TibaSalama+ (PLUS)

• Community-based registration: Women are enrolled by trained Community Health Workers (CHWs) using their NIDA number or mobile phone.
• Micro-contributions: During pregnancy, women contribute small, flexible payments into their personal maternal health fund through the e-Health Mom platform.
• Emergency support: Additional top-up funds are made available during childbirth to cover urgent health needs.
• Digital recognition: Partner health facilities and financial institutions recognize the digital coverage for seamless service delivery-no physical card is required.
• Continued coverage: After delivery, the newborn is linked to ongoing child health services through age five, including immunization, growth monitoring, and nutrition support.

• Affordable access to care: Reduces out-of-pocket costs for maternal and child healthcare.
• Financial empowerment: Encourages a saving culture and self-reliance among women.
• Integrated support: Connects to broader economic initiatives such as microloans and entrepreneurship programs.
• Health equity: Ensures vulnerable women and children receive timely and quality care regardless of income level.
• Foundation for future services: Lays the groundwork for long-term health financing options, including maternity insurance, postnatal support loans, and digital health savings accounts.