Health Insurance for Private Companies

NHIF provides an opportunity for private companies to register their employees and their dependents the same as in government institutions in the United Republic of Tanzania.

A private company is a commercial organization which operates on for-profit basis and engage in manufacturing and selling goods or services to consumers. The company should be registered as per Act No.12 of 2002, Cap 213 of company’s registration in Tanzania. The company need to operate in any socio-economic sector by adhearing with laws and regulations of Tanzania.

Registration Process
Any private company that seeks to register its employees with the National Health Insurance Fund should consider the following:-

Should have not less than ten (10)permanently employed workers;

The requesting company should have operated for at least two years.

Minimum salary for the lowest paid employee should not be less than the minimum wage set, by the Government.

Should submit an official application letter explaining about the company activities.

Should submit the copies of all legal documents such as registration certificate, Memorandum and Articles of Associations, and Business License.

Should attach documents proving tax payment to the government, TIN Certificate and VAT Registration Certificate.

Only permanently employed workers will be able to be registered. Employees on contract will be registered if they have a contract lasting a period of one or more years;

Any employer registered by the National Health Insurance Fund is required to comply with rules, regulations and laws of the National Health Insurance Fund.

Contribution Arrangements

The system of contribution for employees in private companies does not differ with those of employees in the public sector. In this group an employee contributes 3% of his monthly salary and the employer contributes 3% of the same amount.

Cessation of Membership
A private company will cease membership due to the following circumstances:

Bankruptcy of the company

Failing to meets its obligations as stated in the contract and laws of the Fund,

Command of the court.

Cessation of Membership for an Employee of a Private Company
An employee of a private company who is a member of the National Health Insurance Fund will cease membership due to:

- Death of a member

- Resignation or termination

- Cessation of operation of the company he/she was employed

- Retirement (if have not qualified for the Retiree Benefit)