How to Pay NHIF Through MPesa

NHIF Payment Through M-Pesa

Our country is slowly but surely turning digital. Voluntary and the self employed contributors can be able to pay for their NHIF contributions through M-Pesa – Kenya's innovation mobile money transfer technology. This can be done in a very short time and it is much better than going to queue on any NHIF office.

For those wishing to make payment for their employees, they should use the By-product Option option for Company. You can get more information here.

NHIF Building

NHIF Building
NHIF Building | Source

National Hospital Insurance Fund

NHIF stands for National Hospital Insurance Fund which is actually a Government parastatal that was established in 1966 as a department under the Ministry of Health.

NHIF caters for the health care needs of Kenyans by giving them a medical insurance cover enabling them get affordable treatment when in need. Though they have a long way to go, there are some notable improvements towards realizing the goal of offering comprehensive medical cover to all Kenyans.


M-Pesa, an efficient mobile money transfer method
M-Pesa, an efficient mobile money transfer method | Source

How to Make Your NHIF Contributions Via M-Pesa

These are the procedures to follow to make your monthly contributions to NHIF through M-Pesa. Make sure your mobile phone is M-Pesa enabled and you have loaded it with the amount you want to send plus of course the transaction charge. The contributions for the voluntary and self employed is at the moment Kshs 500 per month. You are the one to determine for how many months you want to pay.

NHIF Business Number or Pay Bill Number

  1. On your mobile phone, go to the M-Pesa menu and select the Payment Services option
  2. Select the Pay Bill option
  3. Enter Business Number which is 200222
  4. Enter Account Number – this is the contributor’s National Identity Card Number
  5. Enter amount you wish to send and press okay
  6. Enter your M-Pesa pin
  7. Confirm if the details are correct then press okay
  8. After successful submission, you will receive a confirmation SMS from M-Pesa.

The Transaction Charges for NHIF are as Follows:

Min. Amount (Ksh)
Max. Amount (Ksh)
Charge (Ksh)
Mpesa Transaction Charges for Voluntary Contributors & the Self Employed

Checking your account status using the mobile

It is possible and very easy to check your account status via your mobile phone:

  • Compose a new sms
  • Type the letters "ID", a space, then your
    ID number (or passport number if applicable) e.g ID 12345678
  • Send to 21101

Note: It is good to send the message during working hours. You will be charged Kshs 10 for using this service.

Which method do you use to make your NHIF contributions?

  • Queuing
See results without voting

© 2013 Patrick Kamau

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Comments 49 comments

Meshack Mwangi 6 days ago

Since I was sacked on October 2012 I have never paid the monthly payments what can I do to catchup with the same

Abel 2 months ago

i ve been a constant self contributer for NHIF...what happens when i get empoyed who begins to remit my subcription

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Patkay 10 months ago from Nairobi, Kenya Author

Yes @samuel Self employed is 500. Sorry for that, i am just a blogger and I forgot to update that. For your problem, you can visit your branch and see if they will help you.

samuel 10 months ago

HI nhif please update ur data i.e..self employed contribution is it ksh 160 or 500.

What is wrong with Naivasha branch ,I have enrolled my mum since last year 2015 August but up to now I haven't gotten the card what is wrong ?

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Patkay 14 months ago from Nairobi, Kenya Author

isaac, I am not sure for how long, the best thing is you keep on checking with their offices.

isaac 15 months ago

ave been paying it for six months bt avnt received my card,and the last time i visited the offices i was told to wait for a call or sms,my question is how long does the card take to be produced to members??

william odhiambo 16 months ago

Just preparing to register my parents.thank you nhif.

pJohn 17 months ago


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Patkay 18 months ago from Nairobi, Kenya Author

@Stevo yes they had been enacted but then later I heard that the court had stopped the process. So at the moment we can only wait.

Stevo 18 months ago

Am not sure whether the revised n.h.i.f funds has been enacted or not yet?

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Patkay 19 months ago from Nairobi, Kenya Author

STEPHEN consult NHIF or Huduma center to have your question answered.

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Patkay 19 months ago from Nairobi, Kenya Author

@Mandy tough questions. I am a blogger and I do not want to assume I know it all. The best thing is for you to visit NHIF or any Huduma center. They will answer your questions. For the second question, the company should notify NHIF.

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Patkay 19 months ago from Nairobi, Kenya Author

You should check with NHIF but there is a way you start paying afresh to avoid the penalties though he will not be covered for 2 months. Just visit any Huduma center and they will clarify for you.

cheruiyot 20 months ago

Ave been paying the n.h.i.f payments for ma dad. who is unemployed but came to learn later that he mised a month n there are charges which has sum up to be a burden.. how can you assist me.. coz this is the 4th month and i don't have such kind of money.

