• Air Ambulance
  • Andrology
  • Bariatric Surgeon
  • Bone Marrow Transplant - BMT
  • Cardiac Surgeon
  • Cardiologist
  • cost
  • Dentist
  • Dermatologist
  • Doctor
  • Endocrinologist
  • ENT Surgeon
  • Gastroenterology
  • General Medicine
  • General Surgeon
  • Heart Transplant
  • Hematologist
  • Hepatology Specialist
  • Hospital
  • Hospitals
  • Infertility IVF Specialist
  • Internal Medicine
  • Kidney Transplant
  • Laparoscopic Surgeon
  • list
  • Liver Transplant
  • Medical Oncologist
  • Nephrologist
  • Neuro Surgeon
  • Neurology Specialist
  • Orthopedic Surgeon
  • Pancreas Transplant
  • Pediatric Cardiac Surgeon
  • Pediatric Cardiologist
  • Pediatric Endocrinologist
  • Pediatric Nephrologist
  • Pediatric Neurologist
  • Pediatric Oncologist
  • Pediatric Urologist
  • Pediatrician
  • Physiologist
  • Plastic Surgeon
  • Psychiatrists
  • Pulmonologist
  • Radiation Oncologist
  • Radiologist
  • Rheumatologist
  • Stem Cell
  • Surgical Oncologist
  • Urologist
  • Vascular Surgeon
  • Visa

NHIF Insurance for Overseas Treatment in India 2023

NHIF refers to the National Health Insurance Fund. NHIF is available for public health insurance with different programs and schemes worldwide. The primary goal of NHIF is to provide affordable, accessible, and comprehensive health insurance to citizens, allowing them to access necessary medical services and treatment without significant financial burden. Members pay regular contributions, and in return, they receive coverage for various medical expenses, including hospitalization, maternity care, outpatient services, and more. The NHIF is a crucial component of multiple countries’ healthcare systems, seeking to improve healthcare accessibility and affordability for the population. The specific services and benefits offered by NHIF can vary from one country to another. Let’s find out more about NHIF Insurance for Overseas Treatment in India.

The National Health Insurance Fund (NHIF) coverage varies from one country to another, as different countries have their own NHIF programs with specific benefit packages. Additionally, the extent of coverage may depend on the membership level or contributions, and some NHIF programs offer different tiers of coverage with varying benefits.

In the case of NHIF in Kenya, the coverage typically includes a wide range of medical services, such as hospitalization, outpatient care, maternity services, surgeries, and essential medications. However, the specific benefits and the extent of coverage can change over time as NHIF policies are updated.

NHIF insurance covers 30% of the total cost of health treatments like liver transplants, kidney transplants or bone marrow transplants. For example, for Sh11,500 ($76) for a standard room per night, the NHIF will cover Sh4,000 ($26) and the remaining cost the patient must pay.

NHIF Enhanced Scheme Coverage for Hospitals in India

NHIF Insurance for Overseas Treatment in India is available in reputed hospitals with high-standard medical treatments and advanced technologies at affordable cost. Kenya citizens travel to India for safe procedures with the help of NHIF. Eligible candidates must fulfil all the necessary documentation requirements, including visa, online registration, GOP letter, and approval letters from Kenya and India. NHIF Insurance for Overseas Treatment in India is acceptable in the following reputed hospitals:

  • India Hospitals For NHIF
  • Apollo Hospital
  • BLK Max Hospital
  • Fortis Hospital
  • Max Hospitals
  • Artemis Hospital
  • Sarvodaya Hospital
  • Medanta Hospital
  • Amrita Hospital
  • Manipal Hospital
  • Asian Institute of Medical Sciences Hospital
  • BGS Global Hospital
  • Aster CMI Hospital
  • Cytecare Hospita
  • HCG Cancer Hospital
  • Nanavati Hospital
  • S L Raheja Hospital
  • Jaslok Hospital
  • Kokilaben Dhirubhai Ambani Hospital
  • Global Hospital
  • Fortis Mulund

NHIF Cover Packages – NHIF Enhanced Scheme Benefits 2023

NHIF Comprehensive Cover for Outpatient Package

Outpatient Package, Facilities, Cost, Assistance
General Consultation
Laboratory and analysis (X-rays and ultrasounds)
Diagnostics and treatment of common diseases
Drugs & dispensation
Management of chronic diseases (HIV/AIDS, Asthma, Diabetes, Hypertension, cancer)
Healthcare counselling such as Screening for cancer
Anti snake venom and anti-rabies.
Physiotherapy services
Family planning, ante-natal, midwifery, and post-natal services
Physiotherapy Services
Referral for specialized services
Vaccines / Immunization as per KEPI schedule


