● practice● Scaled

M-TIBA (CarePay / PharmAccess)

📍 Kenya · 2016 · CarePay Ltd

Scale

local

subnational

national

systemic

Description

Mobile health wallet and health financing platform built on M-PESA: it allows people to save, borrow and receive earmarked subsidies for spending exclusively within a national network of health providers, connecting patients, providers and payers in near real time. Launched by CarePay with Safaricom, PharmAccess and UAP (M-TIBA started as a brand in Kenya around 2015; public launch with Safaricom in December 2016). More than 4.8 million users; universal health coverage (UHC) pilot in Kisumu 2018-2019 with 273,350 households enrolled. Since 2024-2025 it incorporates AI for claims review.

Linked evidence

▦A digital mobile health platform increasing efficiency and transparency towards universal health coverage in low- and middle-income countriesDigital Health (SAGE), Huisman L, van Duijn SMC, Silva N, et al. 8:20552076221092213 · 2022Evidence ▦Can a mobile health payment platform reshape Kenya's health system?Kaiser Permanente International · 2019Evidence