For insurance underserve, clinicPesa extends a secure, affordable and convenient healthcare micro saving and credit line versus expensive insurance by providing a platform to set aside cumulative healthcare funds. More than 78% of the East African population do not have health insurance and are unprepared to meet the cost of life-saving health services. Injured or sick people who do not have enough money in hand to pay for medical care are often turned away. Leveraging the popularity and existing infrastructure of mobile money, clinicPesa will enable individuals to conveniently set aside funds for future health services through their mobile phones. The platform will also allow users to top-up their funds and repay the amount later if they don’t have enough money at the moment of needing medical care.