NHIF Inpatient Benefit Package

Inpatient Facilities, Cost, Assistance
General Consultation
Daily Hospital Charges
Nursing Care
Fees of Physician, surgeon, physiotherapist, anesthetics
Operating room charges
Prescribed medications and dressings
Specialist consultations or Follow up
Prescribed diagnostic laboratory
other medically necessary services


NHIF Maternity Enhanced Scheme Benefits

Maternity Facilities, Cost, Assistance
Consultation and treatment for both mother and child
Childbirth through normal and caesarian section deliveries
Family planning assistance
Operating theatre costs
Prescribed medications and dressings
Expert consultations or visits
Prescribed diagnostic laboratory
other medically necessary

NHIF Benefit Packages for Overseas Treatments

Surgical Benefit Oncology Benefit Renal Dialysis Benefit Radiology Benefit
Pre-operative reviews Radiotherapy Specialists’ reviews CT-Scan
Operations Costs Brachytherapy Nursing and dialysis care MRI
Surgeon’s and Anaesthetist fees Chemotherapy Intra-care and dispensed medications
Nursing care Immunotherapy Nutrition
Bed charges Pet Scans Routine laboratory tests
Prescribed medication during hospital stays and discharge Other interventions as guided by the Ministry of Health (MoH) Counselling and follow up care

NHIF Coverage for Different Health Conditions in India 2023


NHIF Coverage for Bone Marrow Transplant Cost In India $30,080

NHIF covers the bone marrow transplant cost in Kenya, around KES 45,00,000, and the remaining cost the patient must pay. The bone marrow transplant cost will be based on different types. Bone marrow transplants are done after getting a matched donor to treat cancerous diseases such as SCD and leukaemia. Different types of Bone marrow transplant covered by NHIF includes:

  • NHIF Coverage for Autologous Bone Marrow Transplant Cost
  • NHIF Coverage for Allogeneic Bone Marrow Transplant Cost
  • NHIF Coverage for Umbilical cord Blood Transplant Cost
  • NHIF Coverage for Full Match Allogenic BMT Cost
  • NHIF Coverage for Half Match Allogenic BMT Cost

NHIF Coverage for Liver Transplant Cost in India: $25,000

NHIF liver transplant in India for Kenya citizens involves collecting documents related to patient health and citizenship. The patient will get a suitable liver transplant surgeon and hospital based on good reviews and a high success rate. They provide cost estimate and acceptance letter with the liver transplant donor and receiver name. The patient must get approval for treatment, an Indian medical Visa, advanced payment, and travel to India for a liver transplant on a given date. Here are the Liver conditions to get NHIF Coverage:

  • NHIF Coverage for Orthotopic transplant
  • NHIF Coverage for Living Donor Transplant
  • NHIF Coverage for Split Donation
  • NHIF Coverage for Auxiliary liver transplantation
  • NHIF Coverage for Pediatric Liver Transplant

NHIF Coverage for Kidney Transplant Cost in India: $15,000

NHIF Cover another major surgery of Kidney transplant overseas for Kenyan citizens. Following the NHIF process, the patient must provide the latest kidney-related medical reports and the urgency of the transplant. Apply for a kidney transplant procedure and get approval.

Kidney Transplant documents for Overseas treatments: Email print from a local doctor, Referral letter for overseas treatment, NHIF form signed by Kidney specialists, Receiving a letter from an Indian hospital and kidney transplant surgeon. Here are the Kidney conditions to get NHIF Coverage:

  • NHIF Coverage for Deceased Donor Kidney Transplants
  • NHIF Coverage for Living Donor Kidney Transplants
  • NHIF Coverage for Robotic Kidney Transplants
  • NHIF Coverage for Pediatric Kidney Transplant

NHIF Coverage for IVF Treatment Cost in India: $3,000

NHIF coverage is applicable for civil servants and dependants like spouses experiencing infertility. As fertility treatments are expensive, only civil servants can get coverage under premium. Kenya’s public hospital does not offer IVF, and private hospitals are expensive. Therefore, Kenyan citizens can travel overseas for IVF with NHIF coverage. Different IVF treatments with NHIF coverage include:

  • Normal IVF Cycle
  • Advanced IVF Cycle + ICSI + Medications
  • Advanced IVF Cycle
  • Normal IVF Cycle + ICSI + Medications
  • IVF With IUI
  • Frozen Embryo Transfer (FET)
  • IVF with Donor Egg
  • IVF with Semen Freezing
  • IVF with Donor Sperm
  • IVF with Egg Freezing

