to access treatment services.

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What happens if you don’t pay NHIF for one year?

If you don’t pay for more than year, you will be treated like a new member where you have to pay Ksh 1500 and your card will become active 60 days after payment. Therefore you can only access treatment services after 2 months.

Can you pay NHIF for the whole year?

It is possible to pay your contributions for a maximum of 12 months which equals to Ksh 6,000.

If you want to pay for more than a year, you have to break it into more than one transaction as the insurance system only allows a maximum of Ksh 6,000 per single transaction.

Alternatively you can pay your contributions in installments of 500 shillings.

How do I know if my NHIF is active online?

You can check if your account is active by logging in to the nhif portal.

Once your enter your ID number, a one-time password will be sent to your registered mobile number.

Verify the OTP and click the dashboard menu.

The status of your account will show as either current or not current and it will also show the status of your contributions.

How to make NHIF active immediately

If you have defaulted for less than a year, it is possible to make your account active immediately by paying the outstanding monthly contributions and the penalties due.

But if you have defaulted for more than a year, it is not possible as there is a mandatory waiting period of 60 days, from the day you activate your account.

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What are NHIF arrears?

Arrears are the outstanding monthly contributions that you have not remitted to the insurance.

To check how much you should pay for arrears, dial *155# on your phone and follow the prompts.

Alternatively you can check your arrears by downloading the insurance app from Google app store or visiting the NHIF portal.

How do I pay NHIF arrears via mpesa?

  1. Go to Mpesa paybill option
  2. Enter 200222 as the NHIF paybill number
  3. Input your ID number as the account number
  4. Enter the contribution amount i.e. Ksh 500 for every month defaulted
  5. Enter your Mpesa pin
  6. Click OK to send
  7. The contribution will be automatically updated in your account.

What happens when you don’t pay NHIF?

If an employer does not pay your contributions, he will be charged a hefty penalty of twice the amount of total contributions deducted from the employee’s salary.

Also his employees will not be eligible for treatment till all arrears are settled.

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