This the complete Guide on How Much is Jubilee Insurance Medical Cover in Kenya? Jubilee Insurance stands as one of Kenya’s premier providers of medical insurance, recognized for offering a diverse array of health cover packages tailored to various financial and medical needs.
As the demand for quality healthcare services surges, more Kenyans are turning to medical insurance to manage the escalating costs of medical care.
Whether you’re seeking coverage for personal health, family members, or corporate groups, Jubilee Insurance presents a variety of options to meet these needs.
In this comprehensive guide, we will delve into the cost of Jubilee medical cover in Kenya, detail the different packages available, and outline the requirements for applying for coverage.
Additionally, we will explore the interest rates on savings with Jubilee Insurance and provide a step-by-step guide on how to apply for these medical covers.
What Are the Different Jubilee Insurance Medical Cover Packages?
Jubilee Insurance offers several medical cover packages tailored to meet the diverse needs of individuals, families, and corporate groups.
These packages include comprehensive benefits, ranging from outpatient services to specialized treatment coverage. Below are the primary Jubilee medical cover packages and their details: # Jubilee Insurance Medical Cover Packages
>> Jubilee Personal and Family Medical Cover
The personal and family medical cover from Jubilee Insurance provides healthcare solutions to individuals and families. This package ensures that you and your loved ones are well-covered in case of health-related issues.
The coverage includes both outpatient and inpatient services, maternity cover, dental, and optical services.
| Package | Outpatient Cover | Inpatient Cover | Dental/Optical Cover | Maternity Cover | Annual Premium (Ksh) |
| Bronze Plan | Ksh 50,000 | Ksh 500,000 | Ksh 20,000 | Ksh 75,000 | From Ksh 50,000 |
| Silver Plan | Ksh 100,000 | Ksh 1,000,000 | Ksh 30,000 | Ksh 100,000 | From Ksh 100,000 |
| Gold Plan | Ksh 200,000 | Ksh 2,000,000 | Ksh 40,000 | Ksh 150,000 | From Ksh 200,000 |
| Platinum Plan | Ksh 300,000 | Ksh 3,000,000 | Ksh 50,000 | Ksh 200,000 | From Ksh 300,000 |
Coverage Details of Jubilee Personal and Family Medical Cover
- Inpatient Services: This plan covers hospital accommodation, doctors’ fees, surgeries, prescribed medications, maternity care, and intensive care unit (ICU) expenses.
- Outpatient Services: It includes consultation fees, laboratory tests, X-rays, prescribed drugs, physiotherapy, and general outpatient treatment.
- Maternity Cover: Jubilee Insurance offers a comprehensive maternity package that includes antenatal care, delivery, and postnatal care services.
- Dental and Optical Cover: Both basic and specialized treatments are covered, including corrective surgery and routine check-ups.
- Chronic Conditions and Pre-existing Illnesses: Conditions such as hypertension, diabetes, and asthma are included in the coverage.
Associated Costs with Jubilee Personal and Family Medical Cover
Premiums:
The Family Shield Cover premiums start at KES 35,000 per year for individuals. The cost for families depends on the number of dependents.
Inpatient Limit:
The coverage ranges from KES 500,000 to KES 5 million, depending on the selected plan.
Outpatient Limit:
The coverage ranges from KES 50,000 to KES 200,000.
>> Jubilee Corporate Medical Cover
Designed to cater to employees in corporate organizations, this package is flexible and customizable to meet the needs of companies, ranging from small businesses to large corporations.
The corporate cover provides a comprehensive healthcare solution for employees and can be tailored to suit the employer’s budget and preferences.
| Employee Plan | Outpatient Cover | Inpatient Cover | Dental/Optical Cover | Maternity Cover | Annual Premium (Ksh) |
| Basic | Ksh 75,000 | Ksh 750,000 | Ksh 20,000 | Ksh 100,000 | Customized per company |
| Intermediate | Ksh 150,000 | Ksh 1,500,000 | Ksh 30,000 | Ksh 150,000 | Customized per company |
| Comprehensive | Ksh 300,000 | Ksh 3,000,000 | Ksh 50,000 | Ksh 200,000 | Customized per company |
Jubilee’s corporate plans often come with wellness programs, occupational health services, and mental health coverage for employees.
>> Jubilee Afya Medical Cover
Jubilee Afya is designed for low-income earners and provides affordable health insurance options. This package is ideal for Kenyans who may not afford the premium plans but still need access to essential medical services.
| Plan | Outpatient Cover | Inpatient Cover | Maternity Cover | Annual Premium (Ksh) |
| Afya Basic | Ksh 30,000 | Ksh 300,000 | Ksh 50,000 | From Ksh 10,000 |
| Afya Enhanced | Ksh 50,000 | Ksh 500,000 | Ksh 75,000 | From Ksh 20,000 |
- Affordable Premiums: These packages are priced lower, allowing individuals to access healthcare without financial strain.
- Coverage: Includes essential services like consultations, hospital stays, and delivery services.
