Your health shouldn't be a grudge purchase. Stop losing money on insurance premiums you never use.
With Afyanim, your health money is saved, invested, and grown in a secure Money Market Fund. Save individually or in Chamas.
Afyanim is a dedicated HEALTH-ONLY savings and investment platform. Your money goes into a regulated MMF, grows daily, and is strictly reserved for healthcare.
Deposit via M-Pesa. Your money is immediately invested in a secure, government-backed Money Market Fund. Watch it grow daily. Principal never at risk.
Form groups with family or friends. Pooled funds grow together. When a member faces an emergency, vote to instantly release funds to hospitals.
Walk into a hospital, cashier selects Afyanim. You get a prompt, enter PIN, and the hospital is paid instantly. No authorization calls.
Invested in Treasury Bills and Bonds — the safest financial instruments in Kenya.
Managed by CMA-regulated Fund Manager and held securely by Tier 1 Custodian.
Liquidate easily to your M-Pesa. Access your cash quickly when life forces your hand.
As a Kenyan, you already contribute to SHIF. If you work in the formal sector, your employer provides workplace health insurance. If you're in tea, coffee, sugar, or plantation farming, you're covered by industry schemes. But these covers have limits, delays, and approval bureaucracies. Afyanim fills the gap.
Your personal health savings and investment account. Money that grows daily, used only when you're sick, approved only by you.
Think of it this way: SHIF handles the government-mandated basics. Your workplace scheme covers the huge bills. And Afyanim is your personal, liquid, growing health fund that handles everything else — fast outpatient visits, scans, pharmacy runs, specialist consultations, and admission deposits — all without a single phone call to an insurance desk.
Your money is invested for you. It grows. And it's always there when you need it. Whether you're saving alone, with your family, or in a Chama with colleagues — Afyanim turns health spending from a loss into an asset.
Traditional health insurance takes your money, adds it to a pool of strangers, and decides for you when and how much to pay. With Afyanim, your money stays yours. It grows. And you control every single transaction.
Your money is held by a Tier 1 Custodian Bank. Safely guarded at all times.
Health savings earn returns every single day through government securities.
Funds strictly reserved for healthcare. When sickness strikes, you're ready.
Members vote to release pooled funds during emergencies instantly.
Deposit via STK push. No smartphone required for basic USSD operations.
Beneficiaries receive your full balance and profits if the worst happens.