Health Insurance for Every Kenyan: Find the Right Cover for You and Your Family (2026)
Whoever you are and whatever your budget, there is a health insurance plan for you in Kenya. Jubilee Health Insurance offers cover for individuals, families, parents and businesses — starting from as low as KSh 6,200 a year for a hospital cover only to more comprehensive covers with limits upto Ksh 10m— and you can spread the cost in instalments with Lipa Pole Pole. Here’s how to find the plan that fits your life.
Health insurance for individuals
If you’re a young professional, a student or running your own hustle, an individual plan gives you essential cover at an accessible price a hospital covers only for Kshs 6200 per year for a limit of Kshs 250,000, Or an inpatient and outpatient of Kshs 3,256 per month and get a limit of Kshs 200,000 inpatient and Kshs 40,000 outpatient. Choose outpatient cover, inpatient cover, or both and pay pole pole.
Health insurance for families
One plan can protect you, your spouse and your children- Jcare medical cover. Family cover means everyone’s consultations, treatment and emergencies are taken care of under a single, predictable payment with extensive inpatient limits of upto Kshs 10,000,000.
Health insurance for your parents (cover for over 65years)
The people who raised you deserve protection too. Jubilee offers cover for older parents from age 65 years and you can pay in instalments – so a health scare doesn’t become a financial one for your whole family. (See “Health Insurance for Your Parents”].
Health insurance for SMEs and businesses
However small your team, you can offer them medical cover. Group plans help you attract and keep good people, reduce sick days, and show your staff they matter from 3 upto 50 employees.
Choose the cover that fits: inpatient, outpatient or international
Not everyone needs the same thing. Pick outpatient-only cover for everyday care like consultations and tests, inpatient-only cover for hospital admissions, or international cover for treatment abroad, that cover upto 150 countries worldwide— or combine them to match your needs and budget.
Affordable for everyone — pay pole pole
Cost should never be the reason you go uninsured. Pick a plan that suits your needs and budget, from as low as 3,256 per month for Kshs 200,000 inpatient and Kshs 40,000 outpatient to covers with higher limits upto Kshs 10,000,000 inpatient per year. “Pay for Health Insurance in Instalments”
How to get your plan
- Get a quote online
- Pick the cover that fits — individual, family, parents or business.
- Choose Lipa Pole Pole and pay your first instalment.
- You’re covered.
Frequently asked questions
Which health insurance is best for a family in Kenya?
The best plan is the one that covers everyone you’re responsible for within your budget. Jubilee’s family plans cover spouse and children under one premium , with the option to pay in instalments.
Is there health insurance for parents over 65 in Kenya?
Yes. Jubilee offers cover for older parents from 65years, so aging loved ones can stay protected.
What is the cheapest health insurance in Kenya?
Cover starts from as low as KSh 6,200 a year for inpatient cover only to more comprehensive covers with limits of upto Kshs 10,000,000.
Can small businesses get medical cover?
Yes — Jubilee offers group cover for SMEs of all sizes from 3-50 employees.
Can I pay for my plan in instalments?
Yes. With Lipa Pole Pole you can pay in smaller instalments rather than one lump sum.