For patients and their families in Kenya
Pay your hospital in India from Kenya, in shillings.
- Pay by M-Pesa or bank transfer
- Collect for payment from family members
- At the hospital in 1 to 2 days
Paying in shillings
Payments viaRBI-authorised partners
Pay hospitals like
- Fortis
- Manipal Hospitals
- Aster Hospitals
Paying a hospital in India from Kenya is harder than it should be.
- 1
Treatment waits for the wire
A bank transfer to India takes 5+ days to show up. The hospital starts treatment only once it has landed.
- 2
The bill comes due when you are in a ward
The balance is asked for before surgery, when you are in India and your bank is in Kenya. Your family can pay it from home, in shillings.
- 3
What if I pay and then can’t travel?
Paying before you fly feels risky. Get guaranteed refunds for the treatment in case your plan changes.
On a $4,500 hospital bill, what you lose on the way
Bank wire charges
2.8%
−₹11,701
Pleny’s fee, all in
1%
−₹4,236
Rupees at today’s mid-market rate. Pleny’s 1% includes the exchange rate and bank fees. Bank wire: a typical $15 sending fee, $20 bank cut and 2% FX markup; yours may differ.
A bank wire costs you time and money.
A bank wire takes 5+ days to reach the hospital. With Pleny it takes 1 to 2 days.
WhatsApp usSee where your money is, right now.
Every step and every deduction, until the hospital has it.
Payment WANJIKU-4471
Now: Your M-Pesa or bank, Kenya
Your M-Pesa or bank, Kenya
KES 584,700
Partner bank account
KES 584,700
Licensed partners
₹4,19,390
Converted to INR
Hospital bank
₹4,19,390
Every shilling accounted for
KES 584,700 sent = ₹4,23,626
Pay the way you already pay.
M-Pesa, bank, or the whole family.
Pay in shillings from Kenya. Relatives can each send their part to one account, and it reaches the hospital as one payment in your name.
- You pay in shillings
- The hospital gets rupees, in your name
You pay
KES 584,700
Hospital receives
₹4,19,390
How it works
Wanjiku, a patient from Nairobi, pays her hospital in India $4,500.
- 1
Wanjiku or her family pays in shillings
By M-Pesa or a normal bank transfer, to the account we give her.
M-Pesa or bank transfer
KenyaToPleny (licensed partner)BankPartner bank, NairobiAccount0123 4567 8901ReferenceWANJIKU-4471Amount
KES 584,700
about $4,500
Send KES 584,700 - 2
Our licensed partner brings it to India
It collects the shillings in Kenya and moves the money over regulated rails.
In transit
Tracking- Received in Kenya
- Converted at mid-market
- On its way to India
- 3
The hospital is credited in her name
In rupees, against her name, so the hospital knows whose bill it is.
Credited to the hospital
₹4,19,390
Patient: Wanjiku, Kenya
She sentKES 584,700Value$4,500Pleny fee (1%)− ₹4,236Hospital receives₹4,19,390Booked against her name
Example only. Account details are placeholders.
Who’s building Pleny
Built by founders from IIT Kharagpur, Goldman Sachs and Amazon who previously built payment products that processed $20M+. Backed by Alliance.
IIT Kharagpur
MathWorks
FAQ
Is this legal?
Yes. Payments go through RBI-authorised partners and reach India as an inward remittance with the right purpose code, which is how a hospital has to receive money from a patient abroad.
Do you hold my money?
No. It goes from you to a licensed payment partner, and from there to the hospital’s bank account.
What does it cost?
One fee: 1% of the payment, all in. That covers the exchange rate, bank fees and ours.
How long does it take?
The money reaches the hospital in 1 to 2 days. A bank wire usually takes 5+ days.
Can my family pay for me?
Yes. Relatives in Kenya can each send their part in shillings, by M-Pesa or bank, and it reaches the hospital as one payment in your name. That works while you are already in India too.
What if I pay and then can’t travel?
You get a guaranteed refund for the treatment if your plans change. Message Janet and she will walk you through it.
Which hospitals can I pay?
Tell us which hospital in India you are going to, and we will confirm before you pay anything.
Get help paying your hospital
We are starting with a small group of patients and families in Kenya. Leave your WhatsApp number, or message us now.
Rather talk it through? Book a call.