Health Insurance Made Simple – Everything You Need To Know

 

Confused About Health Insurance? You’re Not Alone!

Many people struggle to understand how health insurance works—the terms sound complex, the process feels overwhelming, and the idea of paying for something you might never use can seem unnecessary.

But here’s the truth: Health insurance is simple when you break it down! In this blog, we’ll explain everything you need to know in plain, easy-to-understand language.

🔹 What is Health Insurance & Why Do You Need It?

Think of health insurance as a safety net—when you get sick or injured, your insurance covers your hospital bills so you don’t have to pay them all from your pocket.

Why is this important?

• Medical emergencies are unpredictable – You never know when you’ll need treatment.
• Hospital bills can be expensive – One hospital stay could cost hundreds of thousands of shillings.
• Peace of mind – Knowing you’re covered means less stress & more focus on recovery.
• Bottom Line: Health insurance is not just for when you’re sick—it’s financial protection against life’s unexpected moments!

🔹 Health Covers Available

Health Cover	Who It’s For	Coverage Includes	Starting Premium (Kshs)
J-Junior (Children’s Cover)	Children (0-17 years)	Inpatient & Outpatient, Immunizations, Specialist Consultations	35,000
Johari (Affordable Individual Cover)	Individuals (18-50 years)	Inpatient & Outpatient, Preventive Care, Chronic Illness Cover	6,200
JCARE (Family Cover)	Families (Parents & Children)	Inpatient & Outpatient, Maternity, Specialist Consultations	95,000
J-Senior (Parents & Seniors Cover)	Seniors (65-84 years)	Inpatient, Outpatient, Chronic Disease Cover, Specialist Consultations	150,000
JBiz (SME Cover for Employees)	Small & Medium-Sized Businesses	Employee Medical Cover for Inpatient, Outpatient, Maternity	Custom Pricing
Care & Health (International Cover)	Frequent Travelers & Expatriates	Comprehensive Global Medical Coverage	Custom Pricing

🔹 What Does Health Insurance Cover? (Simple Breakdown)

Health insurance covers different types of medical expenses, depending on the plan you choose. Here’s a quick guide:

1. Inpatient Cover (Hospital Stays)

Covers costs when you’re admitted to the hospital

• Surgeries
• Intensive care
• Hospital accommodation

2. Outpatient Cover (Doctor Visits & Minor Treatments)

Covers treatment that doesn’t require hospital admission

• Doctor consultations
• Lab tests
• Prescriptions

3. Maternity Cover (For Pregnant Mothers)

Covers pregnancy and delivery costs

• Normal & C-section births
• Newborn care

4. Chronic & Pre-existing Conditions

Covers long-term illnesses like diabetes & hypertension amongst others

• Regular medication
• Specialist consultations

5. Emergency & Evacuation Services

Covers ambulance services & life-threatening emergencies

• Emergency care
• ICU & critical care
• Road and Air Evacuations

6. Preventive Care  (Stay Healthy Before You Get Sick!)

• Routine health check-ups – General health screening & doctor consultations
• Vaccinations & immunizations – Flu shots, HPV vaccines, and child immunizations
• Cancer screenings – Mammograms, pap smears, and prostate screenings
• Wellness programs – Lifestyle management for fitness & nutrition
• Annual medical exams – Early detection of underlying health conditions

7. Mental Wellness Support  (Your Mind Matters!)

• Psychological counseling sessions – One-on-one therapy & mental health check-ups
• Stress & anxiety management – Sessions with mental health professionals
• Depression treatment support – Psychiatric consultations and prescribed medications
• Workplace wellness programs – Employee assistance programs for mental well-being
• Substance abuse support – Guidance & therapy for addiction recovery

Every plan is different—so always check what’s covered!

🔹 How Does Health Insurance Work?

💡 Here’s a simple step-by-step guide:

1️. Identify a suitable health cover for you and your loved ones.

Sign Up – Through an agent or online https://shorturl.at/y04si in minutes.
3. Pay Your Premium – A premium is the amount you pay for your insurance (monthly or yearly). We have lipa polepole option available.
4. Get Your Card – Your insurance card is your passport to accessing care in hospitals.
5. Go for Treatment – Visit any Jubilee Health partner hospital (we have over 800 hospitals nationwide!).
6. Your Insurance Pays – If your treatment is covered, Jubilee handles the bill!

🔹 Common Insurance Terms (Made Easy!)

1. Inpatient vs. Outpatient:

Inpatient = You stay in the hospital overnight.

Outpatient = You visit a doctor but don’t stay in the hospital.

2. Premium:

The amount you pay for your insurance cover (monthly or yearly).

3. Co-pay:

A small amount you pay when you visit a hospital (e.g., Ksh 500). Insurance pays the rest!

4. Waiting Period:

The time you have to wait before certain benefits on your health cover become active.

5. Pre-existing Condition:

A health condition you had before getting insurance (e.g., diabetes, high blood pressure etc).

How to Choose the Right Health Cover for You
💡 Ask yourself these 3 questions:

• Who am I covering? (Myself, my family, or my employees?)
• What level of cover do I need? (Basic vs. comprehensive plans)
• What’s my budget? (Plans start from Kshs 6,200 per year!)

🔹 How to Get Health Insurance in 5 Minutes!
Secure your health NOW, because life happens! Signing up is super easy—you can do it in minutes!
✔️ Visit Jubilee Health Cover & buy your cover online
✔️ SMS “COVER” to 40643 & we’ll call you!

Don’t wait until it’s too late—protect your health today!

h today!