NHIF Coverage for Stem Cell Transplant Coverage in India: $18,000

Eligible patients will get NHIF coverage for various stem cell transplant procedures. A referral letter, National ID, and latest medical reports are necessary to get approval for NHIF. Different stem cell transplant procedures are applicable for NHIF, including:

  • Autologous Stem Cell Transplant
  • Allogeneic Stem Cell Transplant
  • Full Match Allogenic Stem Cell
  • Half Match Allogenic Stem Cell
  • Umbilical cord Blood Transplant

NHIF Coverage for Radiation Therapy Cost in India: $4,500 – $6,500

NHIF offer Radiation Therapy coverage for different conditions. An eligible candidate must provide the necessary documents, GOP letter, and Approval letter from NHIF before starting the procedure. NHIF will provide a fixed amount for radiation therapy after checking every detail. More than that NHIF amount, a patient needs to pay. Different procedures of radiation therapies cost include:

  • Internal Radiation Therapy
  • External Beam Radiation Therapy
  • Intensity Modulated Radiation Therapy
  • Image-Guided Radiation Therapy
  • Proton therapy
  • Gamma Knife
  • Volumetric Modulated Arc Therapy
  • 2d conventional technique

NHIF Coverage for Cancer Treatment in India

NHIF offer cancer treatment coverage overseas. NHIF mainly cover radiation therapy, chemotherapy, and surgeries. Cancer patients also get cost coverage for biopsy diagnosis, CT/PET-CT/MRI. NHIF coverage for cancer treatment depends on different types like breast cancer, lung cancer, liver cancer, brain cancer, prostate cancer, insurance type and balance limit. NHIF Coverage for different cancer conditions include

  • Bladder Cancer Treatment
  • Bone Cancer Treatment
  • Brachytherapy for prostate cancer
  • Brain Cancer Treatment
  • Breast Cancer Treatment
  • Cervical Cancer Treatment
  • Chemoembolization
  • Chemotherapy
  • Kidney Cancer Treatment
  • Liver Cancer Treatment
  • Lung Cancer Treatment
  • Malignancy Surgery
  • Medical Oncology
  • Oral Cancer Treatment
  • Ovarian Cancer Treatment
  • Pancreatic Cancer Treatment
  • Prostate Cancer Treatment
  • Skull Base Surgery
  • Stomach Cancer Treatment
  • Head & Neck Oncology
  • Image-guided radiation therapy (IGRT)

Types of NHIF Schemes for NHIF Insurance for Overseas Treatment in India

NHIF Schemes Per Month Pay Yearly Pay
National Health Scheme (NHS) KES 500 ($3) KES 6,000 ($40)
Enhanced Scheme (ES)
Linda Mama
Edu Afya


NHIF Cover Limits for Self-Employed

NHIF cover limits for self-employed is 500 per month. Self-employed members can also have options to pay 6,000 every year.


What Are The New NHIF Rates?

Range of Employee’s Salary (Kes.) Monthly NHIF Contribution (Kes.)
0 – 5,999 150
6,000 – 7,999 300
8,000 – 11,999 400
12,000 – 14,999 500
15,000 – 19,999 600
20,000 – 24,999 750
25,000 – 29,999 850
30,000 – 34,999 900
35,000 – 39,999 950
40,000 – 44,999 1,000
45,000 – 49,999 1,100
50,000 – 59,999 1,200
60,000 – 69,999 1,300
70,000 – 79,999 1,400
80,000 – 89,999 1,500
90,000 – 99,999 1,600
100,000 and above 1,700

Types of NHIF Schemes

National Health Scheme (NHS) in Kenya

NHIF provides primary health insurance coverage, or UHC Supacover, for all members dependent members. This scheme membership is applicable for both employed and self-employed residents in Kenya with the age of 18 years. National Health Scheme offers inpatient services, outpatient services, and special benefits packages. The voluntary member must contribute Kshs 500 monthly for the main member and their declared dependants.


NHIF Enhanced Scheme in Kenya

NHIF Enhanced Scheme applies to Civil servants, national police, prison service, county governments, Pension Schemes for Retired Public officers, and Parastatals. Enhanced Schemes for others include Retired officers of Kenya Associations, Water and Sewerage companies, and public universities.


NHIF Linda Mama Scheme in Kenya

Linda Mama is a maternal healthcare scheme in Kenya that offer free maternity services to pregnant women. It is part of the country’s broader efforts to improve maternal and child health. The Linda Mamascheme covers different maternal health services to decrease maternal and neonatal mortality rates, including antenatal care, skilled delivery, postnatal care, and more. Linda Mama is part of the National Hospital Insurance Fund (NHIF). It is designed to ensure that financial limitations do not discourage pregnant women from accessing essential healthcare services during pregnancy and childbirth. It has significantly increased healthcare access and improved maternal and child health outcomes in Kenya.