>> Jubilee Senior Citizen Medical Cover
This cover is designed specifically for individuals over the age of 60. It provides comprehensive coverage to ensure the elderly receive quality healthcare during their later years.
| Plan | Outpatient Cover | Inpatient Cover | Annual Premium (Ksh) |
| Senior Basic | Ksh 100,000 | Ksh 1,000,000 | From Ksh 120,000 |
| Senior Comprehensive | Ksh 200,000 | Ksh 2,000,000 | From Ksh 240,000 |
Geriatric Care: Includes specialized care for conditions related to aging, such as arthritis, diabetes, and heart conditions.
Each of these packages provides different levels of care to match your financial capabilities and medical needs.
The premium amounts depend on factors such as age, medical history, and the level of coverage selected. Jubilee Insurance is highly flexible in creating tailored solutions for its clients, allowing for the combination of different benefits to meet specific needs.
What is the Interest Rate on Jubilee Insurance Savings?
Beyond their medical insurance packages, Jubilee Insurance also offers various savings plans designed to help individuals build a secure financial future.
These savings plans provide a return on investment, allowing policyholders to accumulate wealth over time. The competitive interest rates make these plans an attractive option for anyone looking to grow their savings.
Typically, the interest rates on Jubilee Insurance savings range between 3% and 5% per year, depending on the specific plan. For example, Jubilee Life Insurance policies, such as the Jubilee Wealth Protector and Jubilee Save and Protect, provide opportunities for clients to grow their funds while enjoying life insurance benefits.
The interest earned on these savings is credited to the policyholder’s account at the end of the financial year.
- Jubilee Wealth Protector: Offers up to 4.5% interest annually and includes life insurance coverage.
- Jubilee Save and Protect: Provides up to 5% interest annually, combining savings with life insurance.
These savings plans are meticulously designed to offer both financial growth and security, making them perfect for long-term financial planning. By investing in these plans, policyholders can ensure they benefit from the dual advantages of accumulating wealth and having life insurance coverage.
How to Apply for Jubilee Insurance in Kenya?
Applying for Jubilee Insurance in Kenya is a straightforward process that requires you to meet a few requirements and submit the necessary documentation.
Whether you’re applying for a personal, family, or corporate medical cover, or any other product, the process remains largely similar. # Apply for Jubilee Insurance
Requirements for Applying for Jubilee Insurance in Kenya
Identification:
- National ID or Passport: Proof of identification is essential for all applicants.
Income Verification:
- Proof of Income: Some packages may require income verification to determine eligibility or calculate premiums.
Medical History:
- Medical Records: For medical insurance, you might need to provide your medical history or undergo a medical examination.
Tax Documentation:
- KRA PIN: For tax purposes, applicants must provide their Kenya Revenue Authority (KRA) Personal Identification Number.
Necessary Documents
- Completed Application Form: Available at Jubilee offices or their website.
- Copy of ID/Passport: For identification verification.
- Passport-sized Photos: Needed for record-keeping.
- Medical Report: Required for certain health insurance covers, especially if you have pre-existing conditions.
Application Process
- Initiate Application:
Visit a Jubilee branch or their website to start the application process.
- Document Submission:
Provide all necessary documents, including proof of identity, KRA PIN, and medical reports if applicable.
- Plan Selection:
Choose the insurance plan that best fits your needs.
- Payment:
Pay the premiums, either in full or through installments based on the chosen package.# Apply for Jubilee Insurance
- Receive Confirmation:
Once your application is processed, you will receive confirmation of your insurance cover.
How Much is Jubilee Insurance Medical Cover in Kenya?
The cost of Jubilee health insurance in Kenya varies depending on the specific plan and coverage you choose.
Here are some of the key options:
| Plan | Annual Premium (Ksh) | Coverage |
| J-Care Individual/Family Health Cover | 25,700 – 35,500 | Inpatient, outpatient, pre-existing conditions, telemedicine, COVID-19 hospitalization, wellness program |
| J-Senior Health Cover | Varies | Cover for senior citizens (60-70 years), hospice and home nursing services, telemedicine |
| J-Junior Health Cover | Varies | Stand-alone cover for children aged 0-17 years |
| CoverBora Medical Cover | 6,200 (individual) / 12,600 (family) | Comprehensive inpatient cover, maternity benefits, last expense |
These plans offer a range of benefits, including hospitalization expenses, ambulance charges, telemedicine services, and wellness programs. The exact premium will depend on the specific package and the number of dependents covered.
Would you like more details on any specific plan? Read About Primary Health Care Fund and Social Health Authority (SHA)
Conclusion
Jubilee Insurance offers a variety of medical cover packages designed to cater to the diverse needs of individuals, families, and corporate groups in Kenya. The costs associated with these packages vary based on the level of coverage and the specific plan chosen.
With premiums starting as low as KES 6,200 for individual plans and ranging up to higher amounts for comprehensive family or corporate covers, there is a suitable option for everyone.
Beyond medical covers, Jubilee Insurance also provides savings plans with competitive interest rates, adding further value for policyholders. The ease of applying for and paying for Jubilee Insurance, combined with the extensive benefits and financial security it offers, makes it a valuable choice for anyone looking to secure their health and financial future in Kenya.
By understanding the different packages and their costs, you can make an informed decision that best meets your healthcare and financial needs.
