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Jubilee Health Insurance

J-Care Health Cover

Health cover · Regulated by the IRA

A year costs
KES 21,316
buys KES 500,000 of cover

It pays your hospital bills for a year. You pick a level, from a KES 500,000 limit up to KES 10 million. Clinic visits cost extra.

Hear when this changes

What to watch out for

  • The rate card is dated 1 December 2023. It is the newest one Jubilee publishes, and it is over two years old.
  • Prices rise with age. The same cover costs 82% more at 60 to 64 than at 18 to 30.
  • Every price shown is before a 0.45% levy and KES 40 stamp duty.
  • All inpatient treatment has to be approved before you go in.
  • Jubilee Health Insurance is supervised by the IRA.
  • Anything you already had is capped well below the main limit for the first year, and cancer for the first two.
  • Psychiatric care is capped separately and waits a year.
  • Dental and optical are only sold if you also buy outpatient.

What a year costs, and what it buys

A year costs you
KES 21,316
A year buys you
KES 500,000

the yearly hospital limit on the cheapest level, shared by the whole family. The dearest level covers KES 10 million.

  • · This is cover you renew each year. Nothing builds up and nothing comes back.
  • · What you actually pay depends on your own details.
  • · Worked out from the company's own published figures.

The details that matter for this kind of plan

What a year costs at the cheapest level
KES 21,316 for one adult aged 18 to 30, for a KES 500,000 hospital limit
Outpatient
KES 26,555 more, for a 50,000 limit
Before you can claim
30 days for illness, nothing for accidents, 1 year for anything you already had, 2 years for cancer
Who can join
From birth to 64. At 65 you move to their J-Seniors plan
What it costs at 60
KES 38,737 at the cheapest level, against KES 21,316 at 18 to 30
Free with the principal member
Last expense cover and KES 500,000 of personal accident cover
What outpatient costs in full
KES 26,555 a year for a KES 50,000 limit — more than the hospital cover, for a tenth of the cover

How to open this

  • Open with KES 21,316

What does it cost you?

Admin chargeevery premium, on top of the price shown0.45%

What if you stop paying?

The cover stops at the end of the year you paid for. Nothing comes back.

What if you need the money early?

There is nothing to take out. This is cover, not savings.

Who this suits

It could work for you if

You want hospital bills paid and you want to see the price before you call an agent.

Think twice if

You mainly need clinic visits. Outpatient here costs more than the hospital cover.

What they tell you

  • What is the smallest amount you can start with?
    KES 21,316.
  • Do they list what is not covered?
    Yes, 3 things are listed.
  • Are all their charges published?
    Yes, every charge they mention has a figure against it.
  • Do they say who regulates them?
    Yes — the IRA. That is who you complain to.

Talk to them

Compared with the others

There are 20 other plans of this kind on the board. See all 21 side by side — what each one leaves you with, and which of them will not say.

Where we got this