Reimagine Health Insurance

Easy access to benefits from your favourite insurer through M-TIBA

M-TIBA helps insurers digitise to give members 24/7  easy access to their insurance benefits, insights and limits through their mobile phones, while making sure healthcare providers are paid faster.

Access benefits from leading insurers

Play Video

Connecting the dots
from member to insurer and provider

4.8 million lives

5,000 connected healthcare providers

20 payers using
the platform

For individuals

Navigate insurance
with confidence

M-TIBA enables you to take control of your healthcare journey.

you're in control

broad provider network

24/7 support

simplified experience

For providers

Streamline workflows
for better care delivery

M-TIBA’s all in one platform helps providers reduce administrative burden, improve cash flow, and strengthen patient relationships

faster claims processing

seamless patient check-in

speed up routine tasks

24/7 support

For insurers

Smarter insurance
ops at scale

M-TIBA’s helps insurers digitise and deliver personalised, better value to their members and the connected healthcare providers. The platform provides real-time data insights for better decision making.

hassle-free policy management

accelerate claims and pre-authorizations

provider networks that create value

universal medical code library


Top 25 Companies that are Changing Lives in Kenya

ISO/IEC 27001 certified for information security and data management system

#7 of Fortune's Change the World List 2020

Frequently Asked Questions

M-TIBA is a platform that enables you to access your medical scheme and benefits.

M-TIBA is accessed by dialing *253# on your mobile phone or on the M-PESA App

  • M-TIBA enables you to access your medical benefit on your phone.
  • M-TIBA enables you to control your medical benefits directly from your phone via a PIN. You can initiate treatments for you or your loved ones from your phone, wherever you are.
  • You will always get an SMS notification after very utilization, indicating the amount you were billed for treatments.
  • You can view your benefit balances on the M-TIBA menu via their phone.
  • You can view, add your dependants, who will be eligible to be treated on your health cover benefit on their phone.
  • Your utilization is real-time, and the balances are adjusted after every treatment.
  • No more confusion on what you can access with your health cover, you are directly in control.
  1. Receive an SMS from M-TIBA that your insurance provided health cover is ready
  2. Dial *253# on your phone and choose a secure PIN for access
  3. During your first treatment, simply provide your fingerprint for faster identification
  1. Dial *253# on your phone
  2. Input 1 to sign in
  3. Enter your date of birth
  4. Identify yourself with ID or Passport
  5. Enter your ID or Passport number
  6. Enter your insurance membership number
  7. Set a pin

kindly call our toll-free customer service number 0800 721 253 incase you need assistance.

  1. Dial *253# on your phone
  2. Enter your M-TIBA PIN
  3. Select MY M-TIBA
  4. Select your organizations name
  5. Select balance
  6. View your balance per benefits

M-TIBA has partnered with more than 4,200 healthcare providers to get you the care you need.

Once you join, a provider panel will be shared with you, to let you know which health facilities you can visit.

In case you are away and your dependant is seeking treatment;

  • They’ll introduce themselves to the cashier that they are seeking services on M-TIBA
  • Share the primary member’s phone number for the provider to initiate the treatment on their behalf.
  • Dial *253# (Both Safaricom, Airtel and Telkom on the number registered on MTIBA).
  • Enter M-TIBA PIN (or press 1 if you have forgotten your PIN).
  • Press 1 to initiate a treatment.
  • Select recent clinic (1, 2, 3) or enter hospital’s Till Number (e.g. 465004)
  • Select patient to be treated.
  • Select Payment Method
  • Select benefit e.g My Health Funds either Outpatient/Dental/Optical as payment method.
  • Press 1 to Authorize.
  • You will receive an in-app message and a SMS with a transaction number.
  • After authorizing treatment, you’ll be required to verify your fingerprint in order to proceed.
  • You can now access the care you need.
  • Dial *253#
  • Enter your M-TIBA PIN (or press 1 if you have forgotten your PIN)
  • Select option 2: “My M-TIBA”
  • Select benefit eg. My Health Funds
  • The balance will be displayed against each category i.e. Outpatient/Dental/Optical.
  • In case of insufficient funds, you will be required to top up the difference in cash after seeking treatment.

If you can’t access your benefits, you can change it as follows;

  • Step 1 – Dial *253#
  • Step 2 – Enter M-TIBA PIN
  • Step 3 – Select option 4 “Help”
  • Step 4 – Select Option 2: “Change PIN”
  • Step 5 – Enter Current PIN
  • Step 6 – Enter New PIN
  • Step 7 – Confirm New PIN

You will receive an SMS notification confirming PIN change “Your PIN has been changed”.

If you have forgotten your PIN, you can reset it as follows:

  • Dial *253#
  • press 1 if you have forgotten your PIN
  • Enter date of Birth e.g. DDMMYYYY (01011963)
  • Enter Identification number
  • Enter new PIN
  • Confirm new PIN
  • Your PIN has been changed

You will receive an SMS notification confirming PIN change “Your PIN has been changed”.

You can also contact the M-TIBA Customer care for PIN reset support on 0800 721 253.

Reach us


Opening Hours

Our care support line is available to help you 24/7 everyday through our toll-free line 0800 721 253.

Monday – Friday
Saturday – Sunday
WhatsApp M-TIBA
Welcome to M-TIBA

How can we assist you today?