clinicPesa is a healthcare financing solution targeting the uninsured individuals through its digital mobile healthcare micro loans, savings, payments and value creation platform where members set aside dedicated funds used to offset their medical bills and purchase drugs/medicine in time of need at your partner facility.
clinicPesa MaMa’s is a behaviorally driven mobile money maternal health savings account platform that empowers expectant women and couples to access timely savings towards maternity care, birth preparedness kits, up keep, as well as afford transportation to the healthcare center, hence enabling them afford safe child delivery.
Individuals who are 18 years old and above, owning a registered MTN sim card and are registered on MTN mobile money.
Expectant women (ages 15-49), women of reproductive age (15-49) who are planning to become pregnant and men who have a pregnant or planning to become pregnant partner (ages 15-49).
clinicPesa reserves the right to verify with MTN Uganda the authenticity and status of your MTN Number.
Formal and informal healthcare facilities that include hospitals, medical centers, clinics, pharmacies and drug shops that are licensed and regulated by the Uganda Medical Practioners Council and National Drug Authority established under the relevant national laws under the ministry of health.
clinicPesa Individual account.
Individuals who are 18 years old and above, owning a registered MTN sim card and are registered on MTN mobile money can own a clinicPesa account.
clinicPesa Healthcare facility account.
Formal and informal healthcare facilities that include hospitals, medical centers, clinics, pharmacies and drug shops can own a clinicPesa healthcare facility account. They should be licensed and regulated by the Uganda Medical Practioners Council and National Drug Authority established under the relevant national laws under the ministry of health.
No, usage of our mobile application and web system requires data.
But you can access our services with out mobile data through MTN USSD (*165*5#)
Via MTN (*165*5#)
Dial *165*5#, select clinicPesa and enter your Mobile Money PIN to accept the terms and conditions. This automatically activates your clinicPesa Account.
Web and Android Application
Download the clinicPesa App or visit web.clinicpesa.com, enter phone number.
Create a 5-digit clinicPesa PIN you would love to use. After this step, you would have accepted the clinicPesa terms and conditions.
Always keep your clinicPesa PIN and MoMo PIN a secret.
Request for an account with clinicPesa by visiting our https://register.clinicpesa.com. Fill in the online registration form and submit the relevant requirement documents as requested on the portal.
Upon verification clinicPesa will send its field team to finalize the onboarding process. Upon confirmation, your clinicPesa account will be created, and you will be issued a 6-digit merchant code and you can start transacting with clinicPesa via MTN USSD (*165*5#), our mobile android application and even via our Web system, web.clinicPesa.com.
No, you can only access clinicPesa on one device at a time. The only time you get to access the account on another device is by using your *165# or MTN MoMo App.
These are deposits made to your clinicPesa account through transferring money from your Mobile Money account. A user is able to save either daily, weekly or monthly and can even set an autosave on a daily, weekly, monthly. The savings are used to offset your medical bills for yourself or loved ones at any of our partnering healthcare facilities.
A user can save from as low as UGX 500 up to UGX 20,000,000 on their clinicPesa account.
A customer is able to save using either;
MTN USSD (*165*5#)
Dial *165*5#, select option 4, (clinicPesa), click on option 1(savings) and begin saving accordingly. One is able to either save for self or deposit and save for another clinicPesa user.
The clinicPesa mobile application and Web system
To save for another clinicPesa user;
You can make payments with clinicPesa at any of our partnering healthcare facilities by using the MTN USSD (*165*5#), our mobile android application and even via our Web system, web.clinicPesa.com
Via MTN (*165*5#)
On the App and Web
Immediately after the customer has confirmed the initiation with their pin
To qualify for the clinicPesa Loans, you must be active on MTN Mobile Money, your sim card must be at least 6 months old, you must be an MTN clinicPesa Subscriber and at-least save with clinicPesa.
This is a loan top up made to clear your medical bills at a very affordable interest rate of 7% and it is paid directly into the clinicPesa healthcare facility you would like to make payments to.
The loan is payable within 30 days. However, you can repay the loan before the due date and borrow again. If you pay the loan in less than 30 days you increase chances to grow your clinicPesa loan limit.
