clinicpesa
clinicPesa is a Uganda-based healthcare fintech that provides micro-savings and micro-loans for medical expenses via MTN Mobile Money, serving uninsured individuals, maternal health savers, healthcare facilities, and employers through USSD, web, and Android channels.
- Company typePrivate
- Founded2017
- HeadquartersKampala, Uganda
- Headcount11–50
- GTM typeB2B and B2C
- OfferingSoftware
What clinicpesa does
clinicPesa Limited is a private healthcare fintech company founded in 2017 and headquartered in Kampala, Uganda. The company operates a digital micro-savings and micro-loans platform dedicated exclusively to healthcare expenses, targeting uninsured individuals, expectant women, healthcare facilities, and employers in Uganda. Its core product, the clinicPesa Individual Account, enables users to deposit savings starting at UGX 500, set AutoSave standing orders, earn up to 5% annual interest, and access short-term medical loans ranging from UGX 3,000 to UGX 3,000,000. The platform is extended through three additional products: MaMa's Account for maternal health savings, Health Facility Merchant Accounts for provider payment acceptance, and a Business Account for employer healthcare benefits.
The platform is delivered through three access channels: MTN Mobile Money USSD (*165*44#) for feature-phone users, a web portal at web.clinicpesa.com, and an Android application on Google Play Store. All transactional infrastructure runs on MTN Uganda's mobile money rails, with customer savings held in escrow at Equity Bank under Bank of Uganda supervision. clinicPesa generates revenue primarily through a 7% total fee on medical loans (4.2% access fee plus 2.8% interest) and a 1% withdrawal fee on healthcare facility merchant accounts, with late repayment recovery fees up to 8.3%. The company is regulated by the Bank of Uganda, the Uganda Microfinance Regulatory Authority, and the National Drugs Authority, and has secured recognition from the Swiss Re Foundation ($250,000 award in 2021), the Bill & Melinda Gates Foundation i3 program (2022), and Google for Startups ($100,000 in 2022).
clinicpesa firmographics
Firmographics- Name
- clinicpesa
- Legal name
- clinicPesa Limited
- Website
- https://clinicpesa.com
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- clinicPesa is a Uganda-based healthcare fintech that provides micro-savings and micro-loans for medical expenses via MTN Mobile Money, serving uninsured individuals, maternal health savers, healthcare facilities, and employers through USSD, web, and Android channels.
- Ownership category
- akta.pro rank
clinicpesa industry classification
Industry- Product category
- Healthcare Microfinance
- NAICS
- Finance and Insurance (52)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Medical & Healthcare Personal Loans (Unsecured Installment) (FSAKAAAF)
- akta.pro secondary industries
- Medication Pricing, Copay Assistance & Patient Financial Support Tools (HLACAKAN), Medication Adherence & Therapy Management Platforms (refills, reminders, MTM) (HLALAIAG)
Keywords
Where clinicpesa is headquartered
LocationHeadquarters
- HQ city
- Kampala
- HQ country
- Uganda
- HQ region
- Africa
Offices1 record
Markets served
clinicpesa business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Medical Loan Fees: ClinicPesa charges a loan fee comprising 4.2% access fee and 2.8% interest (totaling 7%) on medical loans disbursed directly to healthcare facilities. Late repayments incur an additional recovery fee of up to 8.3%. Loans are repaid within 30 days or rolled over with a 7% roll-over fee.
- Healthcare Facility Withdrawal Fees: Partnering healthcare facilities pay a 1% transaction fee per withdrawal when transferring collected funds to their MTN Mobile Money or bank accounts. Individual users pay no fees for account usage or medical bill payments.
- Interest on Savings: ClinicPesa pays users up to 5% annual interest on their savings balance. Interest is accrued and paid periodically. Individual users can withdraw savings after 12 months free of charge; early withdrawal within 6-11 months incurs fees equivalent to accrued interest.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Individual Account - FREE access with savings and loan features |
| Transaction based/ take rate | Pay-as-you-go | Healthcare Facility Merchant Account - 1% withdrawal fee |
| Subscription | Annual | Business Account - Employee healthcare fund management |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels4 records
clinicpesa product offering
Product offeringCore offering
ClinicPesa operates a digital micro-loans and savings platform dedicated to healthcare financing, accessible via USSD (*165*44#), web portal, and Android app. Individual users save funds (from UGX 500) toward healthcare through MTN Mobile Money, earn up to 5% annual interest, and access short-term medical loans (UGX 3,000 to UGX 3,000,000 with a 7% fee) to pay bills at registered healthcare facilities. The platform extends to maternal health savings, healthcare facility merchant accounts, and employer business accounts.
