CarePay

CarePay is a health insurance operations platform for private and public payers that digitizes the full insurance journey from member enrolment and identification through eligibility checks, pre‑authorization, claims, billing, payments, and ongoing member engagement. Insurers use the web platform and integrations to manage these workflows centrally, while members and providers interact via the Member App and digital tools for faster verification, approvals, and payouts.

CarePay originated in Kenya and powers health insurance operations there, including the M‑TIBA platform. It operates across Africa and the Middle East and serves payers in emerging and frontier markets, with its headquarters in Amsterdam.

To sign up as an insurer or payer, you can request a demo or contact CarePay through the web forms available on the CarePay website, after which the team will guide you through onboarding and configuration. Member enrolment and registration are then managed digitally through the CarePay platform and Member App as part of the insurer’s program.

Yes, CarePay offers a Member App available on Android and iOS for insured members to check benefits, find in‑network providers, track claims, and access health solutions. The platform also exposes APIs so the Member App can be integrated into broader digital ecosystems.

CarePay is best suited for health insurers and payers, both private and public, that need to digitize and control end‑to‑end health insurance operations. It is particularly aligned with organizations serving large member populations in emerging and frontier markets across Africa and the Middle East, where efficiency, fraud reduction, and faster claims processing are critical.