The National Hospital Insurance Fund (NHIF) has been focusing its efforts to recruit members from the informal sector in a bid to achieve Universal Health Coverage. Further, NHIF has also engaged strategic partners to cover the indigents. This meant that there was need for innovations to meet the needs of this target group. One area of concern was how NHIF would collect insurance premiums from members in the informal sector. The need for members to visit NHIF offices or banks to make payments was time consuming and costly- in some instances the cost of transport was more than the premiums to be paid. To address this challenge, NHIF partnered with a mobile money service provider to facilitate the payment of premiums through mobile phones (M-PESA). NHIF integrated its system with the M-PESA platform and members were able to pay their premiums using their mobile phones and get confirmations of the same. This meant enhanced access to benefits since members were able to conveniently make their payments. This service is available across the country even in the remote areas.