Afya-Plan is an e-health start-up that provides a group-savings platform to help micro-savings groups pool resources to meet the cost of healthcare for themselves and their families. Micro-savings groups can save for healthcare by making simple weekly or monthly M-Pesa transactions. The savings in their accounts are then used to pay for their healthcare. It is also possible to get loans from the platform which are paid directly to a health facility to cater for the bill. Although health insurance plays an important social role, its distribution in large parts of East Africa is virtually non-existent.

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