Photo: Maria Immaculata Hospital, Wikimedia Commons, CC BY-SA 4.0Jubilee insurance medical cover packages and prices in Kenya
Plans, waiting periods and hospitals
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Get free quotesOn this page · 11 sections
- Jubilee's medical cover packages and prices at a glance
- The packages Jubilee lists for individuals and families
- CoverBora: Jubilee's lowest published price
- J-Care: inpatient limits and yearly premiums
- J-Care Johari: the two-plan package
- Waiting periods, exclusions and the SHA question
- Hospitals: the panel and the co-payments
- J-Biz: Jubilee's medical cover for small businesses
- How to buy a Jubilee medical cover
- FAQ
- Sources
Jubilee's medical cover packages and prices at a glance
The lowest price Jubilee publishes is CoverBora, from KES 6,200 a year for one person, inpatient only. The highest limit is J-Care Prestige, KES 10,000,000 a year per family, with outpatient, maternity, dental and optical as options. J-Care Johari bundles inpatient and outpatient from KES 25,564; J-Biz, for businesses, has no published price.
| Package | For whom | Inpatient limit a year | Outpatient | Lowest yearly premium Jubilee publishes |
|---|---|---|---|---|
| CoverBora | One person, or up to 5 family members | KES 250,000 (individual), KES 500,000 (family) | None listed | KES 6,200 (individual), KES 19,600 (family) |
| J-Care | Individuals and families, birth to 64 | KES 500,000 (Classic) to KES 10,000,000 (Prestige), per family | Optional, from KES 26,555 per person | KES 21,316 (Classic, principal aged 18–30, inpatient only) |
| J-Care Johari | Main member and spouse aged 18 to 60 | KES 200,000 (Plan A) or KES 400,000 (Plan B) | Included: KES 40,000 or KES 50,000 | KES 25,564 (Plan A, main member alone) |
| J-Biz | Registered businesses with at least 3 members | KES 250,000 to KES 10 million | Optional add-on | On quote: Jubilee publishes no price |
Every price is a starting price from Jubilee's own J-Care brochure, Johari brochure, CoverBora page and J-Biz page, checked between 21 and 28 October 2026. Your premium depends on the ages of the people covered and the limit you choose, so it will differ. The details of each package follow. To compare a Jubilee quote with other licensed insurers for the same cover, ask for quotes.
The packages Jubilee lists for individuals and families
Jubilee Health Insurance's J-Care brochure ("effective 1st December 2023", the edition online when we checked in September 2026) and its J-Care Johari brochure describe these covers. What follows is Jubilee's own statement, not a rating.
- J-Care — the family cover: an inpatient core plan at one of six levels (Classic, Premier, Advanced, Executive, Royal, Prestige), to which you can add outpatient, maternity, dental, optical, last expense and personal accident cover. Open from birth (a term baby of 38 weeks) to 64 years.
- J-Care Junior — children under 18 can be the main member, at the rates of the J-Care plan chosen.
- J-Seniors — per the brochure, members aged 65 and above are moved to J-Seniors and covered for life, subject to annual renewal and underwriting review.
- J-Care Johari — an "affordable" package with two plans (A and B) where inpatient and outpatient are sold together; main member and spouse from 18 to 60 years, covered up to 65.
Jubilee Health is one of the licensed companies of the Jubilee group — see its Jubilee profile for the regulator's figures and complaint count.
CoverBora: Jubilee's lowest published price
Jubilee's CoverBora page (seen 28 October 2026) describes an inpatient-only cover — hospital admissions, emergency treatment, surgery, accident-related and maternity hospitalisation — sold in two versions:
| CoverBora | Yearly premium (from) | Annual inpatient limit | Who is covered |
|---|---|---|---|
| Individual | KES 6,200 | KES 250,000 | One person |
| Family | KES 19,600 | KES 500,000 | Up to 5 family members |
Jubilee's page gives these as starting prices ("from"), not as a quote for your age and family, and calls CoverBora an inpatient cover: it lists no outpatient benefit. Enrolment is by USSD — the page gives *706*2# (and "Dial *706#" at the end), SMS "HEALTH" to 40643, phone 0709 949 000 or health@jubileekenya.com. It is backed by Jubilee Health Insurance. Ask for the policy wording before paying: the page does not state the waiting periods or exclusions.
