Amsterdam, North Holland

Overall Rank: 264
Category: Payments
Category Rank: 86


Please enter your comment!

Your name and email will not be shared publicly and are used only for internal verification purposes.

Please enter your name here


Back in 2015, CarePay was first established in Kenya with an initial investment from the M-PESA Foundation (funded by M-Pesa, a hugely popular mobile payment system launched by Safaricom/Vodafone) and the Investment Funds for Health In Africa (IFHA). Capitalizing on the mobile (money) revolution in Africa, CarePay partnered with PharmAccess Foundation and Kenyan telco Safaricom to develop a smart payment distribution platform branded as M-TIBA in Kenya. Nowadays, M-TIBA has made a huge impact already, connecting over 4.7 million users and 3,000 healthcare providers. Its scale and growth quickly attracted a growing number of public and private partners, including corporate employers, the Kenyan National Hospital Insurance Fund, institutional donors and private insurers. Since the success of M-TIBA in Kenya, CarePay has opened its HQ in Amsterdam to facilitate the international expansion of the platform to other countries, starting with Nigeria and Tanzania.


Become a Premium Subscriber

Please purchase a premium subscription to continue reading this report.

Subscribe Now

Key Products

CarePay platform

By connecting to the CarePay platform, private initiatives like employee health insurance, commercial health insurance or NGO-sponsored health programs can more efficiently manage their health schemes via the CarePay platform. They provide a full benefit and claims management solution at a much lower cost per life through their platform.

Health Financing Platform

CarePay is a proven health financing platform, helping governments to deliver universal healthcare coverage effectively and efficiently. It revolutionizes the management of large-scale health schemes through its mobile platform.

Key Executives

Onno Schellekens, CEO

Onno Schellekens is the CEO of Carepay, which he first joined in 2015 as a non-voting member of the board. Previously, Schellekens was a Managing Director at PharmAccess Foundation. He currently serves as the Chairman of the Joep Lange Institute, which he has done since 2015. Schellekens earned an MBA from the University of Groningen.

Kees van Lede, Director Finance & Strategy

Kees van Lede is the Managing Director of CarePay. Before joining CarePay, Lede was a Director of M-Health (Mobile Health) at PharmAccess Foundation and before that a Director at Guidion. Earlier in his career he worked with Unilever as a brand development manager for Southern Africa. Lede graduated from Northwestern University – Kellogg School of Management with an MBA and from the Delft University of Technology with an undergraduate degree in applied physics.

Maarten Ras, Director Commercial & Operations

Maarten Ras is the Managing Director of CarePay International. Ras first got his start in 2005 as an Account Manager of Special Asset Management at Rabobank International. From there, he went on to director trade & commodity finance at Rabobank Africa, before eventually rising to regional commercial director at CarePay M-Tiba, his most recent position prior to joining CarePay International. Ras graduated from Utrecht University with an LLM in law and from Stellenbosch University with a master’s degree in Politics and History.

Corporate Responsibility

Across Sub-Saharan Africa, only 2-5% of the people have access to private health insurance. Millions of people are falling into poverty because of high healthcare costs. Lack of trust in governments and institutions, and unaffordability stop people from seeking healthcare treatment and paying upfront. Making healthcare only more expensive because no risks are shared. As prepayments are low, the liquidity is low, and therefore nobody invests. This means the poorer you are – the more you are on your own. It’s a vicious cycle of problems that impact healthcare payers, -providers, and people. And breaking this pattern is hard. Leaving only a select group of people with access to healthcare.

The platform improves the way existing money flows through the healthcare system. Lowering the costs society must pay to get access to good quality healthcare.

The administration is digital and mobile-based. Administration costs come down. There’s less fraud. Hospitals are paid much faster. Better rates are unlocked. Leading to affordable and accessible healthcare covers.

Customer Insights

”I love collaborating in a fast-paced international environment with colleagues from over 25 nationalities to make sure that access to good healthcare is a right and not a privilege” – Leonoor, Payer & Provider Propositions


“It’s really important to me to decide where I work at my best – be it at home or the office” – Mei Mei, UX Designer


“I enjoy taking ownership of my work and getting the freedom to decide where I can have the most impact and value with my structured and methodical approach to problems” – Collin, IT Area Lead


“Self-development and professional growth are key for me. I’m grateful for the opportunities that CarePay offers me to accelerate my career in TechInnovation” – Shravan, IT Lead