Post-Retirement Medical Fund

Secure your health needs during retirement.

Health Security for Your Future

You build a pool of savings that pays for in-patient and out-patient treatment for you and your dependants when you leave employment.

Contribute Now

Build funds while active in employment.

Grow Over Time

Your money is invested and grows tax-free.

Exclusively for Health

Funds used only after retirement (with exceptions).

Flexible Payments

Pay premiums or bills directly from the fund.

Why PRMF Matters

Research by the Retirement Benefits Authority reveals:

71%

Have some cover

81%

Rely on SHIF alone

77%

Pay from Pocket

Only 16%

Have a PRMF
Be part of the 16% securing their future!
How the Fund Works
Contributions
  • Structure: Voluntary. Contribution structure can be fixed amount or % of salary.
  • Minimum: KES 2,000 per month.
  • Employer Support: Employer contributes KES 2,000 per month.
  • Contributors: You, Your Employer, or Both.
  • Note: Rates may be revised. All contributions vest immediately.
Benefits of Joining
Dedicated Savings
Immediate Vesting
Cover Dependents
Transfer Flexibility
No RBA Levy
Access & Options
While Employed Restricted

Early access only allowed on:

  • Ill health (Trustee approval).
  • Exit before retirement age (Transfer, Delay, or Access directly).
  • Full benefits on Emigration or Death.
At Retirement Full Access
  • Keep funds in PRMF & pay medical cover annually.
  • Keep funds in PRMF & offset bills directly.
  • Transfer to insurance provider.
  • Purchase an annuity for premiums.
Transfer Options

You can use up to 10% of retirement benefits to buy medical cover, or transfer normal pension AVCs to a medical provider.

Tax Perks

Tax Relief

Effective Dec 2024: You receive KES 15,000 per month tax relief (KES 180,000/year) on contributions.

Tax Exemption

Effective July 2023: Investment income earned in a PRMF is fully tax-exempt.

Join the PRMF Today

Eligible if you are an active member contributing to the main pension plan and wish to secure medical cover for yourself and dependents.

How to Join
Fill Form Download & Complete
Send It Email or Mail Office
Download PRMF Form pension@nssfsps.co.ke