Jubilee Health Insurance Costs: Plans, Pricing & How to Choose the Best One
Jubilee Health Insurance is one of Kenya’s leading insurance providers, offering flexible health plans for individuals, families, and businesses. Whether you’re seeking affordable coverage or comprehensive benefits, understanding the cost structure is essential to making an informed decision.
In this guide, we’ll explore Jubilee Health Insurance pricing, key factors affecting costs, and how to choose the best plan for your budget.
Overview of Jubilee Health Insurance Plans
Jubilee Insurance offers several health plans to cater to different needs. Here’s an overview of the main options:
1. Individual & Family Health Plans
Designed for individuals and families, these plans provide coverage for:
- Inpatient and outpatient medical expenses
- Maternity care
- Specialist consultations
- Prescription drugs
- Emergency medical evacuation
- Laboratory services
2. Corporate & SME Health Plans
Ideal for businesses looking to provide health coverage for employees. These plans include:
- Group medical benefits
- Preventive health screenings
- Annual general checkups
- Critical illness cover
- Customizable coverage options
3. Senior Citizen Health Plans
Tailored for individuals above 60, these plans offer:
- Specialized care
- Chronic illness coverage
- Extensive cover limits of upto Ksh 10M
- Free drug delivery and refill for prescription drugs
- Home-based healthcare options
4. Comprehensive International Coverage
For those who frequently travel or expatriates living in Kenya, Jubilee offers international medical insurance with:
- Global hospital access in over 185 countries
- High coverage limits of upto USD 4.5M
- International Emergency medical evacuations
- Pre existing and chronic illness coverage
Price Breakdown: Monthly & Annual Costs
The cost of Jubilee Health Insurance varies based on the plan, coverage, and age of the policyholder. Below is a general estimate of pricing:
| Plan Type | Estimated Monthly Cost (KES) | Estimated Annual Cost (KES) |
|---|---|---|
| Individual Health Plan | KES 3,000 – KES 15,000 | KES 36,000 – KES 180,000 |
| Family Health Plan | KES 7,500 – KES 30,000 | KES 90,000 – KES 360,000 |
| Corporate/SME Plans | Customized Pricing | Customized Pricing |
| Senior Citizen Plan | KES 10,000 – KES 50,000 | KES 120,000 – KES 600,000 |
| International Health Plan | KES 25,000+ | KES 300,000+ |
Note: Prices vary based on policyholder age, number of dependents, and selected benefits.
Factors Affecting Insurance Costs
Several factors influence the cost of Jubilee Health Insurance:
1. Age of the Policyholder
- Younger individuals typically pay lower premiums.
- Older adults and senior citizens have higher premiums due to increased health risks.
2. Family Size & Dependents
- Adding dependents (spouse and children) increases the total premium.
- Family plans are more cost-effective than separate individual policies.
3. Coverage Level & Benefits
- Plans with extensive benefits (e.g., maternity, dental, optical) come at a higher cost.
- Limited coverage plans have lower premiums but fewer benefits.
4. Pre-Existing Medical Conditions
- Some conditions may lead to higher premiums.
- Full disclosure of medical history is necessary to determine the right plan.
5. Network Hospitals & Providers
- Access to premium hospitals and specialists increases the cost.
- Plans with a restricted network may offer lower pricing.
How to Choose a Plan Based on Your Budget
Selecting the best Jubilee Health Insurance plan depends on your financial capacity and healthcare needs. Consider these tips:
- Assess Your Healthcare Needs: If you frequently require specialist visits or chronic illness management, opt for a higher-tier plan.
- Compare Premiums vs. Coverage: Lower premiums might mean higher out-of-pocket costs when seeking extensive treatment. It’s critical to pick the right cover.
- Look for Discounts & Offers: Some policies offer discounts for families, corporate groups, or annual payments.
- Understand Policy Exclusions: Ensure you know what’s covered and excluded before committing.
Frequently Asked Questions (FAQs)
How much is a cover from Jubilee Health Insurance?
Jubilee Health Insurance costs range from KES 3,000 per month for individual plans to over KES 50,000 for premium coverage. The total cost depends on the level of coverage selected.
How much is health insurance in Kenya per month?
The average monthly cost of private health insurance in Kenya varies between KES 5,000 and KES 50,000, depending on the provider, plan, and coverage benefits.
How can I lower my Jubilee Health Insurance costs?
- Choose a plan with essential benefits only.
- Consider paying in small installments to distribute the cost.
- Stay within the approved network of hospitals or opt for the more affordable panel of hospitals.
Can I upgrade my Jubilee Health Insurance plan later?
Yes, policyholders can upgrade to a higher coverage level during policy renewal or under special circumstances.
Does Jubilee Insurance offer payment plans?
Yes, flexible payment options, including monthly and annual premiums, are available to suit different budgets.
Get Affordable Coverage with Jubilee Health Insurance
Choosing the right Jubilee Health Insurance plan doesn’t have to be complicated. By understanding pricing, benefits, and coverage options, you can make an informed decision that suits your needs and budget.
Ready to find the best plan?
Compare Jubilee Health Insurance plans here.
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SMS HEALTH to 40643 and get a call back.
Call 0709949000 for assistance
Email us on health@jubileekenya.com