Nearly half of all healthcare expenditure in Kenya is currently paid out-of-pocket. This means many Kenyans have no health insurance or access to mechanisms that pay for basic healthcare. This is a burden on low-income homes, with mothers and young children being particularly vulnerable. It is for this reason that Safaricom rolled out M-Tiba- the national roll out of M-Tiba is now underway, with 45,000 people already registered and 60 healthcare providers in Nairobi now operational. The first outlets in Kisumu, Siaya and Mombasa have been signed up this week. The M-Tiba mobile health wallet – developed by Carepay, PharmAccess and Safaricom – allows users to send, save and receive funds to access healthcare services using their mobile phones.