News FlashesOctober 29, 2019

CRS News Flash 29 October 2019 – ZAMBIA – New National Health Insurance Fund


It is important that employers note the following:

National Health Insurance Fund Implementation

Following the approval of the National Health Insurance Act, 2018 in April 2018, the implementation thereof has been delayed while awaiting the publication of the Statutory Instrument indicating the regulations and effective date.

Statutory Instrument (SI) No. 63 of 2019 was published on 20 September 2019, announcing the effective date as 1 October 2019.

An employer must register an employee with the National Health Insurance Management Authority as a member. To register an employee, Form I as set out in the First Schedule of SI No. 63 must be used.

An employee means any person who has entered into or works under a contract of service, whether the contract is expressed or implied, is verbal or in writing, and whether the remuneration is calculated by time or work done or is in cash or kind.

Persons employed under a contract of apprenticeship made in accordance with the Apprenticeship Act, or a casual employee cannot be registered as a member.

An employer must pay to the scheme a contribution consisting of the employer’s contribution and the employee’s contribution at the rates below (as set out in the Third Schedule of the SI):


  • Employee: 1% of the basic salary
  • Employer: 1% of the basic salary

An employer must pay, on or before the 10th of the following month, the contributions deducted in a month.

The specifications regarding the reporting is not set out in the SI, therefore it is recommended that the following information be reported:


  • Business or company name
  • NHIMA identification number
  • Employer type
  • Physical address
  • Date of registration
  • Number of employees
  • Contact details – phone and email


  • Surname
  • First name
  • Other names
  • Employment number
  • NRC or passport number
  • Membership number
  • Date of birth
  • Sex
  • Marital status
  • Occupation
  • Engagement date with current employer
  • Basic salary
  • Contribution

For more information, visit the Ministry of Health website


Contact our legislation team at if you require any additional information.
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