To Insure or Not to Insure? The Real Cost of Going Without Health Cover in Kenya

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Picture this.
It’s Monday morning. School runs, deadlines, life in full swing. Then—suddenly—a family member falls ill.
The first thought? “Are they okay?”
The second? “How much will this cost?”

In Kenya today, one hospital visit can wipe out your savings.

  • Minor surgery? KSh 150,000.
  • ICU stay? Up to KSh 39,000 per day.
  • Emergency medication? Easily tens of thousands.

Too many families slip into debt after just one medical emergency. But here’s the thing: it doesn’t have to be this way.


The Question Isn’t If—It’s When

“Tutashughulikia ikitokea” has become our default health plan.
We rely on harambees, loans, or hope.

But illness doesn’t wait. And hope isn’t a strategy.


The Smarter Choice: Get Covered—Polepole

You no longer need a lump sum or paperwork.
With Jubilee Health Insurance, you can:

✅ Buy online in minutes
✅ Pay in easy monthly instalments
✅ Get an instant e-card
✅ Walk into 500+ hospitals, nationwide

No paperwork. No medical tests. No stress.


Why Health Cover Just Makes Sense

💡 Peace of mind – Sleep easier knowing your family is protected
💡 Access to real care – Not Google. Not guesswork. Real doctors, real fast
💡 Cost protection – Avoid six-figure bills with a low monthly plan
💡 Digital convenience – Buy, renew, and claim straight from your phone


There’s a Plan for Every Life Stage

Whether you’re single, raising kids, or caring for elderly parents—we’ve got you.

👨‍👩‍👧‍👦 J-CARE – Family health cover
🏢 J-BIZ – SME medical cover (starting with just 3 employees)
👴🏽 J-SENIOR – Cover for Kenyans aged 65+
🌍 International Cover – For travellers and expatriates
🧍🏽 JOHARI – Starter cover for young adults

💡 View the full list of plans here: jubileeinsurance.com/ke/health


Health Cover is Not a Luxury. It’s a Life Plan.

You pay rent, school fees, data bundles—why not health cover too?
All our plans let you pay monthly. Just like M-Pesa bundles or Netflix. Only this one could save your life.


The Real Cost of Waiting? Too High.

Without insurance, one illness means:

  • You delay care
  • You sell assets
  • You take on debt
  • You put your family at risk

With insurance, it’s different. You walk into a hospital and say:
“Treat me—I’m covered.”


Ready to Take the First Step?

📱 SMS HEALTH to 40643
🌐 Visit jubileeinsurance.com/ke/health
📞 Call 0709 949 000 to speak with our team


Jubilee Health: More Than Insurance. It’s Care That Walks With You.

When you join Jubilee, you get more than a medical card:

  • Free drug delivery
  • Home-based care
  • Emergency evacuation
  • Mental health support
  • Personal care guides
  • Preventive screenings

We’re here for your health, your dignity, and your peace of mind.


Don’t wait for a crisis. Protect what matters most—your health.
Get started today. Because tomorrow might be too late.