Product overview
ClinicPesa is a health fintech company operating a unified digital micro-loans and savings platform dedicated to healthcare financing. The core product is the Individual Account, which enables users to save via MTN Mobile Money, earn up to 5% annual interest, and access short-term medical loans (7% fee). This platform is extended through three add-on modules: MaMa's Account for maternal health savings, Health Facility Merchant Accounts for provider payment acceptance, and Business Accounts for employer health benefits. All services are delivered through three channels: USSD (*165*44#), Android mobile app, and web portal. The company operates exclusively in Uganda, partnering with MTN for mobile money infrastructure and Equity Bank for escrow savings custody.
Differentiator
Problem solved
Functional benefit
Products and services
- ClinicPesa Individual Account Mobile money-based healthcare savings account for uninsured adults 18+ with active MTN Mobile Money subscriptions. Users save from UGX 500 minimum, set AutoSave standing orders, earn up to 5% annual interest, and access medical loans from UGX 3,000 to UGX 3,000,000 at a 7% fee to pay bills at registered clinics, hospitals, and pharmacies.
- ClinicPesa MaMa's Account Maternal health savings account for expectant women (ages 18-49), couples, and partners planning pregnancy. Enables saving toward maternity care, birth preparedness kits, transportation, and safe child delivery expenses, with partners able to contribute via Share Medical Fund feature and AutoSave standing orders.
- Health Facility Merchant Accounts Merchant accounts for licensed hospitals, clinics, pharmacies, and drug shops regulated by Uganda Medical Practitioners Council and National Drug Authority. Facilities receive instant full payments from patients, get a merchant code, access credit facilities for inventory restocking, withdraw funds at a 1% fee to MTN Mobile Money or bank accounts, and view financial analytics.
- ClinicPesa Business Account Employer healthcare benefit account enabling companies to fund staff healthcare costs with annual savings, financial analytics, easy tracking of fund usage, and unused balance rollover to the next financial year. Acquired via direct outreach to [email protected] or phone.
Quantifiable outcome
- Savings interest rate of up to 5% annually
- +4 more outcomes
Companies that use clinicpesa
Customer profileSegments4 records
Ideal customer profiles4 records
clinicpesa technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature5 records
clinicpesa partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core and minor.
- MTN UgandacorePrimary technology and distribution partner providing Mobile Money infrastructure. ClinicPesa operates through MTN's USSD menu (*165*44#) and Mobile Money accounts. All users must be registered MTN Mobile Money subscribers. Users require active MTN SIM cards at least 6 months old to qualify.
- Equity Bank UgandacoreEscrow partner for customer savings. All savings are held in escrow accounts with Equity Bank, regulated by Bank of Uganda. Daily reconciliation ensures savings equality. Healthcare facilities can withdraw funds to bank accounts.
- Ministry of Health UgandacoreGovernment regulatory partner. Healthcare facilities must be licensed and regulated by Uganda Medical Practitioners Council under the Ministry of Health. Partnership ensures compliance with national healthcare regulations.
- Financial Sector Deepening Uganda (FSDU)minorFSDU works to deepen financial inclusion in Uganda. Partnership supports ClinicPesa's mission to provide healthcare financing to underserved populations lacking traditional insurance.
- Villgro AfricaminorAfrican healthcare and fintech incubator supporting early-stage health innovators. Partnership provides mentorship and network access for ClinicPesa's healthcare financing platform.
- WHO Africa / AUDA-NEPADminorAfrican Union development agency and WHO Africa regional office sponsor the i3 program, providing strategic direction for health innovation across the continent.
- AmerisourceBergenminorGlobal pharmaceutical sourcing and distribution company sponsoring the i3 program, contributing expertise in health supply chain operations.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
clinicpesa competitors and assessment
Company assessmentDirect peers
- M-TIBA: Kenyan mobile health wallet that lets users save, send, and spend funds specifically on healthcare via M-Pesa. Closest functional peer to ClinicPesa: same mobile-money-anchored health savings and payments model targeting uninsured East Africans.