J-Care: inpatient limits and yearly premiums
The inpatient cover is the core of every J-Care plan. The limit is per family per year; the premium is per person per year, in Kenya shillings, for a principal member aged 18 to 30:
| Plan | Inpatient limit per family | Principal (18–30) | Spouse | Child (birth–17) |
|---|---|---|---|---|
| Classic | 500,000 | 21,316 | 15,673 | 10,282 |
| Premier | 1,000,000 | 25,621 | 21,513 | 13,899 |
| Advanced | 2,000,000 | 30,215 | 25,380 | 16,920 |
| Executive | 3,000,000 | 36,928 | 32,004 | 21,295 |
| Royal | 5,000,000 | 48,028 | 42,539 | 27,444 |
| Prestige | 10,000,000 | 55,033 | 48,744 | 31,448 |
Premiums rise with age, and the brochure says the premium is based on the age of the oldest applicant. The inpatient premium of the principal member, per year, by age band (children's rates do not change with the parent's age):
| Principal's age | Classic | Premier | Advanced | Executive | Royal | Prestige |
|---|---|---|---|---|---|---|
| 18–30 | 21,316 | 25,621 | 30,215 | 36,928 | 48,028 | 55,033 |
| 31–40 | 22,569 | 26,709 | 32,027 | 40,375 | 50,773 | 58,178 |
| 41–50 | 23,215 | 32,027 | 39,883 | 46,776 | 62,313 | 71,401 |
| 51–59 | 30,989 | 39,266 | 48,186 | 61,263 | 78,793 | 90,287 |
| 60–64 | 38,737 | 49,083 | 60,232 | 67,391 | 86,672 | 99,315 |
Outpatient is optional and priced per person — for someone aged 40 or below, from KES 26,555 a year for a KES 50,000 limit (Classic) to KES 55,168 for KES 200,000 (Prestige).
The other options, from the same brochure, in Kenya shillings per year:
| Option | Classic | Premier | Advanced | Executive | Royal | Prestige |
|---|---|---|---|---|---|---|
| Maternity limit per family | 80,000 | 100,000 | 120,000 | 120,000 | 150,000 | 200,000 |
| Maternity premium (principal or spouse) | 30,129 | 32,356 | 34,818 | 34,818 | 41,618 | 50,633 |
| Dental or optical limit per person | 5,000 | 10,000 | 20,000 | 30,000 | 40,000 | 50,000 |
| Dental or optical premium per person (each) | 2,696 | 3,517 | 7,151 | 10,668 | 17,819 | 21,483 |
| Last expense limit per person | 50,000 | 50,000 | 75,000 | 100,000 | 100,000 | 100,000 |
| Last expense premium per person | 1,007 | 1,007 | 1,567 | 2,014 | 2,014 | 2,014 |
Personal accident cover of KES 500,000 costs KES 586 per adult a year on every plan.
J-Care Johari: the two-plan package
Johari is priced per family, with inpatient and outpatient bundled. From the Johari brochure, in Kenya shillings per year:
| Family | Plan A (inpatient 200,000, outpatient 40,000) | Plan B (inpatient 400,000, outpatient 50,000) |
|---|---|---|
| Main member alone | 25,564 | 30,687 |
| Member + 1 | 35,749 | 42,922 |
| Member + 2 | 45,936 | 55,157 |
- Panel only: treatment must be within the prescribed provider panel; claims outside it are not paid, and the scheme does not reimburse.
- Changes at renewal: benefit levels can only be changed when the policy is renewed.
- How to apply: Jubilee says you can dial *643*5# or fill in its online application form.