Mandy 20 months ago

Hi, I have a few questions:

1. How do you change your NHIF status from employed to voluntary/self-employed?

2. When you leave a company, are they supposed to notify NHIF?

3. And also, if I have lost my NHIF card, how can I get it replaced? Is there any charge for this?



STEPHEN 20 months ago

can i apply for nhif and get the card immediately and use it now, or how long does it take the card to mature after application?

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Patkay 20 months ago from Nairobi, Kenya Author

@Regina Mwanthi for this you can contact NHIF and this can be solved in any Huduma center.

Regina Mwanthi 20 months ago


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Patkay 22 months ago from Nairobi, Kenya Author

KLN you can get a receipt from NHIF offices or from any Huduma Center.

KLN 22 months ago

If I pay full year contribution through M pesa, how do I get certificate receipt.

mary Rubia 23 months ago

Thanks nhif. U really plays a great role in our lives.

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Patkay 24 months ago from Nairobi, Kenya Author

Thanks Nyamache for this new information about the number for checking one's status.

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Patkay 2 years ago from Nairobi, Kenya Author

@B. Athman for a company you do not use the Mpesa option. There is an option for a company.

B. Athman 2 years ago

What if it's a company paying for employees. What happens to the account part where u have to fill in your ID no.

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Nyamache 2 years ago from Kenya

The technology has made it easy to make payments; we could have really wasted a lot of time queuing in banks to make payments. The number for checking your account status using the mobile changed from 6443 to 21101.

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Patkay 2 years ago from Nairobi, Kenya Author

I agree with you Suba. They have even made it messy such that you do not get replies from NHIF.

Suba 2 years ago

the M-Pesa payment system is very easy and convenient. However, the almost monopoly it enjoys make it charge us expensively. Let us wait for a new entrance at least to compete with M-Pesa. This will make them lower their charges, which is a burden to the ordinary person.

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Patkay 2 years ago from Nairobi, Kenya Author

Yes @enock nyandiko they have made payment system much easier

enock nyandiko 2 years ago

Mpesa is the digital way for human to embrace, i used it over the holiday and i love it. kudos safcom

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Patkay 2 years ago from Nairobi, Kenya Author

Earlier on the system used to be good but now days there are issues with their system.

CHRIS 2 years ago

It is agood idea but once you pay i takes more than one week to get response from the org. I have been forced to go to office personally to have the cash reflected in the card.

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Patkay 2 years ago from Nairobi, Kenya Author

jane newton - You should contact NHIF

jane newton 2 years ago

what's happen if i have lost my nhif card?

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Patkay 2 years ago from Nairobi, Kenya Author

Thanks Steve Maingi

Steve Maingi 2 years ago

waoh this is digital indeed ..bigups Patoh

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Patkay 3 years ago from Nairobi, Kenya Author

Thanks pauline for reading and commenting. I totally agree with you.

pauline 3 years ago

It is dully easy to do it. Saves a lot of time and energy. Also enjoyable. Thank you Growing Kenya.

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Patkay 3 years ago from Nairobi, Kenya Author

It true Justus. It is because we are now in the digital era. Thanks for reading and commenting.

Justus 3 years ago

This time NHIF registration is very fast compared to previous years.keep it up. Justus

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Patkay 3 years ago from Nairobi, Kenya Author

Thanks Jesca nice for commenting. Yes I agree with you that now you can save a lot of time and this is what we need in our country, total digitization of services.

Jesca nice 3 years ago

This has saved lots of my time I had to dodge frm Job que for quite sometime b4 am served. kudos to the one who introduced this

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Patkay 3 years ago from Nairobi, Kenya Author

EMILY, I am not sure of this but you can contact NHIF offices for a clarification.

EMILY 3 years ago

when i pay by mpesa, does it reflect immediately in your systems?

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Patkay 3 years ago from Nairobi, Kenya Author

Thanks lucy patrick, it is surely a great method of submiting your dues.

lucy patrick 3 years ago

I used the M-pesa method and it was great idea

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Patkay 3 years ago from Nairobi, Kenya Author

Jossy, making use of M-Pesa saves the self employed or voluntary ones a lot of time. We hope they will keep on improving the system to accommodate even those who are employed. Thanks for reading and commenting.

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josiejossy 3 years ago from Nairobi Kenya

Waoh..grt hub though its abit unfortunate for those employed since they have to go to their offices before due date and make the payments...

N do i send with an extra cash for withdrwal or its jst the actl amount...thnx for sharing..

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Patkay 3 years ago from Nairobi, Kenya Author

lucy patrick, make use of M-Pesa and you will save your self a lot of time wasting.

lucy patrick 3 years ago

hi! and the way i used to travel all the way to make payment. good hub

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    Patrick Kamau (Patkay)209 Followers
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    Patrick is a dedicated technology writer wishing to make the world better by informing those people seeking for more knowledge.

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