The minimum amount is 3,000 and maximum amount is 3,000,000. The maximum amount is subject to loan limit. The customer will receive the full loan amount requested for example if a request is placed for a loan of UGX 3,000, the customer will receive the full loan amount requested and will be required to pay back UGX 3,210.
Are you pregnant or planning to get pregnant? Then this feature is for you.
How do I subscribe to clinicPesa MaMas? Go to clinicPesa App, select the clinicPesa MaMa’s icon. Set pregnancy duration. Set saving targets. Start saving towards your delivery. Your partner/loved ones can also contribute on your behalf by selecting Share Medical fund/ deposit for another.
How do I know the amount to save?
clinicPesa MaMa’s determines how much time you have left against the medical bill at your healthcare Facility of choice, it then distributes the funds against medical bills, Birth Kits, transport and emergency.
What happens to my savings after the pregnancy? You can unsubscribe from clinicPesa MaMas and all your funds will be reflected in your clinicPesa Savings Account.
Can I see maternity centers from this platform? Yes, clinicPesa has a list of healthcare facilities that offer maternity services
Can I opt out of clinicPesa MaMa’s while still pregnant? Yes, and all your savings will reflect under your clinicPesa account, you can always opt back in at any time.
No. A facility owner is able to save as an individual customer using his or her individual account. The facility account is only used to collect payments from the clinicPesa individual customers.
The session is 3-5 minutes long but continued interaction with the system increases the session time through auto renewal.
No, clinicPesa is a fintech company that provides savings and loans platform dedicated STRICTLY to your families’ and self’s healthcare needs.
We enable our users to get financially prepared towards their health care by providing different platforms that enable individuals to save from as low as UGX 500, we also extend instant micro mobile medical loans to our users in case they are short on savings.
You can only use clinicPesa to pay bills up to the value of funds you have saved plus the loan top-up.
You can also share funds from your clinicPesa account with a friend, loved one or relative to enable you get full/proper medical treatment and make instant payments to the healthcare facility.
Your savings will be carried forward to the next year and it will also accrue interest. clinicPesa also provides room for withdraw.
Upon notification of death, the next of kin will be required to avail a copy of the death certificate the necessary administrative documents, the clinicPesa account will be de-activated and the remaining funds will be sent to your next of kin’s clinicPesa account within 14 working days, failure to do so the funds will be moved back to the Central bank once the account reaches its dormancy state.
To eliminate this possibility, clinicPesa ensures that you confirm PIN number and facility name before making any payments.
No. clinicPesa is not related to AYO.
clinicPesa is a free platform. One is able to use all the services of clinicPesa at a Zero cost.
No. our individual users are not charged while using clinicPesa to pay for their medical bills.
Yes, you can. Our individual users are able to offset another persons’ bill using his clinicPesa savings.
You can as well share your savings through the Share Medical Fund option and the funds are moved directly to the other person’s clinicPesa account.
Yes, you can. Different transactions can be made one after the another to different facilities in a given period of time
A transaction is successful immediately when the customer enters his or her Pin to confirm approval of the transaction.
All savings are collected on an escrow account in partnership with Equity bank which is regulated Bank of Uganda and daily savings are reconciled to ensure the savings are equal to the daily collected amount. clinicPesa is also regulated by Uganda Microfinance Regulatory Authority. You are strongly advised not to share your clinicPesa PIN or MTN MoMo PIN with any one, not even our staff.
our customers can make unlimited transactions with their clinicPesa accounts as long as they are paying from their accumulated savings.
Kindly contact our customer service in case of a technical issue. Customer complaints will be handled with utmost urgency at all times.
The normal reverse MTN process will apply. However, to eliminate this possibility, clinicPesa ensures that you confirm PIN number and facility name before making any payments.
You will need to visit the customer care center or clinicPesa Offices to filling an opt out form which will be processed by clinicPesa with 3 working days.
Our customer care team will call you within 3 working days to confirm completion of the exit process.
Upon confirmation that there are no pending bills, your remaining funds will be sent to your MTN Mobile Money account within 5 working days and any remaining interest will be returned to clinicPesa.
You can visit can visit clinicPesa Ltd website at https://clinicpesa.com or email at email@example.com or you can WhatsApp or call us on our office number +256 – 393225880 You can visit MTN Uganda website https://www.mtn.co.ug/___