Waiting periods, exclusions and the SHA question
| What | Waiting period (J-Care brochure) |
|---|---|
| Illness claims for new members | 30 days (none for accidents) |
| Pre-existing and chronic conditions, psychiatric, congenital, HIV/AIDS, gynaecological conditions, hernias and similar procedures | 1 year |
| Maternity, including a caesarean, where purchased | 1 year |
| Cancer treatment | 2 years |
Every application, including transfers from another insurer, goes through medical underwriting, and new applicants aged 50 and above must have a medical examination at their own cost. Exclusions listed by Jubilee include cosmetic surgery (unless after an accident), fertility treatment, weight-loss treatment, alternative medicine and hazardous sports.
Hospitals: the panel and the co-payments
Jubilee publishes a standard provider panel listing hospitals, medical centres, pharmacies, labs, imaging and optical providers county by county, plus telemedicine providers. Your membership card must be run at a panel provider, with identification, and you sign the provider's invoice.
On J-Care outpatient, the brochure lists hospitals where you pay an outpatient co-payment of KES 1,000 or KES 2,000, among them Nairobi Hospital (main facility), Aga Khan University Hospital (Parklands), MP Shah, Karen Hospital, Mater, Gertrude's Children's Hospital (Muthaiga) and Mombasa Hospital — ask Jubilee for the amount at the hospital you use. The brochure says there is no outpatient co-payment in all other hospitals.
J-Biz: Jubilee's medical cover for small businesses
For employers, Jubilee Health's J-Biz page (seen 28 October 2026) describes an SME cover open to any registered business with at least 3 members — start-ups, family businesses, chamas, SACCO-affiliated enterprises and NGOs:
- Inpatient from KES 250,000 up to KES 10 million; outpatient, maternity, dental and optical as optional add-ons.
- Chronic, congenital and psychiatric conditions, annual wellness check-ups and KEPI vaccinations; emergency ambulance and commercial air evacuation; personal accident cover and last expense cover for principal members.
- Waiting periods: the page headlines "no waiting period for registered business groups (3+ members)", but its own FAQ gives 14 days for illness (new groups), 10 months for maternity and 3 months for newly diagnosed chronic illness, some waived with proof of prior cover — get them written into your quote.
- Outpatient co-pay: five levels from KES 0 to KES 2,000 per visit; a lower co-pay means a higher premium, according to the same FAQ.
- Premiums can be paid in instalments ("Lipa Polepole"); Jubilee publishes no price — the quote depends on the number of staff and the limits chosen.
A business with staff also has duties beyond medical cover: see WIBA, the work injury cover every employer must hold, and register staff with SHA (SHA registration).
How to buy a Jubilee medical cover
- Choose the inpatient limit, then add the optional benefits you want.
- Fill in and sign the application form with the documents: national ID and KRA PIN certificate of every adult, and a birth certificate or stamped birth notification for each child under 18.
- Wait for Jubilee's answer: the brochure says within 3 working days of receiving the application.
- Pay the full year: cover starts only once the premium is paid in full and confirmed in writing; waiting periods run from that date.
- Receive the welcome pack (card, welcome letter, policy document, provider panel) within 30 days of the start of the policy.
- Before a planned admission, get pre-authorisation at least 48 hours ahead; in an emergency the hospital contacts Jubilee within 48 hours.
Read the policy document itself before paying — the brochures are summaries. Compare Jubilee's plans with the rest of the market in our health insurance guide and with other insurers' family packages, each read from the insurer's own documents: AAR, APA, Britam, CIC, First Assurance, Madison. To receive offers from several licensed insurers, ask for quotes.
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Frequently asked questions
What medical cover packages does Jubilee offer in Kenya?
For individuals and families, Jubilee Health Insurance's brochures list J-Care (six inpatient plans, Classic to Prestige, with optional outpatient, maternity, dental and optical), J-Care Junior for children, J-Seniors for members aged 65 and above, and the two-plan J-Care Johari package.