NHIF Edu Afya Scheme in Kenya

Edu Afya refers to Health Education. Edu Afya aimed at raising awareness and providing information to individuals and communities to make informed decisions about their health and well-being. Edu Afya may offer various topics, including disease prevention, healthy lifestyle choices, reproductive health, nutrition, and more. Health education programs cover all students under the National Education Management Information System registered with NHIF.

Step-by-Step Guide to NHIF Portal Registration Process

Eligibility Registration Fees Membership Where to Register Post Registration
Above 18 years • KES 1,500 for initial Registration till months
• Pay KES 500 monthly to avoid penalties
Single or Family (spouse and children below 18) 1. NHIF Selfcare Platform
2. Dial *155#
3. My NHIF App
Visit NHIF office or Huduma Center for finger biometric registration


Documents Required for NHIF Registration

  • National Identification Card
  • Colored Passport Sized Photo
  • Copy Of Spouse’s National Identification Card For Initial Registration
  • Marriage Certificate For Spouse To Include In Cover
  • Copy Of Birth Certificates For Children Above 6 Months
  • Birth Notification For Children Under 6 Months
  • Colored Passport Photo Of Children And Spouse.


Documents Required to Add Children

  • Copy of birth certificates for children above six months
  • Proof of legal guardianship/adoption letter from the county office children’s department
  • Copy of national identification card for the principal member


Documents Required to Add A Spouse

  • Copy of marriage certificate or an affidavit from an advocate/magistrate or commissioner of oaths
  • Copy of national ID card for the principal member
  • Copy of the new spouse’s national ID card


Documents Required to Remove A Spouse

  • Divorce Certificate
  • Death Certificate
  • National ID card of Principal Member


Documents Required to Change A Spouse

  • Copy of divorce certificate
  • marriage certificate of the new spouse affidavit from an advocate/magistrate or commissioner of oaths.
  • National ID card for the principal member
  • Copy of the new spouse’s national ID card

NHIF Online Payment Portal, Kenya

NHIF online payment portal gives multiple options for Keyna citizens, which include:

  • M-Pesa with bill number 200222 and national ID card number as the account number
  • Different banks such as Equity Bank, National Bank (NBK), Cooperative Bank, Kenya Commercial Bank (KCB)
  • Safaricom Bonga points are available as redeemable to pay for NHIF. Dial *126#, Navigate to Lipa Na Bonga to show the PayBill number as 200222 and the account number as their national ID number.

NHIF Comprehensive Cover Monthly Payment, Kenya

NHIF comprehensive cover monthly payment can be made with M-Pesa with the following steps:

  • Go to the M-PESA Menu, click Lipa Na Mpesa, then PayBill.
  • Add 200222 as the PayBill Number.
  • Add your National Identification Number as the Account Number
  • Add KES 500 every month you wish to pay or Pay KES 6,000 for the year. The system can only accept a max of KES 6,000 for bulk payments.
  • Enter your Safaricom PIN Number
  • You will get a verification message from MPESA for a successful contribution. The M-PESA message you will receive is proof of payment.

NHIF Form for Overseas Treatment in India 

NHIF Form is available on the official website for different circumstances. Kenya citizens will get various forms such as:

  • Registration form (NHIF 2)
  • Employers Registration form (NHIF 33)
  • Referral Form For Overseas Treatment with Managed Scheme and National Scheme
  • Healthcare Service Provider Declaration Application Form
  • Inpatient Hospital Claim Form (NHIF 8)
  • Intra Vitro Fertilization Pre-Authorization Form (NHIF 8d(26)
  • Admission Notification Form (NHIF 36)
  • Long Stay Notification Form (NHIF 37)
  • Referral Form For PET CT-Scan

NHIF Payment by Employers for NHIF Insurance for Overseas Treatment in India

Employers in different countries with a National Health Insurance Fund (NHIF) program often have obligations and responsibilities related to NHIF payments for their employees. These responsibilities can vary depending on the country’s specific regulations and laws and the employment contract terms. Here are some common aspects of NHIF payments by employers: Employee Deductions, Employer Contributions, Registration and Submission, Monthly Remittances, Record-Keeping, and Legal Compliance. NHIF offer faster and more efficient methods of getting employers’ monthly payroll byproduct to NHIF from the byproduct system.

NHIF Payment by Employers Document

  • Submit a soft copy at the nearest NHIF branch
  • Provide ID number, Excel format byproduct, and payment proof; otherwise, it will get rejected.

