CarePay helps insurers launch new markets and segments—faster, leaner, and with full control. From first pilot to scaled operations, we power growth with the tech and support to get you there.
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Joy signs up for maternity coverage and is onboarded within minutes. Through the CarePay 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 CarePay platform.
CarePay reduces the annual admin cost per member from 25 EUR to 1 EUR.
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Using the CarePay 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 CarePay 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 CarePay'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 CarePay Member App. After a smooth first experience, Joy finds herself anticipating her future check-ups with increased peace of mind.
CarePay has a Net Promoter Score of 60.
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We help you run and grow your insurance business with CarePay'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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CarePay is established in 2015 in Kenya. Partnering with PharmAccess Foundation and Safaricom, CarePay developed a health insurance platform, branded as M-TIBA in Kenya. CarePay's HQ is located in Amsterdam.
