M-TIBA is a health finance platform, integrating payments and revolutionizing health schemes to drive healthcare inclusion in Africa. It enables users to send, save, or spend on healthcare and helps insurers, donors, and governments to distribute benefits efficiently and transparently.

Once you are selected to become part of the M-TIBA network of healthcare providers, you will be the first to receive information on these new products and how to become eligible to offer them to your patients.

For Healthcare Providers already using the platform, press the Button below to start the billing process


Why should I join M-TIBA ?

Funds stored in M-TIBA can only be used to pay for services and medication at specific healthcare facilities that are contracted by CarePay and PharmAccess to offer M-TIBA. By joining M-TIBA you immediately gain access to an expanding pool of M-TIBA users within your catchment area and tap into a target market that has reliable healthcare financing.
This should lead to a more reliable and predictable income stream for your facility. Clients can pay from their M-TIBA directly into your healthcare facility’s M-TIBA account. Funds in your facility’s M-TIBA account can be immediately withdrawn into your M-PESA or bank account.

Mobile Asset Loan

The mobile asset loan helps you to acquire medical assets such as imaging and laboratory equipment. You can borrow from KES.10,000 – KES.10M. Apply now via your mobile phone.

Terms and Conditions

M-TIBA Benefits

  • Access to more paying clients with accessible funds in their M-TIBA health wallet
  • Increased revenue collection because you serve clients with the ability to pay
  • Better security by shifting from cash to digital transactions.
  • Free financial and clinical performance dashboards for decision making
  • Settlement of claims within 48 hours
  • Access to unsecured loan products through M-TIBA “Cash Advance”
  • Quality assessment and quality improvement plan
  • Easy application through your phone, with minimal processing time.
  • Easy repayment through automatic deductions from your Lipa na M-Pesa and / or M-TIBA transactions.
  • Competitive interest, (on a reducing balance) per month.
  • The equipment is the collateral.
  • Flexible loan tenure up to 36 months.