Jubilee JCare Johari: Affordable, All-in-One Family Medical Insurance in Kenya
Finding affordable yet comprehensive health insurance in Kenya just got easier with Jubilee JCare Johari. Designed for individuals and families who want quality healthcare without breaking the bank, JCare Johari offers a balanced mix of inpatient and outpatient coverage. With straightforward plan options and an extensive provider network, it’s becoming a top choice for Kenyans seeking reliable medical protection.
Key Takeaways
- Budget-friendly premiums: Starting from KES 25,564 annually for individuals
- Two comprehensive plans: Choose between Plan A (KES 200,000 inpatient) and Plan B (KES 400,000 inpatient)
- Family-focused coverage: Affordable rates for families of all sizes
- COVID-19 protection: Special coverage for testing and hospitalization
- Extensive provider network: Access to quality healthcare facilities nationwide
Table of Contents
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What is Jubilee JCare Johari?
JCare Johari is an affordable medical insurance product from Jubilee Health Insurance Limited, one of Kenya’s most trusted insurance providers. Designed in partnership with Diamond Trust Bank, this plan offers essential healthcare coverage at budget-friendly prices.
Unlike complex insurance products with confusing sub-limits, JCare Johari provides straightforward coverage with two simple plan options. It combines inpatient, outpatient, and special benefits in a single package that’s accessible to individuals and families.
💡 JCare Johari stands out for its COVID-19 coverage, including testing and hospitalization benefits – a crucial feature in today’s healthcare landscape.
✅ Key Benefits & Coverage
Inpatient Benefits
- Hospitalization (general ward)
- COVID-19 hospitalization coverage
- Chronic conditions coverage (after waiting period)
- Emergency road ambulance
- Maternity cover (normal and C-section)
- Dental surgery from accidents
Outpatient Benefits
- GP consultations
- COVID-19 testing (KES 15,000 family limit)
- Prescription drugs (up to 14 days supply)
- Routine immunizations (KEPI)
- Annual medical checkup (KES 10,000)
- Specialist consultations (on referral)
Special Benefits
- External aids (hearing aids) coverage
- Last expense benefit
- Personal accident cover
- Pain management
📊 Plan Options & Coverage Limits
| Benefit | Plan A | Plan B |
|---|---|---|
| Inpatient Limit | KES 200,000 | KES 400,000 |
| Outpatient Limit | KES 40,000 | KES 50,000 |
| COVID-19 Hospitalization | KES 200,000 per family | KES 200,000 per family |
| Chronic Conditions | KES 50,000 | KES 100,000 |
| Maternity Cover | KES 40,000 | KES 50,000 |
| External Aids | KES 20,000 | KES 20,000 |
| Last Expense | KES 20,000 | KES 25,000 |
| Personal Accident | KES 100,000 | KES 100,000 |
💰 Premium Rates: Annual Costs
| Family Size | Plan A (KES) | Plan B (KES) |
|---|---|---|
| Individual (M) | 25,564 | 30,687 |
| M + 1 Dependent | 35,749 | 42,922 |
| M + 2 Dependents | 45,936 | 55,157 |
| M + 3 Dependents | 56,121 | 67,391 |
| M + 4 Dependents | 66,307 | 79,626 |
| M + 5 Dependents | 76,492 | 91,861 |
Note: Premiums do not include 0.45% training levy & policyholders funds, plus KES 40 stamp duty.
🏥 Eligibility Criteria
- Main member: 18-60 years (coverage continues to 65)
- Children: From birth (38 weeks term) to 18 years
- Students: Covered up to age 25 with proof of schooling
- Must use Jubilee’s provider panel for treatment
- NHIF membership required (bills paid net of NHIF)
⚠️ What’s Not Covered
Like all insurance plans, JCare Johari has specific exclusions:
- Cosmetic or plastic surgery (unless accident-related)
- Alternative treatments (herbal, acupuncture, chiropractic)
- Beauty treatments, massages, or stays in sanatoria
- Dental treatments (except accident-related surgery)
- Optical treatments for eyesight correction
- Fertility and infertility treatments
- Weight reduction programs and obesity treatment
- Conditions from alcohol/drug abuse
- Epidemics/pandemics (except COVID-19)
⏳ Waiting Periods
| Condition | Waiting Period |
|---|---|
| General illness | 30 days |
| Pre-existing/chronic conditions | 1 year |
| Maternity and related complications | 1 year |
| Gynaecological conditions | 1 year |
| Non-accident dental surgery | 1 year |
| Accident-related treatment | No waiting period |
📍 How to Apply for JCare Johari
Enrolling in JCare Johari is simple and straightforward:
| Method | Process |
|---|---|
| USSD Code | Dial *643*5# and follow prompts |
| Online Application | Visit digital.jubileeinsurance.com/johari |
| Insurance Agent | Contact Step by Step Insurance for guidance |
| Jubilee Offices | Visit any Jubilee Health branch countrywide |
Required Documents
- Copy of ID for main member
- KRA PIN certificate
- Birth certificates for dependents
- Proof of schooling for students over 18
- NHIF membership details
🛒 Why Choose JCare Johari?
| Feature | Benefit |
|---|---|
| Affordable Premiums | Budget-friendly rates starting at KES 25,564 annually |
| Family Flexibility | Coverage for families of all sizes with graduated pricing |
| COVID-19 Protection | Special coverage for testing and hospitalization |
| Established Provider | Backed by Jubilee, Kenya’s trusted insurance leader |
| Digital Access | Easy enrollment via USSD and online portal |
| Special Benefits | Includes last expense and personal accident coverage |
Compared to other affordable family medical insurance options in Kenya, JCare Johari stands out for its balance of comprehensive coverage and budget-friendly pricing.
🔗 Let’s Get You Covered Today
Ready to secure JCare Johari for yourself or your family? Our insurance experts at Step by Step Insurance can help you choose the right plan and navigate the enrollment process smoothly.
