Frequently asked questions
Is ZaziPoa a loan?
No. You pay for your care in advance, a little each week. There is no interest and nothing to pay back.
Why not just save the money myself?
Money at home often gets spent on other needs. With ZaziPoa it is already at your clinic, your price is locked in, you get weekly reminders, and your care is paid for when labour starts. See the Why ZaziPoa page for all the benefits.
Where does my money go?
Straight to your clinic's own M-Pesa or Airtel Money pay code. ZaziPoa never holds your money.
How does the clinic know I paid?
After paying, enter the amount and the transaction ID from your mobile money SMS on your ZaziPoa page. The clinic confirms it against their records.
Does ZaziPoa charge me?
No. ZaziPoa is free for mothers. Clinics pay us a monthly plan fee, with no commission on mothers' payments.
What if I miss a week?
That's okay. Pay more the next week. We'll remind you what's left.
What if I haven't paid everything by my due date?
Your clinic can see what you have paid. Talk to them about paying the balance at delivery.
What if I need to change clinic or stop my plan?
Contact your clinic and ZaziPoa. Refunds and transfers follow the agreement with your clinic.
Is ZaziPoa health insurance? What about SHA?
No. ZaziPoa is not insurance. It helps you pay your clinic in advance for a maternity package. If you are registered with SHA or another insurer, ask your clinic what your cover pays for, and use ZaziPoa for the rest.
How do I pay with M-Pesa?
If your clinic uses a Till number, choose Lipa na M-Pesa, then Buy Goods. If it uses a Paybill, choose Pay Bill and use your ZaziPoa card code as the account number. Then enter the M-Pesa code from your SMS on your ZaziPoa page.
How do clinics join?
They register online. We verify their licence and pay code before mothers can choose them.