Jubilee Medical Cover Packages and Prices 2026 (KSh)

Jubilee is one of the first names my clients mention. Big brand, lots of plans, and very few published prices.

So here are the real numbers. I ran Jubilee's published rates through the quote engine behind my calculator, for a single person, a couple, a family and a parent.

How to read these prices:

• Every price is an annual premium in KSh, computed from Jubilee's published rates.
• Each includes the 0.45% training levy and KSh 40 stamp duty.
• Each table says exactly who it's for.
• Your final price depends on underwriting: your health, your history, and any rate changes. Treat these as a strong starting point, not a final quote.

Table of Contents

• Jubilee's Medical Plans at a Glance
• J Care Prices (Single, Age 30)
• J Care for a Couple or Family
• CoverBora: The Budget Option
• J Senior (Ages 65 to 79)
• What J Care Covers
• Who Jubilee Suits
• Compare Jubilee With Other Insurers
• Next Steps

Jubilee's Medical Plans at a Glance

• J Care: individuals and families, main member aged 18 to 64. Hospital limits from KSh 500K to 10M.
• J Senior: older clients aged 65 to 79. Limits from KSh 500K to 10M.
• CoverBora: the budget, hospital-only plan, ages 0 to 65. Limits from KSh 250K to 500K.
• J Care Junior: cover for children on their own.

Most people end up on J Care. The other two solve specific problems: age and budget.

J Care Prices (Single, Age 30)

Cover is the hospital limit, then the outpatient limit that comes with it. On J Care the outpatient limit is fixed to the plan.

KSh per year, for one person aged 30.

In monthly terms, Classic hospital-only works out to about KSh 1,788 a month. With outpatient, about KSh 4,011.

Outpatient more than doubles the price on the lower plans. If you rarely see a doctor, start with hospital only and decide on outpatient as a separate question.

J Care for a Couple or Family

Prices for a couple aged 35 and 33, and the same couple with two kids aged 5 and 8.

Hospital only:

With outpatient:

KSh per year.

On J Care every member pays for outpatient, kids included. For a family of four, that's where most of the money goes.

Maternity is an optional add-on on J Care. Its limit and price are set by the plan you pick.

CoverBora: The Budget Option

CoverBora is hospital-only cover. No outpatient. It's priced at one flat rate for an individual, and one flat rate for a family of up to five people.

KSh per year.

Because the family rate is flat, a couple and a family of four pay the same. That makes CoverBora very good value for a bigger family on a tight budget.

What else it carries:

• Maternity inside the hospital limit: KSh 40K, 50K or 75K by plan, after a nine-month wait.
• Pre-existing conditions: KSh 100K to 250K, after a 12-month wait.
• Last expense: KSh 20K to 50K.

The catch is the limit. KSh 500K can run out on one serious admission at a private hospital.

J Senior (Ages 65 to 79)

Prices for one parent aged 70, covered alone. Outpatient is fixed to the plan.

KSh per year.

J Senior includes free personal accident cover of KSh 500K for the main member, hospice cover of KSh 100K to 300K, and last expense of KSh 50K to 100K. Cancer is covered after a two-year wait.

What J Care Covers

From Jubilee's rate book:

• Free personal accident cover of KSh 500K, plus free last expense, for the main member.
• Pre-existing and chronic conditions: KSh 250K to 2M, after a one-year wait.
• Newly chronic conditions: KSh 200K to 3M, after a three-month wait.

Always read your policy's schedule of benefits before you sign. That's the final word, not a blog post.

Who Jubilee Suits

A good fit if you want:

• A big-name insurer with plans from KSh 6,268 a year up to KSh 10M of cover
• Cover for parents up to 79 (J Senior)
• Cheap hospital cover for a large family (CoverBora)

Look elsewhere if:

• You want a small outpatient limit on a big plan. J Care fixes outpatient to the plan.
• You need cover for a parent over 79.

Compare Jubilee With Other Insurers

• Run your exact ages through my health insurance calculator. It shows a price range for free, and a KSh 100 M-Pesa unlock shows every insurer side by side.
• Already paying SHA? Read the best private insurance to top up SHA.
• See the same breakdown for AAR, APA, Old Mutual and Heritage.

Next Steps

I'm Keryl, a licensed insurance agent (IRA/05/50004/2026). Every figure above comes from Jubilee's own rates.

If Jubilee looks right, run the calculator and I'll go through the options with you. Underwriting can move the final price, so get the exact quote before you commit.