Verified identity
Your National ID is checked so that financing is issued to a real, verified person and not to someone using your details.
For patients
Care now, paid for over time
TibaPay exists for the moment when treatment is needed and the full amount is not available today.
What you get
TibaPay is not a cash loan. It settles a verified bill at a partner hospital so you can be treated, and you repay that amount in instalments you agreed to in advance.
- The hospital is paid directly for your treatment
- Costs are stated in full before you accept anything
- Repayment by mobile money from your phone
- Your balance and next due date always visible
- Early repayment is allowed
What you will need
Checklist
- A Ugandan phone number you can receive messages on
- Your National ID
- A mobile money account in your own name
- A bill raised by a partner hospital
- To be an adult resident in Uganda
Meeting these does not by itself mean an application will be approved.
Eligibility
How applications are assessed
Financing is offered only where the repayments look manageable for you. That protects you as much as it protects us.
The hospital bill
The amount is taken from a bill raised by the partner hospital, so financing matches genuine treatment costs.
Your repayment history
How previous TibaPay financing was repaid is taken into account when assessing a new application.
Struggling to pay?
Talk to us early
If you think you will miss an instalment, contact us before the due date. We would far rather hear from you early than chase you late.
- Get in touch through the app or by email
- Explain what has changed
- We will tell you what options exist
Missing payments may lead to additional costs and can affect future applications.
Your money, your record
No surprises after you accept
The service fee and total repayable are fixed at the moment you accept. TibaPay does not add charges afterwards for the financing you agreed to.
Every payment you make is recorded against your balance, and each instalment is receipted in the app so you always have proof of what you have paid.
Your data
What we do with your information
You are sharing identity documents and health-related context. That deserves care.
Encrypted before storage
Identity documents are encrypted and are never available from a public web address.
Limited, recorded access
Only reviewers who need to see a document can open it, and each access is logged.
Deletion on request
Ask us to erase your account from the app. Records we must keep by law are retained, and we tell you which.
Apply for healthcare financing
Register, verify your identity once, and request financing against your hospital bill.