NHIF eases path to universal health coverage
DAR ES SALAAM: THE National Health Insurance Fund (NHIF) has taken major steps to make health insurance more affordable and accessible, as part of the government’s commitment to achieving Universal Health Coverage (UHC).
Speaking during the ongoing 49th Dar es Salaam International Trade Fair (DITF) at the Mwalimu Julius Nyerere Grounds, NHIF Temeke Regional Manager, Cannon Luvinga said the Fund has simplified enrolment procedures and significantly reduced insurance package costs to encourage more people to join.
“Our goal is to ensure that no one is left behind when it comes to accessing quality healthcare. Through this exhibition we are raising awareness about the benefits of joining health insurance, especially as the government rolls out the UHC plan,” said Mr Luvinga.
He said that one of the key changes introduced is a simplified registration process, requiring only a National Identification Number (NIN) for an individual to enroll. For children, a birth certificate is needed. Mr Luvinga said that NHIF has revised its packages to make them more affordable.
“We have reduced the cost of our packages. An individual can now access a full year of health services for just 168,000/- with the flexibility to pay in monthly installments. We also offer various packages, including those tailored for children and families,” he said.
He said that the reduction in prices addresses previous concerns from the public that some packages were unaffordable.
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“Initially, there was feedback that the prices were not friendly. We listened, reviewed, and introduced affordable options. The response so far has been very encouraging,” he added.
According to him, NHIF has registered over 19,000 health facilities across the country. This wide network ensures that members can access healthcare services without travelling long distances.
“A Tanzanian who joins NHIF is guaranteed access to services close to where they live. Wherever you go, there’s likely to be a registered health facility nearby,” Mr Luvinga said.
The push for UHC also includes targeted support for vulnerable groups. Implementation of the Universal Health Insurance Law is already underway, with clear procedures in place to reach individuals and families who cannot afford the premiums.
“For low-income households, we have a special package that provides access to 277 health services at a cost of 150,000/- per year for a family of six. That amounts to only 25,000/- per person annually.
The government, through the Tanzania Social Action Fund (TASAF), will cover this cost for eligible families to ensure no one is left behind,” he said. Mr Luvinga further said NHIF has introduced flexible payment options to make it even easier for people to join. Members can now pay in installments starting from 14,000/-, using agents, banks, or mobile money services.
To strengthen the financing of UHC and the fight against HIV/AIDS, the government, in its 2025/2026 budget proposal, plans to introduce eight new sources of revenue to support the health sector.
Mr Luvinga further said beyond registering new members, NHIF is also using its presence at the DITF to address concerns from existing members and provide education on various health issues.
“A major focus this year is on raising awareness about the prevention and management of non-communicable diseases (NCDs) such as diabetes, hypertension and cancer,” he said.
He added, “This exhibition is not just about showcasing our services. It’s a crucial opportunity to educate the public about the importance of health insurance, how to enroll under the UHC plan, and how to safeguard their health through preventive measures,” Mr Luvinga said.
He said that the comprehensive approach being undertaken is aimed at ensuring everyone, regardless of income level, has access to quality healthcare, which is the foundation for national development.
