NHIMA guide 2026: registration, contributions, card and benefits
For employees, the self-employed, employers and families in Zambia: registering with NHIMA, the eNHIMA portal, the 1% + 1% contribution, the card and what the scheme pays.
No sign-up, no form: nothing about you is collected.
Who this guide is for
- You must register yourself, your family or your staff with NHIMA
- You want to pay or check your NHIMA status
- You want to know what NHIMA pays and how to complain
What is inside: table of contents
The PDF puts together 5 guides of Tulinde Zambia, word for word: each chapter opens with its short answer, then the full sections, the frequently asked questions and the date it was last reviewed. All 16 sources — the laws, the regulator and the official documents each fact comes from — are listed at the end, with their links.
- NHIMA registration: who must register and how (2026)
Who must register · How to register · What you pay · Your membership card
Reviewed 31 October 2026 · 5 questions · 6 sources
- eNHIMA portal: log in, pay and check your NHIMA status
The official address · Pay or check your status by mobile money · When the portal does not work
Reviewed 31 October 2026 · 3 questions · 6 sources
- NHIMA contribution calculator (Zambia)
The rates the calculator uses
Reviewed 31 October 2026 · 3 questions · 2 sources
- NHIMA benefits: what the scheme pays, your card and complaints
What the benefit package covers · What it does not cover · Using NHIMA at a hospital or clinic · How to complain to NHIMA
Reviewed 31 October 2026 · 4 questions · 7 sources
- Health insurance in Zambia: NHIMA and private medical cover
Two layers of health cover · Private health insurance · Before you buy a private health policy
Reviewed 31 October 2026 · 4 questions · 6 sources
Look inside
Two pages of the PDF exactly as you will get it: the contents page and the first page of chapter 1.
Who writes it
Tulinde is an independent guide run by Takat AI. It is not an insurer, a broker or an agent, and it does not rank or rate insurers. Every fact comes from a primary source listed in the guide. Read how we check facts.