Health Cover on a Budget: How Kenyan SMEs Can Now Insure Their Teams Without Breaking the Bank
Affordable Health Insurance in Kenya for Small Businesses
In Kenya, many small and medium-sized businesses still view health insurance as a nice-to-have. It’s not. In today’s unpredictable and fast-moving world, it’s a business essential and the cost of not having it? Far higher than you think.
“One employee admitted for 5 days without cover can cost your business up to KES 150,000. That’s a whole month’s float—gone.”
If you’ve been postponing health cover for your team due to budget, complexity, or minimum numbers, it’s time to rethink your approach. With Jubilee Health’s JBiz Cover, affordable health insurance is now within reach even for businesses with just three employees.
Why Most SMEs Still Hesitate
We get it, running a small business means juggling salaries, stock, operations and trying to make every shilling count. Insurance often drops to the bottom of the list. Here’s why:
- You assume health cover is too expensive.
- Most products are rigid built for large corporates, not SMEs.
- You’re asked to pay everything up front.
- The terms are confusing and loaded with hidden costs.
That’s exactly what JBiz Cover was redesigned to fix.
JBiz: A Smarter Health Cover for Businesses
JBiz is a smart, simple, flexible medical cover created to serve the realities of small to medium businesses like yours.
Here’s why it stands out:
- Starts from Just 3 Employees
Whether you’re running a salon, a delivery business, a small agency, or a hardware shop, just three team members is all it takes to unlock quality health benefits.
- Affordable Plans for Any Budget
You decide how much cover you want in cover limits, from KES 250,000 to KES 10 million per family. That means you stay in control of your costs.
For example, a team of 3, aged 30, can get comprehensive inpatient and outpatient cover from as little as KES 5,000 per employee per month.
- Lipa Polepole – Pay in simple instalments
Forget the pressure of paying everything up front. JBiz lets you spread the cost over up to 3 instalments, keeping your cash flow intact while still giving your team full cover.
- Maternity, Chronic Illness & Mental Health Already Included
These aren’t “nice extras”, they’re necessities, and they come automatically with JBiz:
- Maternity and fertility care
- Chronic conditions like diabetes, hypertension, HIV/AIDS
- Mental wellness and psychiatric care
- Enhanced funeral and personal accident cover
No extra cost, no last-minute surprises. With JBiz, your team gets what really matters automatically.
- Optional Dental & Optical Cover Shared Per Family
Optional but incredibly useful. Dental and optical benefits are now shared per family, making them more meaningful and cost-effective.
- Flexible Co-pay Options to Suit Your Staff
You can decide what works best for your team. From zero copay to structured options (KES 500–KES 2,000), JBiz lets you tailor it to your budget and employee needs.
Why It Matters to Cover Your Team
Because when your employees are healthy, your business runs better. Period.
- Healthy staff show up.
- They serve customers better.
- They stay loyal.
- And they don’t drain your float with emergencies.
If you’re hiring or trying to keep great people, a health cover is no longer a perk, it’s a competitive edge.
Don’t Wait for a Medical Emergency to Act. Too many SMEs wait until something goes wrong, until they’re forced to send money for a hospital bill, or lose a key staff member for weeks.
Don’t wait until a hospital call interrupts your workday; act now and give your team and your business the protection it deserves.
Let’s get your team protected.
SMS SME to 40643 or Call 0709 949 000. Click here to compare plans and get a quote.
For more queries, Click here for FAQ’s
JBiz by Jubilee Health Insurance.
Health cover built for the hustle.