NHIF M-Pesa Paybill Number: How to Pay for NHIF Penalties And Contributions via Mpesa

Learn how to conveniently pay NHIF penalties via MPesa and ensure your healthcare coverage remains uninterrupted

Oct 29, 2023 - 13:10
Oct 29, 2023 - 13:12
NHIF M-Pesa Paybill Number: How to Pay for NHIF Penalties And Contributions via Mpesa
NHIF M-Pesa Paybill Number: How to Pay for NHIF Penalties via Mpesa

Paying your NHIF contributions on time ensures continuous access to medical insurance coverage. Failing to make timely payments can lead to penalties and even the expiration of your policy. In this comprehensive guide, we will show you how to pay for NHIF contributions conveniently using M-Pesa, as well as how to handle penalties if you miss a payment. Let's dive in and ensure you take advantage of the benefits of NHIF.

NHIF and Its Mandate

NHIF operates under the NHIF Act No. 9 of 1998, transforming it from a department into a State Corporation. This transformation aimed to enhance the fund's effectiveness and efficiency in providing medical insurance coverage to all its members and their declared dependents, including spouses and children.

Membership with NHIF is open to all Kenyan citizens who have reached the age of 18. The fund boasts an extensive network, with 95 fully autonomous branches, satellite offices, and a presence in 47 Huduma Centers nationwide, ensuring comprehensive customer service accessibility.

NHIF Contributions

The National Health Insurance Fund (NHIF) is a vital medical insurance scheme in Kenya administered by the government. To maintain your insurance coverage, NHIF members must make monthly contributions before the 9th day of the following month. NHIF offers three primary payment methods:

  1. M-Pesa
  2. Bank deposits
  3. Safaricom Bonga points

Among these options, M-Pesa is the most convenient and widely used method for paying NHIF contributions.

How to Pay NHIF Contributions via M-Pesa

If you're an NHIF member and want to use M-Pesa for your monthly contributions, follow these simple steps:

  1. Open the M-Pesa menu on your mobile device: Dial *384# and click "Lipa Na M-Pesa" to access various M-Pesa services.

  2. Select "NHIF" from the menu. Choose the "Pay Bill" option to proceed.

  3. Enter the NHIF Pay Bill number: The NHIF Pay Bill number is 200222. This is the number you'll use to make payments to NHIF.

  4. Enter your NHIF number as the account number: Your Kenyan national identification number serves as your NHIF account number. Ensure accuracy to ensure your payment is credited correctly.

  5. Enter the payment amount: NHIF contribution amounts may change, so always check the current rate with Safaricom and NHIF. Verify the dose to avoid underpayment penalties.

  6. Confirm your details and enter your M-Pesa PIN. Verify your national ID number and payment amount. Authorize the transaction by entering your M-Pesa PIN.

Please note that fees may be associated with making NHIF M-Pesa payments, so be aware of any additional charges.

Handling NHIF Penalties via M-Pesa

Missing NHIF payments can result in penalties of 50 percent of your monthly contribution. To pay NHIF penalties through M-Pesa, follow these steps:

  1. Open the M-Pesa menu on your phone: Dial *384# to access M-Pesa and select "Lipa Na M-Pesa."

  2. Enter the Pay Bill number: Input the NHIF Pay Bill number, 200222.

  3. Enter your account number: Append the letter "Y" to your national ID number to signify a penalty payment. For example, if your ID is 12345678, enter it as 12345678Y.

  4. Enter the penalty amount: Calculate the penalty based on the number of missed months. For example, if you missed three months, the sentence would be 50 percent of your monthly contribution multiplied by 3.

  5. Confirm your payment: Enter your M-Pesa PIN to confirm the penalty payment.

With these simple steps, you can settle your NHIF penalties through M-Pesa, ensuring your insurance coverage remains active.

Registering for NHIF Medical Insurance

NHIF medical insurance is available to Kenyan citizens and residents with valid work permits. Here's how to register:

  1. Determine your eligibility: Ensure you meet the eligibility criteria, including age and citizenship.

  2. Gather necessary documents: Collect personal and identification documents, such as your national ID, passport, birth certificate, and proof of residence.

  3. Choose a plan: Select an NHIF plan that suits your needs and budget, considering coverage levels and benefits.

  4. Please submit your application: You can apply online, by phone, or in person at an NHIF office, providing all required documents.

  5. Pay your premiums: Once approved, pay your premiums through various methods, including M-Pesa, for coverage activation.

  6. Register your dependents: If you have dependents, register them separately and update their information as needed.

  7. Obtain your NHIF card: After registration, you will receive an NHIF card, serving as proof of coverage.

Advantages of Paying NHIF Contributions Through M-Pesa

Paying NHIF contributions via M-Pesa offers several benefits:

  1. Convenience: M-Pesa allows you to pay from anywhere at any time, making it convenient for those without access to banks or NHIF offices.

  2. Easy record-keeping: M-Pesa automatically records payments, simplifying tracking and ensuring up-to-date coverage.

  3. Cost savings: M-Pesa payments are cost-effective, eliminating the need for travel and additional fees.

  4. Security of payments: M-Pesa employs advanced security measures to protect users from fraud and identity theft.

  5. Ease of use: The M-Pesa process is straightforward, even for those unfamiliar with mobile banking.

Checking Your NHIF Account Status

Regularly checking your NHIF account status ensures your payments are up to date and you can access services without issues. You can check your account status via SMS, online, or through the NHIF Selfcare Platform.

Via SMS:

Send a text message in the format "ID [space] Your National Identification Number" (e.g., "ID 12345678") to 1550.

Via Online Self-care:

  1. Visit www.nhif.or.ke and access the self-service portal.
  2. Register or log in using your card, email, and phone number.
  3. Check your account status online.

NHIF strives to provide efficient service delivery to all members and dependents. Employers can also submit NHIF Byproduct payments online, simplifying the process and reducing errors.

Contacting NHIF

If you have any inquiries or issues related to NHIF, you can visit their offices, call their helpline, or email them. Here are their contact details:

READ ALSO: How to Apply for TSC Number and Certificate Online and the Requirements


Paying NHIF contributions and penalties via MPesa is a straightforward and convenient process. It ensures you remain covered by NHIF and can access medical services when needed. Remember to keep your contributions current to avoid penalties and enjoy uninterrupted healthcare coverage. NHIF's commitment to accessible healthcare for all Kenyans significantly impacts the nation's well-being.

sledge.co.ke Sledge.co.ke stands proudly as a preeminent Publication Blog in Kenya, dedicated to delivering an unparalleled wealth of informative content across a multitude of subjects that resonate with both the Kenyan audience and the global community at large. Our unwavering commitment to quality and accuracy has made us a trusted resource for readers not only in Kenya but also in the United States and South Africa.