Across many markets, healthcare remains unaffordable and fragmented. Without trust or coverage, people delay care or pay out of pocket—trapping them in cycles of debt and poor outcomes. This breakdown hurts everyone: members can’t access care, providers lose income, and insurers struggle to grow sustainably.

CarePay (M-TIBA) began in Kenya, building on the mobile money revolution to launch a health wallet that gave people direct access to care. What started as a member-first innovation is now powering end-to-end health insurance operations across Africa and the Middle East—helping insurers launch faster, operate leaner, and expand access to care at scale.

By digitizing and automating claims and payments, CarePay helps hospitals get paid faster, unlock better rates, and reduce costs. This improves cash flow across the ecosystem—empowering providers to invest in care, and enabling insurers to offer more affordable products to new segments.

Everyone wins: better care, lower risk, and stronger trust between payers, providers, and members.

CarePay puts members in control of their health journey—with real-time access to benefits, claims, and coverage. By personalizing engagement and simplifying access, insurers can improve trust, reduce churn, and unlock new health insurance models for the next wave of members.

It’s the same mobile-first mindset that changed how we bank, shop, and travel—now transforming health insurance.