Jubilee Health Insurance, the No. 1 health insurer in East Africa and the region’s largest multi-line insurer, offers CoverBora—a straightforward, budget-friendly hospitalization medical insurance plan tailored for individuals and families. Designed to provide essential inpatient protection at low premiums, CoverBora focuses on core hospital benefits while keeping costs accessible for everyday Kenyans in Kakamega, Nairobi, and across the country.
CoverBora complements SHA (all inpatient bills paid net of SHA rebates) and emphasizes empathy-driven service with pre-authorization for smooth claims. It’s ideal for families seeking reliable cover for emergencies, surgeries, maternity (after waiting period), chronic conditions (after 12 months), and more—without breaking the bank.
Core Inpatient Benefits (Compulsory – Per Family)
All inpatient treatment requires pre-authorization. Benefits subject to overall annual family limit unless specified.
| Benefit Description | Plan A (250,000) | Plan B (350,000) | Plan C (500,000) |
|---|---|---|---|
| Overall Annual Benefit Limit (KES per family) | 250,000 | 350,000 | 500,000 |
| COVID-19 Hospitalization Benefit (per family) | 100,000 | 150,000 | 200,000 |
| Pre-existing, Chronic & HIV (incl. ARVs) (within inpatient limit; 12-month waiting period) | 100,000 | 150,000 | 250,000 |
| Hospital Bed Limits (net of SHA) | General Ward | General Ward | General Ward |
| Last Expense Benefit (within inpatient limit) | 20,000 | 30,000 | 50,000 |
| Psychiatric Illness | Covered | Covered | Covered |
| Post-Hospitalization (up to 3 weeks after discharge) | 10,000 | 10,000 | 10,000 |
| Lodger Fee (for children below 10 years) | Covered | Covered | Covered |
| Doctors’ Fees (Physician, Surgeon, Anaesthetist) | Covered | Covered | Covered |
| ICU/HDU & Theatre Charges | Covered | Covered | Covered |
| Drugs, Medicines, Dressings & Internal Surgical Appliances | Covered | Covered | Covered |
| Pathology, X-ray, Ultrasound, ECG, CT, MRI (authorization required) | Covered | Covered | Covered |
| Inpatient Optical (from illness, excl. laser eye surgery) | 30,000 | 50,000 | 100,000 |
| Inpatient Dental (from illness) | 30,000 | 50,000 | 100,000 |
| Normal Deliveries, Caesarean & Complications (within inpatient limit; 9-month waiting period) | 40,000 | 50,000 | 75,000 |
| Pre-term & Congenital Conditions | 50,000 | 50,000 | 50,000 |
| Accidental-Related Dental & Optical Treatment | Covered | Covered | Covered |
| Inpatient Physiotherapy | Covered | Covered | Covered |
| Day Care Surgery | Covered | Covered | Covered |
| Local Emergency Road Evacuation | Covered | Covered | Covered |
Premium Rates (Annual – KES)
Premiums based on family size and plan selected. Family = Principal + Spouse + up to 4 children/dependants (M+4).
| Plan | Individual (Annual) | Family (up to M+4) | Additional Child/Dependant |
|---|---|---|---|
| A (250,000) | 6,200 | 12,600 | 1,250 |
| B (350,000) | 8,100 | 15,100 | 1,275 |
| C (500,000) | 11,400 | 19,600 | 1,340 |
General Conditions & Eligibility
- Waiting Periods:
- 12 months: Pre-existing/chronic/gynaecological/cancer/HIV
- 9 months: Maternity & related complications
- 6 months: Scheduled surgical cases
- Age Limits:
- Principal & Spouse: 18–60 years entry; coverage to 65 years
- Children: From birth (term baby ≥38 weeks) to 18 years (or 25 if full-time student & residing with parents)
- Other Rules:
- Premiums paid in advance/full for cover to be effective
- Scheduled admissions: Pre-authorize 48 hours prior
- All bills net of SHA rebates
- Verification at accredited panel providers (carry ID/medical card)
- Specialized tests/procedures require pre-authorization
Key Exclusions (Partial List – Refer to Policy Document)
- Peri-menopause/menopause/andropause/HRT/age/puberty-related treatment
- Genetic disorders/testing
- Cosmetic/plastic surgery (unless accident-related)
- Beauty treatments, sanatoria/old age homes
- Non-ambulance transport
- Nutritional supplements/vitamins (unless prescribed for specific conditions)
- War/terrorism/riots/strikes
- Alternative/herbal/acupuncture/chiropractic (unless GP-referred)
- Recoverable from other sources (SHA, Workmen’s Comp, PA)
- Non-compliance with medical advice
- Infertility/impotence/fertility treatments
- Obesity/slimming/weight reduction
- Epidemics/pandemics (except COVID-19 up to limits)
- Alcohol/drug/substance abuse
- Extreme/hazardous sports
How to Join & Get Support
- Required Documents:
- National ID & KRA PIN (adults/dependants/beneficiaries)
- Birth certificate/notification (stamped) for children under 18
- Contact Jubilee Health Insurance:
- 24hr Call Centre: 0709 949 000
- WhatsApp Chat Bot (Julie): +254 709 949 000
- Email: Talk2UsHealth@jubileekenya.com
- Website: www.jubileeinsurance.com
- Head Office: Jubilee Insurance Centre, Wabera Street, P.O. Box 6694-00100 GPO, Nairobi
Jubilee Health Insurance is regulated by the Insurance Regulatory Authority (IRA) and prioritizes data privacy (see privacy notice at www.jubileeinsurance.com/ke/privacy/; inquiries: privacy@jubileekenya.com).
CoverBora is a smart, affordable inpatient solution for families in Kakamega County and beyond—protecting against hospital bills while complementing SHA. For personalized quotes or to compare with other Jubilee plans, call 0709 949 000 or WhatsApp today. Secure your family’s health with Jubilee!
