ClinicPesa from Uganda provides savings and insurance options based on micro-transactions, which involve customers transferring small amounts of money to their account when they can afford to do so. The funds, which are transferred using SMS (USSD code), WhatsApp, Telegram, the Facebook web app or ClinicPesa’s homepage, build a small pot of savings that can be used to access basic healthcare when needed. When the savings go unused due to good health, the account pays out bonuses that accumulate over time. In addition, account holders’ funds can be used to offset medical bills and pay for medicines when needed at any registered clinic, hospital or pharmacy. ClinicPesa has recently begun encouraging small businesses to set aside funds for their employees using the same micro-saving/insurance model.