NHIF Portal Login

NHIF portal login can be accessed at https://verification.nhif.or.tz/ServicePortal/login for NHIF portal login account login Kenya. The NHIF verification portal login password will provided in the registered email.

NHIF Online Payment Portal

The NHIF in different countries may offer an online payment portal or platform to facilitate the payment of contributions, premiums, or fees. These online portals provide convenience and ease of payment for individuals and employers. NHIF online payment portal will provide login access, payment options, contribution type, payment details and payment history.

NHIF Insurance for Overseas Treatment in India & GOP

Why do Patients need an NHIF Guarantee of Payment?

A GOP or Guarantee of payment letter is necessary with NHIF for the Patient to confirm with the medical provider that the NHIF will cover the hospital bill. Patients must get their guarantee of payment letter promptly, requesting authorization at least 48 hours before treatment is recommended. Without a GOP letter, the chosen hospital will charge a hefty hospital admission deposit. NHIF GOP letter will have information on patient background checks, treatment necessities, and insurance schemes for medical conditions.


Can A Hospital Deny Treatment And Reject GOP?

It is uncommon, but hospitals reject an insurer’s payment guarantee, and the patient must pay the total bill. GOP is accepted only in reputable hospitals from reputable insurers.


What Circumstances Cause The GOP To Get Rejected?

The inpatient procedure treats more than the required conditions.

The procedure is excluded from the coverage

The claimable amount does not match the policy

Cosmetic surgeries are not applicable

Policyholders have already reached the maximum annual limit for treatments.

NHIF Overseas Approval Process for Treatments

NHIF in Kenya covers treatment overseas. Here are the necessary steps to follow to get approval:

  • Collect documents of National ID card, NHIF insurance copy, Reference letter from treatment hospital and doctor, and Latest medical reports.
  • Fill out and submit an overseas referral online application for treatment.
  • Send all the necessary documents with the NHIF application to the NHIF office.
  • The approval process takes 1 – 2 weeks.

NHIF Overseas Treatment Referral Protocol

A registered NHIF member will get medical care from their choice. However, the chosen medical centre does not provide a specific medical service; the facility can be referred to another healthcare provider, and the healthcare centre selected is responsible for covering the cost of referrals. Optical and dental care with free services is not applicable. If a patient needs daycare surgery and a member is not at their capitated facility, the hospital will inform the NHIF for authorization. Complex conditions need a letter of undertaking, and the patient must visit an outpatient facility to get a referral letter from the nearest branch.

NHIF Cover Limits For Civil Servants

Civil Service Grade (CSG)  (Job Group – JG) In Patient Out Patient Dental / Maternity Optical Charged within Inpatients limit
CSG 17-13 (A-G) KES 7,00,000 KES 70,000 KES 50,000
CSG 12 (H) KES 7,00,000 KES 70,000 KES 50,000 KES 40,000 KES 1,00,000
CSG 11 (3) KES 7,00,000 KES 70,000 KES 50,000 KES 40,000 KES 1,50,000
CSG 10 (K) KES 7,00,000 KES 70,000 KES 50,000 KES 40,000 KES 1,50,000
CSG 9 (L) KES 10,00,000 KES 1,00,000 KES 50,000 KES 40,000
CSG 8 (M-N) KES 15,00,000 KES 2,00,000 KES 50,000 KES 40,000
CSG 7 (P) KES 17,50,000 KES 2,25,000 KES 50,000 KES 40,000
CSG 6-4 (Q, R, S, T) KES 25,00,000 KES 3,50,000 KES 50,000 KES 40,000 KES 2,00,000


NHIF Comprehensive Cover

NHIF Comprehensive Cover is available at hospitals with comprehensive contracts that provide all-inclusive packages to beneficiaries without pay. The NHIF Comprehensive Cover is covered without out-of-pocket payment. NHIF Comprehensive Cover provided by hospitals are grouped as Government, Private, Dental, Optical, Cancer, Dialysis, CT scan, and MRI. Hospitals with NHIF Comprehensive Cover are only applicable to the Linda Mama scheme.

Comprehensive NHIF Cover

Comprehensive NHIF Cover are acceptable in the below given hospitals for eligible hospitals. The qualified candidate for Comprehensive NHIF Cover can search for suitable hospitals, download, or take print of required documents.

  • Government Hospitals
  • Cancer Hospitals
  • Private and faith-based Hospitals
  • CT-Scan Hospitals
  • Dialysis Hospitals
  • MRI Hospitals
  • Rehab Hospitals
  • Dental Hospitals
  • Optical Hospitals

Does NHIF Cover Cancer Treatment?