What is Jubilee CoverBora and how much does it cost?
An inpatient-only cover from Jubilee Health: from KES 6,200 a year for one person (KES 250,000 inpatient limit) or from KES 19,600 a year for up to five family members (KES 500,000), according to Jubilee's CoverBora page seen on 28 October 2026. You enrol by USSD (*706*2#), SMS HEALTH to 40643 or 0709 949 000.
Does Jubilee have a medical cover for small businesses?
Yes, J-Biz: for registered businesses with at least 3 members, with inpatient limits from KES 250,000 to KES 10 million and optional outpatient, maternity, dental and optical cover. Its FAQ gives waiting periods of 14 days for illness (new groups), 10 months for maternity and 3 months for newly diagnosed chronic illness. Jubilee does not publish its price.
How much is Jubilee medical cover per month?
Jubilee's brochures give yearly premiums only, payable in advance and in full. The J-Care inpatient premium for a principal aged 18 to 30 runs from KES 21,316 a year (Classic) to KES 55,033 (Prestige), before a 0.45% levy and KES 40 stamp duty.
How long is the waiting period on Jubilee J-Care?
30 days for illness claims (none for accidents), 1 year for pre-existing and chronic conditions and for maternity, and 2 years for cancer treatment, according to the J-Care brochure.
Which hospitals accept Jubilee medical cover?
The hospitals, clinics and pharmacies on Jubilee Health's provider panel, which it publishes county by county. J-Care Johari pays only within its panel.
Can I join Jubilee J-Care after 64?
The J-Care brochure sets eligibility from birth to 64 years; members already covered move to J-Seniors at 65. Applicants aged 50 and above must pass a medical examination at their own cost.
Which is the lowest-priced Jubilee medical cover?
CoverBora, from KES 6,200 a year for one person with a KES 250,000 inpatient limit, according to Jubilee's CoverBora page. It is inpatient only. The lowest J-Care premium is KES 21,316 a year (Classic, principal aged 18 to 30), and J-Care Johari starts at KES 25,564 with outpatient included.
Does Jubilee medical cover include maternity?
On J-Care, maternity is an option you buy on top of the inpatient plan: a limit of KES 80,000 to KES 200,000 per family, with a 1-year waiting period. Jubilee's CoverBora page lists maternity hospitalisation among its inpatient benefits.
Does Jubilee cover pre-existing conditions?
On J-Care, pre-existing and chronic conditions are covered after a 1-year waiting period, and every application goes through medical underwriting, according to the J-Care brochure.
Can I pay Jubilee medical cover in instalments?
The J-Care brochure says cover starts only once the full year's premium is paid. For businesses, Jubilee's J-Biz page offers payment in instalments ("Lipa Polepole").
Can I get tax relief on Jubilee medical cover?
Yes, on a health policy for yourself, your spouse or your child: section 31 of the Income Tax Act gives insurance relief of 15% of the premium, capped at KES 60,000 a year. On CoverBora's lowest published price of KES 6,200 a year, that is KES 930 off your income tax (our calculation). The rules and the certificate your employer needs are in our insurance relief guide.
Where is the Jubilee medical cover packages PDF?
Jubilee publishes its own PDFs: the J-Care brochure, the J-Care Johari brochure and the provider panel. Read the policy document as well before you pay, since the brochures are summaries.
Sources
- Jubilee Health Insurance — J-Care individual/family brochure, effective 1 December 2023 (insurer's own document)
- Jubilee Health Insurance — J-Care Johari brochure (insurer's own document)
- Jubilee Health Insurance — standard provider panel (insurer's own document)
- Jubilee Insurance Kenya — "CoverBora: The Simple Health Cover Every Kenyan Needs" (insurer's own page, seen 28 October 2026)
- Jubilee Health Insurance Kenya — J-Biz SME medical cover (insurer's own page, seen 28 October 2026)
- Ministry of Health — Kenya to launch the Social Health Authority on 1 October 2024