Jubilee Health Plans 2026: Pricing and Commissions
Table of Contents
- Jubilee Health Products Overview
- J-Care: The Flagship Product
- CoverBora: The Budget Option
- Hospital Network
- How to Position Jubilee Products
- Common Client Questions
- Comparing Jubilee to Competitors
- Your Action Items
- Next Steps
Jubilee Health Products Overview
Jubilee offers three main health insurance product lines:
| Product | Target Market | Premium Range | Key Selling Point |
|---|---|---|---|
| J-Care | Individuals & families | KES 35,000–180,000/year | Comprehensive, flexible |
| J-Senior | Ages 60+ | KES 45,000–120,000/year | No upper age limit |
| CoverBora | Budget-conscious | KES 18,000–60,000/year | Affordable entry point |
Each product has multiple tiers. Let's break them down.
J-Care: The Flagship Product
J-Care is Jubilee's main health insurance product. It's what most of your clients will end up on.
Coverage Tiers
| Tier | Inpatient Limit | Outpatient Limit | Annual Premium (Individual) |
|---|---|---|---|
| Bronze | KES 1,000,000 | KES 50,000 | KES 35,000–45,000 |
| Silver | KES 2,000,000 | KES 100,000 | KES 55,000–75,000 |
| Gold | KES 5,000,000 | KES 150,000 | KES 90,000–120,000 |
| Platinum | KES 10,000,000 | KES 200,000 | KES 140,000–180,000 |
Key Benefits
Inpatient:
- Hospital accommodation (based on tier)
- Surgery and theater costs
- Specialist consultations
- ICU/HDU (limits vary)
- Ambulance services
Outpatient:
- GP consultations
- Prescribed medications
- Lab tests and diagnostics
- Minor surgical procedures
Optional Add-Ons:
- Maternity: KES 100,000–250,000 cover (12-month waiting period)
- Dental: KES 20,000–50,000 annual limit
- Optical: KES 15,000–30,000 annual limit
- Last expense: KES 50,000–100,000
J-Care Commission Structure
| Premium Band | First Year Commission | Renewal Commission |
|---|---|---|
| Up to KES 50,000 | 20% | 10% |
| KES 50,001–100,000 | 18% | 10% |
| KES 100,001+ | 15% | 10% |
Example: A family of 4 on Gold tier paying KES 320,000/year earns you KES 48,000 first year, then KES 32,000 on every renewal.
J-Senior: For Clients Over 60
This is where you help clients who've been rejected elsewhere.
J-Senior has no upper age limit. I've placed 78-year-olds on this product.
Coverage Options
| Option | Inpatient Limit | Chronic Benefit | Annual Premium |
|---|---|---|---|
| Basic | KES 500,000 | KES 50,000 | KES 45,000–60,000 |
| Standard | KES 1,000,000 | KES 80,000 | KES 70,000–90,000 |
| Premium | KES 2,000,000 | KES 100,000 | KES 95,000–120,000 |
What's Different About J-Senior
Included:
- Chronic condition management (diabetes, hypertension, etc.)
- Cancer treatment up to limit
- Cardiac care
- Kidney dialysis
- No medical questionnaire for Basic tier
Exclusions:
- Pre-existing conditions have 24-month waiting period
- No outpatient on Basic tier
- Higher co-payments at private hospitals
Commission
J-Senior pays 15% first year, 10% renewal across all tiers.
CoverBora: The Budget Option
For clients who say "Jubilee is too expensive" — you have an answer.
CoverBora is Jubilee's affordable product. It's basic, but it's Jubilee.
Coverage Tiers
| Tier | Inpatient Limit | Outpatient | Annual Premium |
|---|---|---|---|
| Starter | KES 300,000 | Not included | KES 18,000–25,000 |
| Essential | KES 500,000 | KES 30,000 | KES 28,000–40,000 |
| Plus | KES 1,000,000 | KES 50,000 | KES 45,000–60,000 |
CoverBora Limitations
Be upfront with clients:
- Ward accommodation only (no private room)
- Generic medicines preferred
- Limited hospital network
- Higher co-payments
- No maternity on Starter tier
When to Recommend CoverBora
Good fit:
- Young, healthy individuals
- Budget under KES 40,000/year
- Upgrading from SHA-only
- First-time private insurance buyers
Not a good fit:
- Families with young children
- Clients with chronic conditions
- Anyone who expects private room
Commission
CoverBora pays 18% first year, 10% renewal. Lower premiums, but good margin.
Hospital Network
Jubilee has one of the widest networks in Kenya.
Premium Hospitals (0% Co-Pay on Gold/Platinum)
- Nairobi Hospital
- Aga Khan University Hospital
- Karen Hospital
- M.P. Shah Hospital
- Gertrude's Children's Hospital
Standard Hospitals (May Have Co-Pay)
- Avenue Healthcare branches
- AAR clinics
- Metropolitan Hospital
- Coptic Hospital
- Most mission hospitals
CoverBora Network (Limited)
- Jubilee-designated facilities
- Selected public hospitals
- Specific private clinics
Always verify network status before closing. Clients get frustrated when their preferred hospital isn't covered.
Waiting Periods
Standard across all Jubilee products:
| Condition | Waiting Period |
|---|---|
| General illness | 30 days |
| Pre-existing conditions | 12–24 months |
| Maternity | 12 months |
| Major surgery | 12 months |
| Cancer | 12 months |
| Chronic conditions | 6–12 months |
Pro tip: For clients coming from another insurer, Jubilee often waives waiting periods. Ask your account manager about continuity.
How to Position Jubilee Products
J-Care Positioning
"This is Kenya's most trusted health insurance. When something serious happens, you want a company that pays. Jubilee has paid out more claims than any other insurer."
J-Senior Positioning
"Most insurers won't cover your parents at this age. Jubilee will — with no upper age limit. That peace of mind is worth it."
CoverBora Positioning
"You get Jubilee's hospital network and claims process, but at a price that fits your budget. It's smart insurance for people starting out."
Common Client Questions
"Why is Jubilee more expensive than AAR?"
Jubilee covers more hospitals at 0% co-pay. With AAR, you might pay 20% at Nairobi Hospital. With Jubilee Gold, you pay nothing. The premium difference usually balances out.
"Can I upgrade mid-year?"
Yes, but with a price adjustment and possible waiting periods on new benefits.
"What if I already have SHA?"
SHA is your base. Jubilee tops it up with private rooms, faster service, and better hospital choice. Many clients use SHA for basics and Jubilee for serious stuff.
Comparing Jubilee to Competitors
| Feature | Jubilee J-Care | AAR | Heritage HeriAfya |
|---|---|---|---|
| Brand recognition | Highest | High | Medium |
| Hospital network | Widest | Wide | Medium |
| Premium (individual) | KES 35,000+ | KES 30,000+ | KES 25,000+ |
| First-year commission | 15–20% | 20–25% | 18–22% |
| Claims speed | 3–5 days | 3–7 days | 5–10 days |
Your Action Items
- Know the tiers. Have the premium tables saved on your phone.
- Lead with J-Care Gold. It's the sweet spot — good coverage, reasonable price.
- Use CoverBora for objections. When they say "too expensive," you have a fallback.
- Position J-Senior proactively. Ask about parents. There's a market there.
- Compare Jubilee quotes instantly using BimaSasa's quote comparison tool.
Next Steps
- Download Jubilee's product brochures from your agent portal
- Set up your BimaSasa account to generate Jubilee quotes in seconds
- Read: How Commission Structures Work
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