Health Insurance For Public Institution Employees

NHIF provides affordable and accessible health services to employees in various institutions. According to the NHIF Act, All employers and employees in the public sector are compulsory obliged to register themselves and not more than five (5) of their respective legal dependants.

A public institution is the one which is owned and controlled by the state.

Registration Process

An employee in the public sector wishingto register to the National Health Insurance Fund should do the following:

  • He /she should fill the membership registration form that he/she will be given by their employer
  • He/she should submit a colored passport size photo for him/herself, spouse and dependants.
  • He/she should submit their check numbers

Contribution Arrangements

Members from the public sector are obliged to contribute to the Fund a total of 6% of their monthly basic salary which is equally shared between employer and employee.

That is, 3% of the employee’s monthly salary and the remaining 3% of the same amount is contributed by the employer.

Contributions shall be remitted not later than 30 days from the month in question contrary to which the employee(s) shall be regarded as inactive and may not receive health benefits.

Cessation of Membership

An employee in the public sector will cease membership in the following circumstances:

  • Death of an employee
  • Termination from employment
  • Retirement from employment**
  • Dismissal from employment
  • Any other act that may terminate the employment of a member.
  • However, a person who was a beneficiary of the Fund shall be entitled to the benefits package for a period of three months after the occurrence of any of the above circumstances.
** Members who retire voluntarily at 55 or on compulsory basis at age 60 shall be entitled to the retiree benefit scheme after fulfillment of the set conditions