M-TIBA

M-TIBA is a service on your mobile phone that allows you to put funds aside for healthcare. Funds stored in M-TIBA can only be used to pay for services and medication at specific healthcare facilities which carry the M-TIBA logo. You can transfer funds from your M-PESA to your M-TIBA. Funds stored in M-TIBA are managed by UAP insurance./p>

  • M-TIBA enables users to set funds aside specifically for healthcare use while M-PESA is a mobile money transfer service.
  • There is no deposit limit on M-TIBA while deposits in M-PESA have a limit.
  • Funds in M-TIBA are dedicated for healthcare use while use of M-PESA deposits is open.
  • Healthcare providers contracted by M-TIBA are checked for quality, availability and cost of services and are committed to better healthcare.

Anyone who is a Safaricom customer above the age of 18 years is eligible to register on M-TIBA.

You must have a duly registered Safaricom SIM card and be a holder of a valid national identity card or passport.

  • There are multiple ways to register on M-TIBA:
    • Simply dial *253# to register
    • An M-TIBA agent will visit you to help you register
    • You can register from any of the facilities that carry the M-TIBA logo
    • You can register by calling our Toll Free line 0800 721253.

No. You can only register one M-TIBA.

All transactions from your own M-PESA to your M-TIBA are free of charge.

  • Step 1 - Go to M-PESA menu
  • Step 2 - Select Lipa Na M-PESA
  • Step 3 - Select PayBill option
  • Step 4 - Enter business number: 300066
  • Step 5 - Enter “mtiba” as the  Number
  • Step 6 - Enter amount you wish to transfer  to your M-TIBA
  • Step 7 – Click OK to confirm details
  • Step 8 - Receive a confirmation SMS from M-PESA
  • Step 9 - Receive a confirmation SMS from M-TIBA

  • You can transfer funds into your M-TIBA as often as you wish. There is no limit to the number of times you can transfer funds from your M-PESA to your M-TIBA.
  • Funds stored in M-TIBA do not expire.

  • Dial *253#
  • Enter your M-TIBA PIN (or press 1 if you have forgotten your PIN)
  • Select option 2: "My MTIBA"

Available products will be displayed along with the available balances

No. there is no set minimum balance for M-TIBA.

The minimum amount you can transfer from M-PESA to M-TIBA is 10 Ksh.

There is no maximum limit of funds you can store on M-TIBA

unds stored in your M-TIBA will stay safe. Your M-TIBA is secured with a PIN which should be known only to you. Do not share your PIN with anyone. The funds stored in M-TIBA are managed by UAP. UAP is a licensed Insurance company and a medical scheme fund manager regulated by the Insurance Regulatory Authority of Kenya.

M-TIBA works with a large network of healthcare providers. Please ask an M-TIBA agent for a list of healthcare facilities participating in M-TIBA in your area or call our Toll Free line on 0800 721253 or visit www.safaricom.co.ke/M-TIBA

Participating healthcare facilities will carry the M-TIBA logo.

  • M-TIBA funds can be used to pay for outpatient healthcare services and medication. The indicative cost for consultation at healthcare facilities participating in M-TIBA in Nairobi is on Average 200 Ksh per person per visit. This excludes the costs of drugs and/or tests that may be prescribed by your doctor. Prices may vary depending on the healthcare facility you chose.
  • The range of outpatient services you can pay for depends on the services your chosen M-TIBA facility can provide and on the amount of funds stored in your M-TIBA. Users are encouraged to save as much as possible to be able to pay for healthcare services in full.

  • Dial *253#
  • Enter your M-TIBA PIN (or press 1 if you have forgotten your PIN)
  • Press 1 to Register a Get Treated
  • Select recent clinic (1, 2, 3) or enter Till Number of clinic you’re visiting (e.g. 465004)
  • Press 1 to Authorize
  • You will receive an in-app message and a SMS with a transaction number

You will receive an SMS notification when you have opened your M-TIBA before getting treated, and another SMS when the healthcare facility has billed your M-TIBA. The SMS sent after your M-TIBA has been billed will indicate the cost of the services and medication and your new M-TIBA balance.

The healthcare facility uses a pre-agreed price list to bill you. You are advised to confirm the cost of a service with the healthcare provider before opening your M-TIBA. However, for any questions, please call our Toll Free line on 0800 721253.

You will get an error message and you will not be able to make a payment.

Yes. You can pay for anyone using your M-TIBA if you add them as a dependant. Dial *253#, Login, select Settings then “Add Dependant”; follow instructions to add dependant. Once the dependant is added you can pay for his/ her treatment and medication.

You can only use M-TIBA to pay bills up to the value of funds you have stored. You can transfer additional funds to your M-TIBA directly from your M-PESA following instructions provided under item 9 above “How do I transfer funds to my M-TIBA?”

  • Step 1 - Dial *253#
  • Step 2 – Enter M-TIBA PIN
  • Step 3 - Select option 9 “Settings”
  • Step 4 – Select Option 1: “Change PIN”
  • Step 5 - Enter Current PIN
  • Step 6 - Enter New PIN
  • Step 7 – Confirm New PIN

You will receive an SMS notification confirming PIN change “Your PIN has been changed”.

Make sure you provide correct details during registration. If you notice certain details are wrong, please call the M-TIBA Toll Free line on 0800 721253 or email This email address is being protected from spambots. You need JavaScript enabled to view it.

To confirm registration status simply dial *253#.

No. This option will become available in the near future. We will inform you when this is active.

TYou will need to call Safaricom customer care and get your SIM card blocked. Then you need to get a replacement for the SIM card at your nearest Safaricom shop. After getting your new SIM card, you can continue using your M-TIBA by dialing *235#.

Yes. Please contact the M-TIBA Toll Free line on 0800 721253 for instructions. You will be asked to provide confidential information to verify ownership. However, you are advised to keep your M-TIBA active.

  • Yes. Please follow the following steps.
  • Step 1 - Dial *253#
  • Step 2 – Enter M-TIBA PIN
  • Step 3 - Select option 9 “Settings”
  • Step 4 – Select Option 3: “Exit Program”
  • Step 5 – Select the program to leave
  • Step 6 – Select option 1: confirm exit
  • Our customer care team will call you within 48 hours to complete the exit process. A confirmation will be made to ensure there are no pending bills. Upon confirmation, your remaining funds will be sent to your M-PESA within 5 working days.
  • Bonus Funds cannot be redeemed and will be returned to the sponsor.

Upon notification of death, by a next of kin by availing of a copy of the death certificate, the M-TIBA account will be in-activated and the remaining funds sent to your M-PESA account within 5 working days.

All information/data in our system is secure and protected using the highest standards.

You can call the M-TIBA Toll Free line on 0800 721253. Alternatively, you can visit http://m-tiba.co.ke/, or email This email address is being protected from spambots. You need JavaScript enabled to view it.

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