Create your account
Register with your phone number and complete identity verification once.
Healthcare financing in Uganda
Get treated today.Pay over time.
A hospital bill rarely arrives when you have the money for it. TibaPay helps eligible patients pay a partner hospital now and repay in clear instalments, so treatment does not have to wait for payday.
Financing is subject to eligibility checks. Not every application is approved.
What you see before you accept
Example
- Hospital bill
- UGX 150,000
- Service fee
- Shown upfront
- Total repayable
- Shown upfront
- Instalments
- Fixed dates
An illustration of the summary screen, not an offer. Your own figures depend on the hospital bill and the outcome of your application.
How TibaPay works
Four steps, start to finish
From creating an account to your final instalment, every stage happens in the app.
Request financing
Your partner hospital raises the bill. You request financing against it in the app.
Review the terms
See the amount, the service fee, the total repayable and the dates before you accept.
Repay in instalments
Pay by mobile money on the agreed dates. Your balance updates in the app.
Why patients use TibaPay
Built around how care is actually paid for
Care is often needed before money is available. TibaPay is designed for that gap.
Treatment need not wait
Once financing is approved and accepted, TibaPay pays the partner hospital directly for the bill.
Costs stated before you accept
The service fee, total repayable and each due date are shown in full. Nothing is added afterwards.
Everything on your phone
Apply, accept and repay by mobile money from the app. No paperwork to carry between offices.
One clear balance
Your outstanding amount and next due date are always visible, so nothing is a surprise.
Paid to the hospital
Financing settles the bill with the partner hospital rather than being disbursed as loose cash.
Your data stays private
Identity documents are encrypted and visible only to reviewers who need them.
Flexible repayment
Instalments you agree to in advance
Before anything is approved, you see the full repayment schedule: how much is due, and on which dates. You accept those exact terms or you walk away.
- Repay by mobile money from the app
- Fixed instalment dates agreed before you accept
- Balance and next due date always visible
- Pay earlier than scheduled if you are able to
- Reminders before a payment falls due
Repayment schedule
Illustration
- Instalment 1
- Agreed date
- Instalment 2
- Agreed date
- Instalment 3
- Agreed date
- Method
- Mobile money
The number of instalments and the amounts depend on the bill financed and the terms you are offered.
What you will need
Before you apply
- A Ugandan phone number you can receive messages on
- A National ID for identity verification
- A mobile money account in your own name
- A bill raised by a TibaPay partner hospital
Meeting these does not by itself mean an application will be approved.
Eligibility & applying
What we look at
TibaPay is available to adults in Uganda receiving treatment at a partner hospital. Every application is assessed individually, and financing is offered only where the repayments look manageable for you.
Assessment considers your verified identity, the hospital bill, and your repayment record with TibaPay. Approval is never guaranteed, and the amount offered may be lower than the amount requested.
Security & privacy
Treated with the seriousness health data deserves
Medical circumstances and identity documents are among the most sensitive information a person can share. They are handled accordingly.
Encrypted documents
Identity documents are encrypted before storage and are never served from a public address.
Access on a need-to-know basis
Only reviewers handling your application can open your documents, and each access is recorded.
You can ask us to erase your data
Request deletion from the app. Records we must retain by law are kept, and we tell you which.
For hospitals & healthcare providers
Treat the patient. Get paid for the bill.
Partner hospitals raise a bill in TibaPay for a patient who wants to spread the cost. When financing is approved and the patient accepts, TibaPay settles that bill with the hospital.
- Raise and track bills from a hospital dashboard
- Payouts made against verified, accepted financing
- Your team manages its own cashier and admin accounts
- Every bill and payout carries a reference you can reconcile
Fewer abandoned treatments
Patients who cannot pay the full amount today have a route other than postponing care.
Less cash handling
Financed bills are settled electronically against a reference rather than collected over the counter.
Clear reconciliation
Each bill, financing decision and payout is recorded and traceable end to end.
Questions
Frequently asked
If your question is not answered here, please get in touch.
Who provides the financing?
TibaPay is a product of Kuula Microfinance Company Limited, which is the lender of record for financing arranged through the app.
Can I use TibaPay at any hospital?
No. Financing is available for bills raised by hospitals that have partnered with TibaPay, because the bill has to be verified and paid directly to the provider.
Will my application definitely be approved?
No. Every application is assessed individually and approval is not guaranteed. The amount offered may also be lower than the amount requested.
What does it cost?
A service fee applies to financing. The fee, the total repayable and every due date are shown in the app before you accept, and nothing is added afterwards.
How do I repay?
By mobile money from within the app, on the dates you agreed when accepting the terms. You can also repay earlier than scheduled.
What happens if I cannot pay an instalment?
Contact us before the due date. Missing payments may lead to additional costs and can affect whether you are offered financing again, so it is always better to talk to us early.
What documents do I need?
A National ID for identity verification, a Ugandan phone number you can receive messages on, and a mobile money account in your own name.
How is my personal information used?
It is used to verify who you are, assess your application and manage repayment. Identity documents are encrypted and access is limited and recorded. See the privacy policy.
Ready to apply?
Create an account, verify your identity once, and request financing against your hospital bill.