MoMo

clinicPesa

What is clinicPesa? What is clinicPesa?

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.

What is clinicPesa MaMa’s? What is clinicPesa MaMa’s?

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.

What are the features of clinicPesa? What are the features of clinicPesa?
  • The service is STRICTLY for healthcare usage.
  • A user can save any amount from as low as UGX 500 cumulatively over time.
  • A user can share their clinicPesa with a loved one, friend or relative.
  • A user can set AutoSave (set standing order) to save on their behalf.
  • A user earns Interest of up-to 5% annually on their savings.
  • A user will take at-least 12 months to qualify to withdraw savings plus interest accumulated fees of charge. Between 6 to 11 months user qualifies to withdraw funds at transaction fees equivalent to the interest earned over time.
  • A user can take a loan between UGX 3,000 up to UGX 3,000,000. “Awaiting confirmation.”
  • The user does not incur recurring interest on medical loan but a penalty that is effected for late payment. “Awaiting confirmation.”
  • The short-term medical loans payment duration is at-least 30 days. “Awaiting confirmation.”
Who qualifies for this service? Who qualifies for this service?

Individual users

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).

 

Healthcare Facilities

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.

Which accounts can be opened with clinicPesa? Which accounts can be opened with clinicPesa?

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.

  1. Can I use the clinicPesa Mobile App, MTN MoMo App and Web System without mobile data?

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#)

  1. How do I create a clinicPesa Individual account?

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.

How do I create a clinicPesa Healthcare facility account? How do I create a clinicPesa Healthcare facility account?

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.

Can I use my account on multiple devices? Can I use my account on multiple devices?

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.

What do you mean by clinicPesa savings? (Individual user) What do you mean by clinicPesa savings? (Individual user)

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.

What is the minimum and maximum amount of money I can save on my clinicPesa Account? What is the minimum and maximum amount of money I can save on my clinicPesa Account?

A user can save from as low as UGX 500 up to UGX 20,000,000 on their clinicPesa account.

How can I begin saving with clinicPesa? (Individual user) How can I begin saving with clinicPesa? (Individual user)

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

  • Select deposit for self
  • On selecting for self, enter the amount of money to deposit/save
  • A prompt requiring them to enter their mobile money pin is sent to their phone to confirm the transaction

To save for another clinicPesa user;

  • Select deposit for another, enter the clinicPesa customer’s number you want to deposit for and the amount to deposit/save
  • A prompt requiring them to enter their mobile money pin is sent to their phone to confirm the transaction
How do I use clinicPesa to pay medical bills? (For Individual users) How do I use clinicPesa to pay medical bills? (For Individual users)

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#)

  • Dial *165*5#, select clinicPesa menu.
  • Select Pay medical bill
  • Select with savings or with loans or with both loans and savings
  • Enter health facility code
  • Enter amount and reason
  • Confirm with MoMo PIN to confirm

On the App and Web

  • Select Pay medical bill to pay with saving or Select Loan to pay with Loan
  • Select option to pay with savings or with loans or with both loans and savings.
  • Enter health facility merchant code.
  • Enter amount and reason
  • Enter clinicPesa PIN to confirm.
How do I receive payment from a customer? (For healthcare facility) How do I receive payment from a customer? (For healthcare facility)
  • The users enter health facility code, enter amount and reason and they Confirm the payment transaction with their PIN to confirm.
  • The facility can also initiate a payment for the users and the user confirms this initiation by entering their clinicPesa PIN to approve the initiation.
How long does the health care facility take to receive a payment from an individual user after initiating a transaction? How long does the health care facility take to receive a payment from an individual user after initiating a transaction?

Immediately after the customer has confirmed the initiation with their pin

How do I qualify to get a clinicPesa medical loan? (Individual user) How do I qualify to get a clinicPesa medical loan? (Individual user)

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.

Tell me more about the MTN clinicPesa Loan. Tell me more about the MTN clinicPesa Loan.

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.

