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.

You can set aside funds either daily, weekly or monthly and can even set a standing order (AutoSave). When sick you can use these funds to offset your families or self’s medical bills or purchase medicine at a clinicPesa registered health care facility.

* 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 free 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.

* 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.”

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 18-49), women of reproductive age (18-49) who are planning to become pregnant and men who are pregnant or planning to become pregnant partners (ages 18-49).

Healthcare Facilities

clinicPesa reserves the right to verify with MTN Uganda the authenticity and status of your MTN Line.

Formal and informal healthcare facilities that include hospitals, medical centers, clinics, pharmacies and drug shops that are licensed and regulated by the Uganda Medical Practitioners Council and National Drug Authority established under the relevant national laws under the ministry of health.

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 Practitioners Council and National Drug Authority established under the relevant national laws under the ministry of health.

No, usage of our mobile application and web system requires data.

But you can access our services without mobile data through MTN USSD (*165*44#)

Via MTN (*165*44#)

Dial *165*44#, 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.

Request an account with clinicPesa by visiting https://register.clinicpesa.com and filling out the online registration form, then submit the relevant requirement documents as requested on the portal. clinicPesa will send its field team to finalize the onboarding process upon verification.

Upon confirmation, your clinicPesa account will be created, and a 6-digit merchant code will be issued. You can start transacting with ClinicPesa via MTN USSD *165*44#, our mobile Android application, and our Web system web.clinicPesa.com.

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*44#.

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.

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

A customer is able to save using either;

MTN USSD (*165*44#)

Dial *165*44#, select 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

The clinicPesa mobile application and Web system

* Select deposit for self

* 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

You can make payments with clinicPesa at any of our partnering healthcare facilities by using the MTN USSD (*165*44#), our mobile android application and even via our Web system, web.clinicPesa.com

Via MTN (*165*44#)

* Dial *165*44#.

* 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.

On the App and Web

* Login.

* Select Pay medical bill

* 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.

* The users enter health facility code, enter amount and reason and they Confirm the payment transaction with their clinicPesa PIN on App & Web and MoMo PIN on *165*44# to confirm.

* The facility can also initiate a payment for the users and the user confirms this initiation by entering their clinicPesa PIN on App & Web and MoMo PIN on *165*44# to approve the initiation.

Immediately after the customer has confirmed the initiation with their pin

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.

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.

* 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.

* 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.

* 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.

* Yes. 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.

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.

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.

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

No, clinicPesa is a fintech company that provides a 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.

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

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

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.

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

No. clinicPesa is not related to AYO.

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

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

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.

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

* 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.

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

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.

* 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.

NO. our customers can make unlimited transactions with their clinicPesa accounts as long as they are paying from their accumulated savings.

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

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.

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.

You can visit clinicPesa Ltd’s website at https://clinicpesa.com or email at info@clinicpesa.com, WhatsApp or call our office numbers +256-393225880 and +256-326225880. You can also visit MTN Uganda’s website https://www.mtn.co.ug