Mobile technology is everywhere today. And nowhere is this more apparent than with the mobile phone. The vast majority of people, regardless of their economic situation, now have access to what is basically a mobile super-computer that connects people at almost zero marginal cost. This low-cost digital relationship has revolutionized business models across the world, not least in the use of mobile phones as financial tools to pay for goods and services. For many people, their phone is already a primary means of handling money. Together with partner MTN Nigeria, CarePay has the ambition to jointly grow health insurance coverage among millions of Nigerians.