Health Insurance Platform for Africa

the Member is central

What your members experience when you choose M-TIBA

Meet Joy, an expectant mother. Here's how a claim that once took 30 days now takes 3 hours, and what that means for her trust in your product.

Enrolment

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.

M-TIBA client Joy is finding a nearby hospital on the M-TIBA member app

Identification

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.

Smiling woman with braided hair works on laptop with M-TIBA portal affirming network provider and policy coverage.

Pre-authorization

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.

M-TIBA customer success manager reviewing insurance analytics on laptop

Claims

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.

M-TIBA team member reviewing health insurance data on the platform

Billing & Payments

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.

M-TIBA team member reviewing health insurance payments

Smiling woman in white working on a laptop with M-TIBA portal showing approval time of 24 hours.

Engagement

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.

Health insurance member using M-TIBA mobile app to check coverage

Smiling woman in hoodie looking at phone at round wooden table and M-TIBA NPS score 60 icon.

HOW WE DO IT

The platform to launch and grow your insurance business across the region

We help you run and grow your insurance business with M-TIBA's next-gen platform.
Go to market fast with built-in support, automated operations, and real-time actionable insights. Then scale on your terms.

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See the platform

member experience

Give your members a 60 NPS experience — without building it from scratch

Your members get real-time claim visibility, instant benefit checks, and digital ID — through a branded app that's ready on day one. You get a 60 NPS.

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Latest insights

Member receives notification from M-TIBA that treatment is pre approved

M-TIBA notification from app that treatment is pre-approved and covered by insurance

Insurance operations analyst using M-TIBA claims management dashboard

M-TIBA notification from member app that health wallet has been upped

connected operations

Cut your claims handling costs with 80% — automatically

Automated pre-authorisation, straight-through claims processing, and real-time fraud flags remove the manual work that drives admin costs up.

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View all platform features

DATA & AI

Price risk better. Respond to rising costs faster. Grow profitably.

Every claim, pre-auth, and enrolment feeds a real-time data layer — so your actuaries price accurately, your ops team spots rising costs before they hit the ratio, and your board sees a portfolio that's growing, not bleeding.

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Learn more

+98%

member NPS

-80%

claims handling costs

90 days

from idea to launch

CUSTOMER SPOTLIGHT

How one insurer in Kenya cut claims turnaround time from 77 days to 3

Using M-TIBA’s platform was a turning point. We reduced reimbursement time by 96%—from 77 days to just 3—improving provider trust, cutting admin costs, and giving members a smoother experience. It’s just one of many ways we’re now operating with more control, more speed, and more impact.

M-TIBA team reviewing claims cost reduction results in office

CUSTOMER SPOTLIGHT

How Transnep transformed member experience with real-time health insurance operations

"Working with M-TIBA has been a game changer at Transnep Insurance Brokers. We use the platform for pre-authorizations, approvals, and provider payments.

This has really helped improve turnaround time because we no longer rely on a lot of paperwork."
‍
Rosemary Wangari, General Manager

Country Director

PharmAccess

Man in glasses and suit speaking into a microphone at a glass podium with a blurred screen behind.

As featured in ...

Recognized across the InsurTech Africa ecosystem

October 5, 2023

M-TIBA and AAR Insurance partner with eBee to offer e-bicycle riders healthcare covers

Leveraging the CarePay platform to offer e-bicycle riders more affordable healthcare covers

July 10, 2023

M-TIBA: Top 25 Most Customer-Obsessed Brands Impacting Lives In 2023

CarePay Kenya: Top 25 Most Customer-Obsessed Brands Impacting Lives In 2023

April 13, 2021

Fortune's Change the World lists M-TIBA & Safaricom in Top 10

We're excited to announce that Safaricom PLC and CarePay have been listed in the top 10 of Fortune's Change the World list. Every year, Fortune, a renowned American magazine, compiles a prestigious list of companies making a positive impact on the world. Safaricom, renowned for their revolutionary role in the large-scale introduction of m