Yes, NHIF covers cancer treatment in different countries, including India. The NHIF covers cancer treatment and provides radiotherapy and chemotherapy for eligible candidates. NHIF covers cancer treatment for all types of cancer conditions. NHIF mainly covers breast cancer, lung cancer, cervical cancer, prostate cancer, brain cancer, and liver cancer if it covers cancer treatment with some limits based on sessions of chemotherapies, radiation therapies, and surgery.

NHIF Comprehensive Cover for Civil Servants

NHIF comprehensive cover for civil servants comes under the Enhanced Scheme. The Enhanced Scheme offers NHIF coverage for civil servants, the National Police, and the Prison Service. NHIF comprehensive cover for civil servants can also benefit from pension schemes for retired public officers and county government. NHIF comprehensive cover for civil servants is accessible under comprehensive and non-comprehensive hospital contracts depending on individual allocations. NHIF comprehensive cover for civil servants offers all-inclusive services without pay.

NHIF Civil Servants Scheme

The government of Kenya provide an NHIF civil servants scheme that includes declared dependents and disciplined services. The NHIF civil servants scheme is an insurance that covers the primary member and dependent member up to six. NHIF civil servants scheme gives Kenya citizens medical insurance coverage for specialised services for inpatients and outpatients. NHIF civil servants scheme membership is accessible to Kenyans above 18 years old with a monthly income of more than KES 1,000. NHIF civil servants scheme fund is available to every eligible Kenyan.

NHIF for Civil Servants Eligibility

  • NHIF for civil servants must meet the following criteria to get the insurance benefits.
  • A primary member should be a Civil servant at the National Government or staff of the County Government
  • A person should be a registered member of the NHIF
  • A spouse declared by a principal member can also get NHIF benefits.

NHIF Cancer Package

NHIF Cancer Package is available for outpatient and inpatient services in different hospitals in India. Once the NHIF registered member becomes eligible for Overseas cancer treatment, they will get other options for hospital according to their cancer conditions. Only Specialised Cancer hospitals in India accept and provide the NHIF Cancer Package listed below for different cancer conditions.

NHIF Cancer Package Average Cost in USD Advanced Technologies for Cancer Treatments
Bladder Cancer Treatment $4,420 • Radiotherapy
• Brachytherapy
• Chemotherapy
• Immunotherapy
• PET scans
Bone Cancer Treatment $4,556
Brachytherapy for prostate cancer $4,403
Brain Cancer Treatment $6,561
Breast Cancer Treatment $5,330
Cervical Cancer Treatment $5,618
Chemoembolization $3,477
Chemotherapy $3,381
Colon Cancer (CRC) Treatment $4,418
CyberKnife $5,499
Cyberknife for Prostate Cancer $5,529
Esophagus Cancer Treatment $5,497
Fractionated Stereotactic Radiation Therapy $6,744
Green Light Laser PVP Surgery $6,712
HIFU $5,584
HIFU (High-Intensity Focused Ultrasound) for prostate cancer $5,705
Head & Neck Oncology $3,447
Image-guided radiation therapy (IGRT) $6,909
Intensity-modulated radiation therapy (IMRT) $7,592
Kidney Cancer Treatment $5,330
Liver Cancer Treatment $6,693
Lung Cancer Treatment $3,437
Malignancy Surgery $5,722
Medical Oncology $4,507
Oral Cancer Treatment $3,523
Ovarian Cancer Treatment $4,617
Pancreatic Cancer Treatment $5,527
Prostate Cancer Treatment $5,573
Skull Base Surgery $5,548
Stomach Cancer Treatment $7,791
Surgical Oncology $4,619
Uterine Cancer Treatment $5,951
Whipple’s Procedure $5,966

NHIF Chemotherapy Cost In Kenya

NHIF Chemotherapy Cost In Kenya Average Cost in USD
Antimetabolites $1,204
Plant Alkaloids $986
Biological response modifiers $1,292
Antitumor Antibiotics $1,116
Mitotic Inhibitors $1,360
Hormonal agents $1,328
Topoisomerase Inhibitors $1,256
Alkylating Agents $1,220
Miscellaneous Antineoplastics $1,168

NHIF cover up to 10 chemotherapy sessions for cancer care, including injectable, oral, inpatient, and outpatient oncology services. Patients seeking overseas cancer treatment due to expensive Chemotherapy Cost In Kenya can find various options in India. The overall Chemotherapy Cost In Kenya includes oncologist consultation fees, personal assistance, free patient counselling, Surgery, free monthly OPD, and lab tests.

