M-TIBA is the core insurance platform and operations partner used by African insurers and managing brokers to go from first pilot to scaled health portfolio — without manual claims, rising admin costs, or building the tech stack from scratch.
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Joy signs up for maternity coverage and is onboarded within minutes. Through the M-TIBA Member App, she instantly checks her benefits and finds a nearby, in-network provider—skipping long waits and guesswork.
The approval process for health insurance takes an average of 7 days in Kenya.
At the maternity clinic, Joy's identity and coverage are quickly verified by the clinic’s receptionist through a digital eligibility check. The receptionist submits a pre-authorization request for Joy through the M-TIBA platform.
M-TIBA reduces the annual admin cost per member from 29 USD to 1 USD.
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Using the M-TIBA platform, Joy's Case Manager reviews and approves her pre-authorization request directly. Joy can now get the check-up she needs with the reassurance that the costs are covered by her insurance.
Currently, it takes at least 3 days to process a pre-auth request in Kenya.
After Joy completes her check-up, the clinic’s cashier submits a claim through the M-TIBA platform. The claim is processed by a Claim Manager within 3 hours, making sure that both Joy and her provider are paid in a timely manner.
Claims submitted in paper form have an average processing time of 30 days.
Thanks to M-TIBA's insights dashboard, Joy’s insurer is able to review their payment forecasts in real-time. Confident that all outgoing payments align with their cash flow, Joy’s payment is approved within 24 hours.
It currently takes an average of 60 days for claims to be paid out in Kenya.
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Joy tracks her claim history and benefit usage in real-time through the M-TIBA Member App. After a smooth first experience, Joy finds herself anticipating her future check-ups with increased peace of mind.
M-TIBA has a Net Promoter Score of 60.
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Recognized across the InsurTech Africa ecosystem
April 17, 2026
The future of health insurance in the region depends less on what we launch next and more on how well we run what we already have.
February 18, 2025
Health insurance and technology leaders are optimistic that Artificial Intelligence (AI) and real-time data will enhance healthcare quality, reduce costs, and expand insurance access in Kenya. AI is set to improve decision-making, streamline operations, and make health insurance more accessible for Kenyans.
May 23, 2024
One of the concerns in the health insurance industry is the increase in claims frequency in recent years, consequently leading to additional increases in costs. The increase in claims has intensified the burden of claims processing, hence impacting negatively on the insurers’ ability to stay lean and innovate.
Book a 30-minute demo and see the platform that took one Kenyan insurer from 77-day claims to 3.
M-TIBA is a next-generation health insurance platform and operations partner that helps insurers run profitable health portfolios with real-time data and automation across Africa.
