The cost of National Health Insurance Fund (NHIF) contributions in Kenya is not a fixed amount; it varies based on an individual's gross monthly income. Contributions are structured progressively, meaning those with higher incomes contribute more.
NHIF Contribution Rates for Employed Individuals
For employed individuals, the monthly premium is deducted based on their gross salary. The following table illustrates a portion of the contribution rates:
| Gross Income (Kshs) | Monthly Premium Amount (Kshs) |
|---|---|
| 40,000 – 44,999 | 1,000 |
| 45,000 – 49,999 | 1,100 |
| 50,000 – 59,999 | 1,200 |
| 60,000 – 69,999 | 1,300 |
- Understanding the Table: If your gross monthly income falls within a specific range, you are required to pay the corresponding premium amount. For example, if you earn Kshs 55,000 per month, your NHIF contribution would be Kshs 1,200.
- Progressive System: This tiered system ensures that contributions are proportionate to an individual's earning capacity, aligning with the goal of universal health coverage.
Who Pays NHIF Contributions?
NHIF contributions are mandatory for:
- Salaried Employees: Deductions are typically made by employers and remitted to NHIF.
- Self-Employed Individuals: They are required to make direct contributions to NHIF.
- Pensioners: Contributions may also apply depending on their pension income.
The specific rates for incomes below Kshs 40,000 and above Kshs 69,999 are also defined by NHIF, with the highest earners contributing Kshs 1,700 for incomes of Kshs 100,000 and above. For comprehensive details on all income brackets and contribution types, it is advisable to consult the official NHIF website or employer guidelines.
