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Healthcare is fragmented, expensive and inefficient. CarePay’s unique end-to-end insurance platform connects members to payers and providers. Transforming the health insurance business by lowering costs and real-time insights.
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Meet Joy, an expectant single mother from Nairobi. Discover how CarePay supports her throughout her pregnancy journey.
Joy signs up for maternity insurance. Onboarded within minutes, she immediately checks her benefits using CarePay’s Member App. She uses the app to find an in-network provider nearby for her first pregnancy check-up.
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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Digitising and automating the end-to-end insurance journey in one cloud-based platform
Lower costs of healthcare for everyone. Keep costs low, transparency high, and your trusted ecosystem relationships strong.
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Unlock the virtuous cycle of healthcare. Build on real-time and valuable data insights to decrease risk & create better outcomes for health insurers, TPA’s, re-insurers, organisations and individuals.
Empower members through a connected ecosystem. Improve the customer experience and make healthcare more accessible to all.
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CarePay was first established in Kenya in 2015. Partnering with PharmAccess Foundation and Safaricom, CarePay developed a smart payment distribution platform branded as M-TIBA.
Since the success of M-TIBA in Kenya, CarePay has opened its HQ in Amsterdam to facilitate its international expansion. CarePay is currently present in Nigeria and the UAE.
