NHIF is Kenya’s largest, most affordable and trusted medical insurance coverage. It has incredible covers starting from just Sh500 monthly for principal members and beneficiaries. Here are the various benefits that NHIF members have access to.
Inpatient benefit package
This cover is available to all NHIF members and their dependents. The package includes the following;
-General and specialist consultation fee
-Prescription and dressings
-Operating theatre charges
-Diagnostic laboratory and radiology investigations
– Nursing care
-Bed charges Procedure and treatment
Outpatient benefit package
This cover is available to all eligible NHIF members and their dependents. This includes;
– Medicine and dispensation
-Laboratory and radiology investigations (including x-ray and ultrasounds)
-Consultation Day-care procedures
-Behavioral health services
-Anti-snake venom and anti-rabies
-Post-natal and antenatal care
Maternity benefit package
This package covers pregnancy-related health services. They include; aftercare for both mother and newborn, delivery through a cesarean section or normal delivery, and facilitation of labor. You however have to check with your health care provider to see what NHIF will cover or not for your case.
Renal dialysis package
The benefits including
-Routine laboratory tests
-Dispensed and intra-care medications
– Specialist review
This package includes the treatment of cancer patients using immunotherapy, chemotherapy, brachytherapy, radiotherapy and pet scans
The package includes diagnostic imaging services for CT Scans and MRIs. Note that ultrasounds and x-rays are covered under outpatient and inpatient packages.
So whether you’re on payroll or self-employed, you can make a monthly contribution to NHIF in three ways.
If you are employed, your employer will check off the amount of money you are supposed to pay from your salary and remit it to NHIF.
There are several times however that you may find yourself being denied treatment at a hospital because your NHIF account is in arrears yet you have been paying monthly.
To prevent this from happening, you need to check from time to time if your records are up to date. So how do you check your NHIF status?
Generally, there are three ways you can check your NHIF status. For instance, you can visit one of the NHIF offices in Nairobi and have an attendant provide you with all the details you need. Fortunately, this is no longer trending. Kenyans can now check their NHIF contribution status via their phones, thanks to modern technology.
How to Check Your NHIF Status Online Via Web
The NHIF has an official website to access information regarding its services and operations. Nowadays, you can check your NHIF account status online using the NHIF self-care website (www.nhif.or.ke) to save yourself the hassle of standing in line at one of the NHIF offices. Here is a step-by-step procedure on how to do it:
- Visit the official NHIF online portal.
- Sign up to gain access to the self-service portal. If it’s your first time visiting the website, you’ll be required to register an account to access the services. Alternatively, if you already have a registered account with NHIF, you can sign in to your account,
- If you’re registering for the first time, you’ll be required to input your NHIF card number, email address, and working phone number in case they need to contact you. Once you’ve submitted your details, you’ll receive an SMS on your phone with a One-Time Password (OTP). The password is valid for 24 hours only.
- Create a password. Using the OTP, you can create the password that you’ll use to access the NHIF self-service portal. The password should be easy to remember but not so obvious that someone else can guess it. If you forget your password, you can easily reset it using your email address.
- Log in to the account and proceed to check your NHIF contribution status. You’ll be able to view your last contributions, the months you’ve defaulted, and your activation.
- Log out. After you’ve finished checking your NHIF contribution status, you need to log out. Leaving your account without logging out exposes your biodata to hackers.
How to Check Your NHIF Status Via SMS
Mobile phones are electronic devices that have taken centre stage in the lives of many Kenyans. On top of accessing social media platforms and entertainment, you can also use your mobile phone and ID number to check your NHIF status. It is as simple as using a USSD code.
Here is a step-by-step guide on how to go about it:
- Go to your phone’s main menu and tap on the messaging icon
- Once the messaging application opens, compose a new SMS
- Type ID, add space, and then type your ID number or passport number in the message space. For instance, ID 46464646
- Send the message to 21101
- You will receive a message with information about your NHIF account status after a short while
The NHIF will send you a text message with your employer’s name and the last time you made your monthly payment. While this service is simple and effective, it will cost you Ksh.10 in airtime as a service charge. It works for Safaricom and Airtel customers.
How to check your NHIF status via email
An alternative way of checking your NHIF status is by emailing email@example.com. However, this service usually takes a while since it requires a human correspond to check your details and email them back. After a few hours or days, you’ll receive a statement in PDF form bearing your NHIF status.