Tanzania NHIF Calculator (2026)

NHIF in Tanzania — what employers and employees need to know

The National Health Insurance Fund (NHIF) provides medical cover for civil servants, private-sector employees and the self-employed across Tanzania. The standard contribution is 3% from the employee + 3% from the employer of gross monthly salary, with payment due by the 9th day of the following month.

What does NHIF cover?

• Outpatient and inpatient services at accredited hospitals nationwide.
• Surgery (minor and major), maternity care, optical, dental.
• Selected chronic-illness care including diabetes, hypertension and cancer.
• Dependents — spouse plus up to four children under 21.

Who must contribute?

NHIF is mandatory for civil servants and parastatals. For private-sector employers it is mandatory under the Employment & Labour Relations Act for any business that opts into the scheme — and most do, because employer-paid medical cover is a strong retention lever.

NHIF compliance checklist

• Register the company with NHIF (one-time).
• Enrol every employee — capture biometric details.
• Compute 3% + 3% per employee per month.
• Remit by the 9th of the following month via the NHIF portal or any TRA-listed bank.
• Issue NHIF cards to employees and dependents.

Combine NHIF with PAYE, NSSF, SDL and WCF to see your full statutory cost — or use the Full Payroll Calculator.