Jubilee Health Insurance, the leading health insurer in East Africa, offers CoverBora Medical Cover, a hospitalization medical insurance solution tailored for individuals and families. CoverBora provides comprehensive inpatient benefits at an affordable price, giving you peace of mind while managing your healthcare costs.
Why Choose CoverBora Medical Cover?
CoverBora is designed to meet the unique needs of families. Key advantages include:
- Comprehensive inpatient coverage for all family members
- COVID-19 hospitalization coverage
- Pre-existing, chronic, and HIV/AIDS treatment included within inpatient limits after a 12-month waiting period
- Affordable premiums based on family size and coverage category
- Access to pre-authorized care at accredited hospitals
- Coverage for maternity, dental, optical, and post-hospitalization care
CoverBora Inpatient Benefits
All inpatient treatment is subject to pre-authorization, and benefits are limited to the overall annual limit unless otherwise specified.
| Benefit | Plan A (KES 250,000) | Plan B (KES 350,000) | Plan C (KES 500,000) |
|---|---|---|---|
| COVID-19 hospitalization | 100,000 | 150,000 | 200,000 |
| Pre-existing, chronic, HIV/AIDS conditions | 100,000 | 150,000 | 250,000 |
| Bed limits per day (net of NHIF) | General Ward | General Ward | General Ward |
| Last expense | 20,000 | 30,000 | 50,000 |
| Psychiatric illness | Covered | Covered | Covered |
| Post hospitalization treatment (3 weeks) | 10,000 | 10,000 | 10,000 |
| Lodger fee for children <10 years | Covered | Covered | Covered |
| Doctor’s fees | Covered | Covered | Covered |
| ICU/HDU and theatre charges | Covered | Covered | Covered |
| Drugs, dressings, internal surgical appliances | Covered | Covered | Covered |
| Diagnostic tests (X-ray, Ultrasound, ECG, CT, MRI) | Covered | Covered | Covered |
| Inpatient optical treatment (non-laser) | 30,000 | 50,000 | 100,000 |
| Inpatient dental treatment | 30,000 | 50,000 | 100,000 |
| Normal and C-section deliveries | 40,000 | 50,000 | 75,000 |
| Pre-term and congenital treatment | 50,000 | 50,000 | 50,000 |
| Accidental dental and optical treatment | Covered | Covered | Covered |
| Physiotherapy | Covered | Covered | Covered |
| Daycare surgery | Covered | Covered | Covered |
| Local emergency road evacuation | Covered | Covered | Covered |
Premiums and Rates
| Plan | Individual Annual Rate | Family Annual Rate (up to M+4) | Additional Child/Dependent |
|---|---|---|---|
| A (KES 250,000) | 6,200 | 12,600 | 1,250 |
| B (KES 350,000) | 8,100 | 15,100 | 1,275 |
| C (KES 500,000) | 11,400 | 19,600 | 1,340 |
General Conditions
- Pre-existing and chronic conditions, gynaecological conditions, and cancer treatment are subject to a 12-month waiting period.
- Maternity and related complications are subject to a 9-month waiting period.
- Scheduled surgical cases require 6 months waiting.
- Eligibility: main member and spouse (18–60 years), dependent children 0 months–18 years, or up to 25 years in full-time education.
- Cover becomes effective only after written confirmation and full premium payment.
- Scheduled admissions must be pre-authorized 48 hours prior to admission.
- All hospital bills are paid net of NHIF rebates.
- Verification at accredited providers is required with identification.
Exclusions
- Cosmetic or plastic surgery unless accidental
- Beauty treatment, massage, and spa
- Fertility treatment and infertility costs
- Obesity or weight management treatments
- Non-authorized or alternative treatments (herbal, acupuncture, chiropractor)
- Treatment outside the appointed hospital panel
- Expenses recoverable under other insurance (e.g., NHIF)
- Epidemics and pandemics except COVID-19 within limits
- Substance abuse, alcohol, or drug-related treatments
Required Documents for Enrollment
- National ID and KRA PIN for all adult applicants
- Birth certificate or birth notification for all children under 18
- Completed and signed application form
How to Enroll or Learn More
- Call the 24-hour Jubilee Health Call Center: 0709 949 000
- WhatsApp Jubilee Chat Bot “Julie”: +254 709 949 000
- Email: Talk2UsHealth@jubileekenya.com
- Visit: www.jubileeinsurance.com
Once enrolled, members receive a membership card, welcome letter, policy document, and a list of hospitals and healthcare providers.