Does NHIF Cover Biopsy

Yes, NHIF covers biopsy for cancer screening. A biopsy is a procedure to take out a tissue as a sample of cells from the patient body for laboratory tests. NHIF covers biopsy for detecting certain types of cancer conditions. NHIF cover biopsy limit depends on different types that include:

  • Needle Biopsy
  • Endoscopic biopsy
  • Surgical Biopsy
  • Liquid biopsy
  • Laparoscopic biopsy
  • Bone marrow aspiration and biopsy

It is important to apply on time for NHIF cover biopsy to get fast approval, which may take 2 – 5 working days. NHIF cover biopsy needs online registration, a local doctor referral letter, the latest medical report, a national ID, and an NHIF card.

Who Qualifies for NHIF Comprehensive Cover?

NHIF comprehensive cover is only available for eligible civil servants and their registered dependents. The government manages the NHIF comprehensive cover by the Ministry of Health. All Kenyans above 18 years of age with NHIF membership qualify for NHIF comprehensive cover in private hospitals in Kenya and overseas.

How Much is Chemotherapy in Kenya?

Chemotherapy in Kenya is available with advanced technologies for every cancer treatment. Chemotherapy costs in Kenya start from $65 – $600 per treatment in public hospitals, depending on the cancer being treated. The chemotherapy’s actual cost depends on different cancer stages, ranging between $3,000 – $7,500.

NHIF Cover Limits For Civil Servants  

NHIF cover limits for civil servants have different grades. Civil servants have different rates for their job services based on which their NHIF cover limits are provided if cover limits for civil servants for Inpatients are KES 7,00,000 – KES 25,00,000, Outpatient KES 70,000 – KES 3,50,000, Dental / Maternity KES 50,000 – KES 50,000, Optical KES 40,000.

NHIF cover limits for civil servants may change depending on the patient’s condition and additional treatments.

Does NHIF Cover Chemotherapy?

NHIF oncology utilization package covers chemotherapy expenses. NHIF cover chemotherapy for civil servants and self-employed with NHIF membership. NHIF cover six sessions for first-line treatment for up to Sh26,000 per session and 4 sessions for 2nd and 3rd-line treatment for up to Sh15,500 per session.

NHIF Cover for Civil Servants

NHIF offers an Enhanced Scheme for civil servants working with Government services. Retired civil servants are also eligible for NHIF benefits with their registered valid membership. Around six dependents can avail of the NHIF benefits with specialised services. All civil servants must contribute to NHIF to benefit from overseas treatments.

Civil Servants NHIF Cover

Civil Servants NHIF Cover depend on the country and its healthcare system and often have access to health insurance coverage, including programs like the National Health Insurance Fund (NHIF). The specifics of Civil Servants NHIF Cover can vary widely, but here are some common points to consider: mandatory Participation, Comprehensive coverage, Family coverage, Flexible Options, Contribution to NHIF, and Quality healthcare.

Cost Of Chemotherapy In Kenya

Cost Of Chemotherapy in Kenya varies due to the different types of drugs involved in the treatment of cancer—other drugs of chemotherapy damage the targeted cells at different times. The drug combinations help destroy the cancer cells in different ways, which can change the Cost Of Chemotherapy In Kenya. Here are the different types of chemotherapy:

Types of Chemotherapy Cost
Alkylating agents $3,500 – $7,500
Anti-tumor antibiotics
Mitotic inhibitors
Plant alkaloids
Topoisomerase inhibitors

Comprehensive NHIF for Overseas Treatment in India 

Comprehensive NHIF hospitals with contracts provide all-inclusive services of all packages to every beneficiary without pay. The comprehensive NHIF aim to cover out-of-pocket payments. Extended NHIF hospital only covers the Linda Mama scheme for motherhood and IVF treatments. As IVF treatments are expensive in Kenya, several patients travel overseas for suitable treatments with affordable cost and NHIF coverage.

What Does NHIF Cover for Civil Servants?

The civil servants, most of the workforce and their dependents can access both inpatient and outpatient services, as optical and dental services for health facilities provided by NHIF. NHIF cover for civil servants includes health care diagnosis, procedure, specialist doctor fees, nursing care, bed charges, radiology investigations, diagnostic laboratory, dressing, and prescribed medications. NHIF cover civil servants who are retired member can also get benefits from health facilities.

What Is NHIF Comprehensive Cover?

NHIF (National Health Insurance Fund) comprehensive cover is a type of health insurance package that provides a broad range of healthcare benefits to registered members. NHIF comprehensive cover includes hospitalization, outpatient services, maternity care, surgeries, prescription medications, laboratory tests, and more. NHIF comprehensive cover aims to ensure that members can access a wide scope of medical benefits without significant out-of-pocket expenses, facilitating healthcare accessibility and financial protection. 

