J-Biz is a tailor-made health insurance solution by Jubilee Health Insurance, designed specifically for small and medium-sized businesses (SMEs). It provides comprehensive inpatient and outpatient medical cover for your team including chronic illness, maternity, dental, optical, and critical illness benefits.

Any registered business with a minimum of 3 members can enroll in JBiz. This includes start-ups, family-run businesses, chamas, SACCO-affiliated enterprises, NGOs, and larger SMEs.

Your business gets access to:

• • Inpatient and outpatient treatment
  • Maternity, dental, optical (optional)
  • Coverage for chronic, congenital, and psychiatric conditions
  • Emergency ambulance, post-hospital care, and personal accident cover
  • Free Last Expense cover for principal members
  • Annual wellness checkups for employees

Yes! You can pay in flexible installments, making it easier to budget for health insurance without disrupting cash flow.

JBiz is crafted for Kenyan SMEs, with:

• Minimal waiting periods
• No need for large numbers—just 3 members to start
• Affordable plans starting from KSh 250,000 cover
• In-built flexibility and digital support
• Fast onboarding and regional support

JBiz offers benefit levels ranging from KSh 250,000 to KSh 10 million. We recommend choosing based on your team size, age, risk profile, and budget. Our team can advise you based on your needs.

You’ll need:

• Completed group proposal form
• Certificate of incorporation + KRA PIN
• Member & dependent details + IDs
• Proof of payment
  Once submitted, your business will receive a Welcome Pack, including policy documents and medical cards within 30 days.

You’ll present your Jubilee Health medical card at any accredited hospital. Emergency admissions must be reported within 48 hours, and Jubilee will liaise directly with the facility.

Yes. Chronic and pre-existing conditions, including HIV/AIDS, are covered up to specified limits depending on your plan.

• Access to top-tier hospitals, doctors, and clinics
• Coverage for hospitalization, surgery, tests, medication, and specialist care
• Optional maternity, dental, and optical cover
• Mental health and chronic condition support
• Emergency evacuation and ambulance support

You’ll get:

• A dedicated relationship manager
• Access to our 24/7 call center (0709949000)
• WhatsApp support via Julie the chatbot
• Onboarding materials for staff

Yes:

• 14 days for illness (for new groups)
• 10 months for maternity benefits
• 3 months for confirmed newly diagnosed chronic illnesses
• Some waiting periods may be waived with proof of prior cover

Most medically necessary treatments are covered. However, exclusions include:

• Cosmetic or plastic surgery (unless due to accident)
• Alternative therapies (e.g. herbal, acupuncture)
• Weight loss procedures
• Non-prescribed supplements
• Some maternity-related exclusions (without the maternity plan)
• Treatment for hazardous sports injuries or self-harm

Yes, you can choose from 5 co-pay levels (KES 0–KES 2,000). Lower co-pay means slightly higher premiums. Customise based on your team’s usage.

Yes, you can choose from 5 co-pay levels (KES 0–KES 2,000). Lower co-pay means slightly higher premiums. Customise based on your team’s usage.

Yes, emergency treatment outside Kenya is covered for up to 6 weeks per visit (reimbursement basis), subject to policy terms.

JBiz has a wide national network of hospitals, clinics, and labs. You’re also covered while travelling within East Africa, and emergency referrals are supported in India and Pakistan (where treatment is unavailable locally).

• Maternity is included in many plans, subject to a 10-month waiting period.
• Dental and optical are optional add-ons. You can choose benefit limits from KSh 10,000 to KSh 50,000 per family annually.

• Maternity is included in many plans, subject to a 10-month waiting period.
• Dental and optical are optional add-ons. You can choose benefit limits from KSh 10,000 to KSh 50,000 per family annually.

You’ll be contacted ahead of renewal with an updated proposal. Renewal depends on medical usage, claims history, and changes in team size.

Yes. Dependents (spouse and up to 4 children) can be covered under your plan.

Yes! J-Biz offers optional Group Critical Illness Cover, which pays a lump sum of KSh 750,000 for conditions like:

• Cancer, heart attack, kidney failure, stroke, blindness, Parkinson’s, major organ transplant

The provider panel list is included in your Welcome Pack. You can also access it via Jubilee’s website or by contacting the call center.

• Protect your team’s health and reduce downtime.
• Boost employee loyalty and retention.
• Access flexible payment options (including Lipa Polepole).
• Comply with HR best practices by offering health benefits.
• Peace of mind knowing your team is covered in emergencies.