---
title: "clinicPesa: Medical Savings and Bill Payments"
description: "Save for healthcare from UGX 500 (up to 5% interest) and get UGX 3k–3m medical loans at 7% for 30 days. Pay clinics via MTN USSD."
canonical_url: "https://liners.com/clinicpesa"
markdown_url: "https://liners.com/clinicpesa.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/clinicpesa/screenshot.webp?v=1773251488073"
published_at: "2026-03-20T21:33:34.642Z"
updated_at: "2026-09-16T12:12:01.556Z"
---

# clinicPesa: Medical Savings and Bill Payments

Save for healthcare from UGX 500 (up to 5% interest) and get UGX 3k–3m medical loans at 7% for 30 days. Pay clinics via MTN USSD.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [clinicPesa](/clinicpesa)

## Summary

Save, borrow, and pay for healthcare by mobile money

A Uganda healthcare financing platform for uninsured individuals and partner facilities to save via MTN Mobile Money, access medical loans, and pay bills at registered providers.

## Product details

| Field | Value |
| --- | --- |
| Website | https://clinicpesa.com/ |
| Tagline | Save, borrow, and pay for healthcare by mobile money |
| Primary country | Uganda |
| Platforms | Web, Android |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

clinicPesa is a Uganda-based digital healthcare financing platform for uninsured individuals and partner healthcare facilities, enabling dedicated medical **micro-savings**, **short-term loans**, and **instant medical bill payments** using mobile money.

Key capabilities include:
- **Healthcare-only savings** from **UGX 500**, with optional **AutoSave (standing orders)** and **interest up to 5% annually**; savings can be carried forward, and withdrawals are available after **12 months** (6 to 11 months withdrawals incur a fee equivalent to accrued interest).
- **Medical loan top-ups** from **UGX 3,000 to UGX 3,000,000** at **7% interest**, payable within **30 days**; loan limits depend on MTN network tenure and usage (voice, data, Mobile Money), savings behavior, and repayment history.
- **Pay medical bills at partner facilities** by entering a facility **merchant code**, then paying with **savings**, **loans**, or both; facilities receive payment immediately after confirmation.
- **clinicPesa MaMa’s** maternal health savings plans in the Android app, with savings targets for delivery, birth preparedness kits, transport, and antenatal-related needs.

Available via **MTN USSD *165*44#**, **Web (web.clinicpesa.com)**, and **Android**.

It serves individuals **18+** with an MTN Mobile Money line, expectant women and couples using MaMa’s plans, plus **clinics, hospitals, pharmacies, and drug shops** that need digital collections and transaction records (facilities can withdraw with a **1% fee**).

Notable in Uganda for enabling healthcare financing without internet through USSD, holding savings in an **escrow account with Equity Bank**, and operating under stated regulation by the **Bank of Uganda**, **UMRA**, and the **National Drugs Authority**.

## Features

- [Fintech](/categories/fintech): Category
- [B2B](/tags/b2b): Product feature or technology
- [B2C](/tags/b2c): Product feature or technology
- [Lending and Loans](/tags/lending): Product feature or technology
- [Mobile Money](/tags/mobile-money): Product feature or technology
- [Savings](/tags/savings): Product feature or technology
- [USSD](/tags/ussd): Product feature or technology
- [Tanzania](/countries/tanzania): Market

## Related pages

- [Alternatives](/clinicpesa/alternatives)
- [Reviews](/clinicpesa/reviews)
- [Transparency](/clinicpesa/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/clinicpesa)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)