NHIF Maternity Cover For Civil Servants

NHIF Maternity Cover for Civil Servants can be accessible under Linda Mama cover. The Linda Mama health scheme provides affordable and high-standard health services to pregnant women and infants. Linda Mama scheme under NHIF Maternity Cover for Civil Servants aims to achieve universal maternal and child health services cases. NHIF-accredited hospitals offer suitable cover with their prenatal and postnatal services.

NHIF Cover Limits – NHIF Insurance for Overseas Treatment in India 

NHIF Card Sample can be obtained from the official NHIF website or visit the nearest NHIF branch. Get a registration form either online or from the nearest office. Fill out the NHI card form with correct personal information, including name, ID number, birth, employment, and contact details. NHIF card samples will be provided in the NHIF office or website. A person needs an NHIF registration form with a passport-size photo of the applicant and their dependent, ID card, birth certificate, employment letter, and foreign national registration certification.

NHIF Comprehensive Cover Hospitals

NHIF comprehensive cover hospitals in India cover several health treatments for Kenyan citizens. NHIF comprehensive cover hospital insurance is provided to all registered members and their declared dependents. NHIF comprehensive cover hospitals offer insurance for liver transplants, kidney transplants, bone marrow transplants, cancer treatments, and radiation treatments. NHIF company will directly send to choose hospitals with GOP letters through email.

Kidney Transplant Cost in India with NHIF

kidney transplant cost in India range between INR 5 lakh to INR 15 lakh, which change for everyone. Different stages of kidney disease may change the cost of transplants because NHIF covers the cost. In India, Kidney transplant costs include surgery, donor kidney cot, pre-surgery tests, post-surgery visits, medications, advanced technologies, and follow-up.

How much is NHIF Comprehensive Cover?

NHIF comprehensive cover offer different services to civil servants, maternity, and self-employed. According to latest rates of NHIF, low-income earners and self-employed need to contribute $2 and higher incomes earner need to contribute 2.7% of their earning member. NHIF Comprehensive Cover obtains regular monthly contributions from registered members through voluntary payments or their employers. NHIF Comprehensive Cover use the contributions to provide insurance to the members and their family dependents for medical care from accredited hospitals in India.

NHIF Benefits for Civil Servants

NHIF benefits for civil servants can be obtained in several ways through different programmes. The SUPA cover is a comprehensive package for surgery, maternity, oncology, dialysis, and specialised services for outpatients and inpatients. NHIF benefits for civil servants are available depending on their limits. Anything more than their NHIF limit, patients need to pay.

NHIF Card Sample – NHIF Insurance for Overseas Treatment in India 

NHIF Card Sample can be obtained from the official NHIF website or visit the nearest NHIF branch. Get a registration form either online or from the nearest office. Fill out the NHI card form with correct personal information, including name, ID number, birth, employment, and contact details. NHIF card samples will be provided in the NHIF office or website. A person needs an NHIF registration form with a passport-size photo of the applicant and their dependent, ID card, birth certificate, employment letter, and foreign national registration certification.

NHIF Frequently Asked Questions

Does NHIF cover treatment in India?

Yes, India accepts NHIF insurance for major health treatments and eligible candidates.

Who is eligible for NHIF in India?

All Kenyan citizens above 18 years old and registered with NHIF membership.

What is covered under NHIF?

The NHIF benefit package includes hospital stay, diagnosis, specialist doctor fees, procedure, consultation, bed charges, radiology, laboratory diagnostic, medications, and dressing.

What is the purpose of NHIF?

NHIF provide medical insurance coverage for all Kenyan citizen eligible for NHIF.

How long does it take to get NHIF approval?

NHIF approval takes a minimum of 24 hour and 48 hours.

How long does NHIF stay inactive?

If the NHIF account is inactive for 12 months, the patient can react by paying KES 1,500.


The National Health Insurance Fund (NHIF) is vital in improving healthcare access and affordability for individuals in Kenya seeking treatment in India. It offers a safety net, ensuring people can access essential medical services without considerable financial burdens. NHIF programs vary by country, but they share a common goal of promoting health and well-being while reducing differences in healthcare access. Please write to us to connect with India’s best doctors and hospitals accepting NHIF.

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  • Gouher

    Gouher is passionate about writing content in healthcare industry. Her commitment to learning and upgrading guides her work and drives her to make a positive impact in the health community. She has Seven years of experience in Medical Content Creation. She believe in providing the correct information because she clearly understands what situations people search about a disease and its treatment.

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