- CarePay: Nairobi-based health financing and claims platform connecting payers, patients, and providers through mobile wallets. Directly comparable to ClinicPesa on the two-sided model of mobilising healthcare funds on one side and paying providers on the other.
- BIMA: Mobile-first microinsurance and health provider across emerging markets in Africa and Asia. Overlaps with ClinicPesa on delivering healthcare financing to uninsured, low-income users via mobile money and telco partnerships.
- M-Kopa: Kenyan pay-as-you-go financing platform using mobile money for underbanked users. Comparable business model layer: asset/credit financing for the underserved, leveraging telco integrations and agent networks, even though the underlying asset is consumer hardware rather than healthcare.
- Branch International: Mobile lending platform using smartphone and mobile-money data to underwrite underbanked users across Africa. Comparable in alt-data underwriting and micro-credit distribution via telco rails, even though use of funds is general rather than healthcare-restricted.
- Tala: Mobile-based lender using alternative data to extend credit to thin-file borrowers in emerging markets. Comparable underwriting approach and similar product-led customer experience, though operating in different geographies.
Emerging players
- Changamka Microhealth: Pioneering Kenyan maternal-health micro-savings card, closely aligned with ClinicPesa's MaMa's Account in product concept. Operates in a narrower maternal niche and has had a more limited operational footprint in recent years.
Broad incumbents
- MicroEnsure (now BIMA-owned): Long-standing emerging-markets microinsurance and health financing provider, now part of BIMA. Comparable as a larger incumbent offering mobile-anchored health financing across multiple African and Asian markets.
Regional players
- Rocket Health: Ugandan telehealth and digital health provider offering consultations, pharmacy, lab, and home care via mobile channels. Comparable as a Uganda-based digital health platform, though its focus is care delivery rather than dedicated savings/loans.
- SafeBoda: Ugandan ride-hailing and digital payments platform with a strong MTN Mobile Money integration. Comparable as a Uganda-headquartered, mobile-money-native consumer platform, though its core offering is transport rather than healthcare.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
clinicpesa social profiles
Digital presenceclinicpesa compliance and trust
Trust signalCompliance3 records
clinicpesa financial estimates
Financial estimateRevenue estimate
Valuation estimate
clinicpesa leadership team
Management profileNumber of profiles
Profiles2 records
clinicpesa funding detail
Funding detailFunding overview
Funding rounds7 records
Investors7 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
clinicpesa M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about clinicpesa
What does clinicpesa do?
ClinicPesa operates a digital micro-loans and savings platform dedicated to healthcare financing, accessible via USSD (*165*44#), web portal, and Android app. Individual users save funds (from UGX 500) toward healthcare through MTN Mobile Money, earn up to 5% annual interest, and access short-term medical loans (UGX 3,000 to UGX 3,000,000 with a 7% fee) to pay bills at registered healthcare facilities. The platform extends to maternal health savings, healthcare facility merchant accounts, and employer business accounts.
Is clinicpesa a public or private company?
clinicpesa is a private company. It is classified as venture growth investor backed and is currently operating.
When was clinicpesa founded?
clinicpesa was founded in 2017. It employs 11 to 50 people.
Where is clinicpesa based?
clinicpesa is headquartered in Kampala, Uganda, in the Africa region.
How does clinicpesa make money?
Three revenue lines are on record. Medical Loan Fees are the primary driver. The others are healthcare Facility Withdrawal Fees and interest on Savings.
Who are clinicpesa's main competitors?
Direct peers on record are M-TIBA, CarePay, BIMA, M-Kopa, Branch International and Tala. Changamka Microhealth is listed as an emerging player. MicroEnsure (now BIMA-owned) is listed as a broad incumbent. Regional players are Rocket Health and SafeBoda.
Does clinicpesa have an API?
No public API is recorded for clinicpesa.
What industry is clinicpesa in?
clinicpesa's product category is Healthcare Microfinance. Its primary akta.pro industry code is FSAKAAAF, Medical & Healthcare Personal Loans (Unsecured Installment), with a secondary code of HLACAKAN, Medication Pricing, Copay Assistance & Patient Financial Support Tools. Its NAICS code is 52 and its SIC code is 6199.