NHIF package price calculator
Tarangire to Tanzanite, Toto Afya, Umoja Afya
NHIF's published prices, checked 28 October 2026. NHIF's control number decides the amount you pay.
| Package | Yearly price | Yearly ÷ 12 (for budgeting) |
|---|---|---|
| Tarangire | TZS 168,000 | TZS 14,000 |
| Ngorongoro | TZS 432,000 | TZS 36,000 |
| Mikumi | TZS 480,000 | TZS 40,000 |
| Serengeti | TZS 792,000 | TZS 66,000 |
| Tanzanite | TZS 2,712,000 | TZS 226,000 |
What next: What each NHIF package covers · NHIF or private cover? · Compare private health quotes
On this page · 6 sections
How the calculator works
The figures come straight from NHIF's contribution table (table 4 of the packages flyer, August 2025): one yearly price per household type — one adult or a couple, with zero to four children — and per age band (18–35, 36–59, 60 and over). The calculator looks up your row and shows the same household on all five packages so you can see what moving up a package costs.
- Dependants: a spouse and up to four children (born, adopted or step-children) under 21. The table stops at four children.
- Families with a member aged 60 or over and children are not in the published table: NHIF's self-service portal or the free line 199 gives that price.
- Family discount: NHIF gives up to 10% off dependants' contributions for families; the family rows of the table are NHIF's own final prices.
- Payment: one lump sum with a control number (bank or mobile money). The "÷ 12" column only helps you budget — NHIF does not take monthly payments for packages.
Worked example
Amina (34) and her husband (35) want cover for their two children. Their row is couple + two children, 18–35:
| Package | Yearly price (TZS) | Where they are treated |
|---|---|---|
| Tarangire | 563,760 | Dispensaries up to regional referral hospitals |
| Ngorongoro | 1,252,800 | 10,000+ facilities up to national hospitals, by referral |
| Mikumi | 1,783,680 | Same network, more tests (172) and medicines (419) |
| Serengeti | 2,692,800 | Same network, 301 tests, 770 medicines |
| Tanzanite | 8,252,640 | Same network plus private ward and the widest lists |
If they insured only the children, two Toto Afya cards would cost 2 × 150,000 = TZS 300,000 a year, with a 90-day waiting period instead of 30.
Toto Afya, Umoja Afya, the basic package and employees
| Option | Price | Rule to know | Source |
|---|---|---|---|
| Toto Afya (child registered alone) | TZS 150,000 a year | Under 18; 90-day waiting period; RITA-verified birth certificate and a photo | NHIF |
| Umoja Afya (groups) | TZS 60,000 a year per member | Groups of 10+, all with NIDA, 400 services, general ward, cover after 30 days | NHIF, Aug. 2026 |
| Basic package (Kitita cha Huduma Muhimu) | TZS 150,000 a year per household | Up to six people; phase one from 26 January 2026 for households the Government pays for | NHIF |
| Public employee | 3% of salary + 3% from the employer | Treasury deposits both; Police, Prisons, Immigration, Fire and Rescue: 6.25% by the Treasury | NHIF Act s.9 |
An employer that pays late owes a penalty of 5% of the contribution for each month or part of a month it stays unpaid, which NHIF may waive (NHIF Act s.45).
Limits of this calculator
It reproduces NHIF's published prices as checked on 28 October 2026; NHIF can change them, and the amount on your control number is the one you pay. It does not tell you whether a given hospital accepts your package: use NHIF's facility search. Benefits by package are compared in our NHIF packages guide; private cover is explained in health insurance in Tanzania and, kwa Kiswahili, bima ya afya.
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Frequently asked questions
How much is the NHIF package for a family in Tanzania?
It depends on the package and ages: a couple aged 18–35 with two children pays TZS 563,760 a year on Tarangire, 1,252,800 on Ngorongoro, 1,783,680 on Mikumi, 2,692,800 on Serengeti and 8,252,640 on Tanzanite (NHIF table, August 2025).
Bei ya vifurushi vya NHIF ni kiasi gani?
Kwa mtu mmoja wa miaka 18–35: Tarangire TZS 168,000, Ngorongoro 432,000, Mikumi 480,000, Serengeti 792,000 na Tanzanite 2,712,000 kwa mwaka (jedwali la NHIF, Agosti 2025).
How much is Toto Afya Kadi?
TZS 150,000 a year for a child under 18 registered individually, with a 90-day waiting period.
How much is Umoja Afya?
TZS 60,000 a year per member, for groups of at least 10 people who all have a NIDA number (NHIF flyer, August 2026).
Can I pay NHIF monthly?
Not for the packages: NHIF's flyer says contributions are paid in one lump sum with a control number. Employees' contributions (3% + 3%) are monthly.
Is Tarangire cheaper than Toto Afya for a child?
Tarangire is not sold for a child alone. A child alone costs TZS 240,000 on Ngorongoro, or TZS 150,000 on Toto Afya, which has similar benefits but a 90-day waiting period.
Sources
- NHIF — Vifurushi vya Bima ya Afya flyer (August 2025): benefits and yearly contribution table
- NHIF — Toto Afya, children registered individually (flyer, August 2025)
- NHIF — Umoja Afya group package (flyer, August 2026)
- NHIF news — the universal health insurance basic package starts on 26 January 2026 (23 January 2026)
- National Health Insurance Fund Act, Cap. 395 (ss.9 and 45) — NHIF