What determines a loan limit? What determines a loan limit?
  • The loan limit is determined by utilization on the following services: MTN Voice and Data, MTN Mobile Money, customer duration on the MTN network, loan repayment on time and also savings and frequency of saving on clinicPesa.
  • The customer’s average clinicPesa savings balance, paying medical bills with clinicPesa and loan performance i.e., loan uptake and repayment will also affect their loan limit.
  • The first credit limit review is done 30days after enrolment and 30days thereafter.
  • You can take more than one clinicPesa loan at a time as long as you are still within limit and loan repayment period 0f 30 days
  • In case you pay back extra, the loan will be paid off and the extra amount will automatically be moved to your clinicPesa savings account.
What happens if I do not repay my loan with 30 days? (Individual user) What happens if I do not repay my loan with 30 days? (Individual user)
  • You will be given another 30days to clear the loan and this will incur interest of 7%
  • If you have funds in your clinicPesa savings account and/or your Mobile Money account, the loan shall automatically be repaid from these accounts in that order.
  • You lose your credit limit and may also be denied participation in future clinicPesa promotions and rewards.
  • Any balance on the principal amount of the loan after attempted recovery will attract a roll-over fee of 7% and added to the outstanding principal amount of the loan balance.
  • clinicPesa will mark your account as a bad debtor.
  • Information related to a customer’s repayment history logged with the CRB that is accessed by other CRB lenders including Banks. Through the private credit reference bureaus licensed by the Bank of Uganda, the customer may consequently be denied loans by other CRB lenders based on the negative credit history.
Why can’t I access my clinicPesa loan? (Individual user) Why can’t I access my clinicPesa loan? (Individual user)
  • This may happen because your clinicPesa account is not credit worthy.
  • In order to access the clinicPesa medical loan, maximize the utilization of the following services: MTN Voice and Data, MTN Mobile Money, savings and frequency of saving on clinicPesa
Is there a penalty for failing to clear the loan on time? Is there a penalty for failing to clear the loan on time?
  • If you have funds in your clinicPesa savings account and/or your Mobile Money account, the loan shall automatically be repaid from these accounts in that order.
  • You lose your credit limit and may also be denied participation in future clinicPesa promotions and rewards.
  • Any balance on the principal amount of the loan after attempted recovery will attract a roll-over fee of 7% and added to the outstanding principal amount of the loan balance.
  • Information related to a customer’s repayment history will be shared with other lenders including Banks, through the private credit reference bureaus licensed by the Bank of Uganda. The customer may consequently be denied loans by other lenders based on the negative credit history
Tell me more about clinicPesa MaMas Tell me more about clinicPesa MaMas

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.

Can a facility owner save using the facility account? Can a facility owner save using the facility account?

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.

How long is a clinicPesa session? How long is a clinicPesa session?

The session is 3-5 minutes long but continued interaction with the system increases the session time through auto renewal.

Is clinicPesa an insurance company? Is clinicPesa an insurance company?

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.

What if both my loans and savings are not enough to clear medical bills? What if both my loans and savings are not enough to clear medical bills?

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.

What happens to my savings when I don’t fall sick? What happens to my savings when I don’t fall sick?

Your savings will be carried forward to the next year and it will also accrue interest. clinicPesa also provides room for withdraw.

What happens to my savings when I die? What happens to my savings when I die?

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.

What happens when I send funds to the wrong healthcare Facility? What happens when I send funds to the wrong healthcare Facility?

To eliminate this possibility, clinicPesa ensures that you confirm PIN number and facility name before making any payments.

Does clinicPesa operate like Ayo? Does clinicPesa operate like Ayo?

No. clinicPesa is not related to AYO.

How much am I charged when using clinicPesa. (For individual users) How much am I charged when using clinicPesa. (For individual users)

clinicPesa is a free platform. One is able to use all the services of clinicPesa at a Zero cost.

Is there any charge while paying for my medical bills using clinicPesa? (For individual users) Is there any charge while paying for my medical bills using clinicPesa? (For individual users)

No. our individual users are not charged while using clinicPesa to pay for their medical bills.

Can I use my savings to clear any other persons bills or share with a loved one? Can I use my savings to clear any other persons bills or share with a loved one?

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.

Can I pay to more than one facility at a time using my savings? Can I pay to more than one facility at a time using my savings?

Yes, you can. Different transactions can be made one after the another to different facilities in a given period of time

How will the customer know the merchant code? How will the customer know the merchant code?
  • Each of our partnering healthcare facilities have been designated with a unique merchant code. Which are displayed on stickers, danglers and other branding materials at the healthcare facility.
  • Through our mobile application and web system, a customer is also able to know the healthcare facility’s merchant code through entering the facility name under the healthcare facilities feature.
  • On making payments, the customer is able to enter the merchant codes displayed at the health care facility or on the application and web system to confirm whether it’s the exact facility to be paid to.
How long will it take to make a transaction successful? How long will it take to make a transaction successful?

A transaction is successful immediately when the customer enters his or her Pin to confirm approval of the transaction.

How secure is clinicPesa with our money? How secure is clinicPesa with our money?

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.

Can I withdraw my clinicPesa funds? Can I withdraw my clinicPesa funds?

YES.

  • Our individual users can withdraw their savings from their clinicPesa account to their MTN Mobile Money account after a period of 12months with an annual interest rate on savings of up to 5%.
  • You also qualify to withdraw within 6 to 11 months of funds deposited but at a cost equivalent to the accrued interest.
  • Our partnering healthcare facilities can withdraw funds collected on their clinicPesa account to their MTN Mobile Money account or Bank Account any time at a transactional fee of 1% per withdrawal made.
Am I limited to the number of transactions made in a day? Am I limited to the number of transactions made in a day?

our customers can make unlimited transactions with their clinicPesa accounts as long as they are paying from their accumulated savings.

What happens in case there is a technical issue with the system? What happens in case there is a technical issue with the system?

Kindly contact our customer service in case of a technical issue. Customer complaints will be handled with utmost urgency at all times.

How can I reverse money sent on a wrong account/ wrong facility? How can I reverse money sent on a wrong account/ wrong facility?

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.

How do I exit MTN clinicPesa and what happens to my savings? How do I exit MTN clinicPesa and what happens to my savings?

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.

How do I get more information about clinicPesa? How do I get more information about clinicPesa?

You can visit can visit clinicPesa Ltd website at https://clinicpesa.com or email at info@clinicpesa.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/___