Tanzania NHIF Contribution Calculator
The health insurance contribution is 3% of salary deducted from the employee plus another 3% paid by the employer, under section 9 of the National Health Insurance Fund Act. Enter a gross monthly salary to see both shares and the total.
How it works
Section 9 of Cap. 395 requires a monthly contribution of three per cent of the employee's salary, with another three per cent from the employer — 6% in total and no ceiling. The base is salary, which excludes bonus, commission, cost-of-living allowance, overtime and directors' fees. The Universal Health Insurance Act 2023 sets no rate of its own; its section 23 defers to this Act, so the 3% + 3% remains the operative rate.
Employee = 3% × gross salary · Employer = 3% × gross salaryWorked examples
Example
On a 1,000,000 TZS monthly salary, the employee contributes 30,000 TZS and the employer another 30,000 TZS — 60,000 TZS in total, 6% of salary, with no ceiling. The employee share is deducted from pay; the employer share is paid on top.
Frequently asked questions
What is the NHIF contribution rate in Tanzania?
3% of salary from the employee and 3% from the employer — 6% in total, with no ceiling or floor, under section 9 of the National Health Insurance Fund Act (Cap. 395).
Who contributes?
Public servants and employees in the formal private sector, following the 2024 extension of the Act's scope. Judges, members of the defence forces and intelligence services, members of councils, boards and committees, and anyone paid by the hour or day are excluded.
What about the police, prison and fire services?
They are excluded from section 9; for those services the Treasury deposits 6.25% instead.
Is the contribution calculated on the whole salary?
On salary as the Act defines it — excluding bonus, commission, cost-of-living allowance, overtime and directors' fees. There is no cap, so the contribution rises with pay.
What rate applies to the self-employed or informal sector?
No rate has been gazetted. The 2023 Act leaves informal-sector contributions to regulations that have not yet been issued, so there is no figure to publish.
Results are estimates provided for information only and do not constitute financial, legal or tax advice. Consult a qualified professional before making financial decisions.
Reviewed by the Calculator editorial team · Last updated 19 September 2026
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