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Jubilee Health Insurance

J-Care Health Cover

Health cover · Regulated by the IRA

What is this?

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.

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 levelKES 21,316 for one adult aged 18 to 30, for a KES 500,000 hospital limit
OutpatientKES 26,555 more, for a 50,000 limit
Before you can claim30 days for illness, nothing for accidents, 1 year for anything you already had, 2 years for cancer
Who can joinFrom birth to 64. At 65 you move to their J-Seniors plan
What it costs at 60KES 38,737 at the cheapest level, against KES 21,316 at 18 to 30
Free with the principal memberLast expense cover and KES 500,000 of personal accident cover
What outpatient costs in fullKES 26,555 a year for a KES 50,000 limit — more than the hospital cover, for a tenth of the cover

What does it cost you?

Admin charge0.45%

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.

How openly does this company explain its charges?

ATells you what it costs11 of 11 answered
  • What do they charge you every year?
    This kind of charge does not exist on this product.
  • What is taken off the money you pay in?
    This kind of charge does not exist on this product.
  • What does it cost to get out early?
    There is nothing to cash out, so there is no exit charge.
  • What is the smallest amount you can start with?
    KES 21,316.
  • How long is your money tied up?
    Not applicable to this kind of product.
  • Is the advertised return before or after their charges?
    This kind of product does not advertise a return.
  • Do they warn you the return is not guaranteed?
    This kind of product does not advertise a return.
  • Do they tell you what you get back if you stop early?
    You get whatever your money is worth on the day. There is no schedule.
  • 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.

This grades how openly things are explained, not whether the plan is good or bad. See how we work it out.

Things to know before you sign

  • · 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.

Talk to them

Compared with the others

There is 1 other plan of this kind on the board. See all 2 side by side — what each one leaves you with, and which of them will not say.

Where we got this