The new service replaces a smart card clients have been using to access treatment at health facilities.

The move comes as health insurers grapple with low uptake and rising cases of fraud and as the industry increasingly turns to technology as a distribution channel.

AAR managing director Nixon Shigoli said the mobile platform, M-Tiba, developed and managed by CarePay, allows clients to access their medical benefits via mobile phones.

The new platform will also help curb fraud by creating transparency of medical expenses for the client, insurer and provider. It also gives clients control of their benefits.

“Our clients do not have to walk around with medical cards as they can now use their phones to access treatment services at health facilities. Besides convenience, we are empowering our customers to manage claims by tracking how much they have spent at the health facility,” Shigoli said.

To activate the service, one dials a USSD code *253# and inputs their PIN. They then follow the prompts to access services and authorize the health care provider to give the service.