Many Kenyans pay monthly NHIF contributions for years without ever understanding the dental benefits they are entitled to — and end up paying out of pocket for treatments that could have been covered. If you have NHIF or a private health insurance plan, this guide will help you understand exactly what dental services are included, how to claim them, and how to get the most value from your cover.

Does NHIF Cover Dental Treatment?

Yes — but with important limitations. The National Health Insurance Fund (NHIF) provides a basic dental benefit package to its members. Under the NHIF Outpatient benefit, which is accessed through contracted Health Management Organisations (HMOs) and accredited facilities, members can access certain dental services without additional cost.