M-TIBA is a health payment platform that can accommodate various sources of funding such as savings, remittances from family members, donor funding for specific (vulnerable) populations or to support specific healthcare needs, and health insurance. M-TIBA is not a risk pool and deposits in M-TIBA health-savings service are not premiums giving access to an extensive medical cover. M-TIBA only pays the medical bill to the extent of the amount available in your mobile health savings or as defined by your insurance scheme or donor program.