Jubilee Insurance Johari Medical Cover – Complete Guide 2026
Jubilee Insurance Johari Medical Cover – Complete Guide
Jubilee’s J Care Johari (often referred to as Johari Medical Cover) is an affordable health insurance plan designed for individuals, young families, and gig workers who want quality healthcare coverage without straining their budgets . Starting at just KSh 25,000 annually, it combines inpatient and outpatient benefits into a single, straightforward package .
Overview
| Feature | Details |
|---|---|
| Provider | Jubilee Health Insurance Limited, Kenya |
| Target Audience | Individuals (18-60 years), young families, gig workers |
| Annual Premium | From KSh 25,000 (Individual Plan A) |
| Coverage Type | Inpatient + Outpatient bundled |
| Plan Options | Plan A (KSh 200,000 inpatient) & Plan B (KSh 400,000 inpatient) |
Key Benefits & Coverage Limits
Plan Options Comparison
| Benefit | Plan A | Plan B |
|---|---|---|
| Inpatient Limit | KSh 200,000 | KSh 400,000 |
| Outpatient Limit | KSh 40,000 | KSh 50,000 |
| COVID-19 Hospitalization | KSh 200,000 (per family) | KSh 200,000 (per family) |
| Chronic Conditions | KSh 50,000 | KSh 100,000 |
| Maternity Cover | KSh 40,000 | KSh 50,000 |
| External Aids (hearing aids) | KSh 20,000 | KSh 20,000 |
| Last Expense Benefit | KSh 20,000 | KSh 25,000 |
| Personal Accident | KSh 100,000 | KSh 100,000 |
Source:
Inpatient Benefits
-
Hospitalization in general ward
-
COVID-19 hospitalization coverage
-
Chronic conditions cover (after waiting period)
-
Emergency road ambulance
-
Maternity cover (normal delivery and C-section)
-
Dental surgery resulting from accidents
Outpatient Benefits
-
General Practitioner (GP) consultations
-
COVID-19 testing (KSh 15,000 family limit)
-
Prescription drugs (up to 14 days supply)
-
Routine immunizations (KEPI schedule)
-
Annual medical checkup (KSh 10,000)
-
Specialist consultations (on referral basis)
Additional Special Benefits
-
Home-based care – Medical care provided at home
-
Mental wellness support – Access to psychiatric and psychological services
-
24/7 care navigation – Assistance finding appropriate healthcare providers
-
Pharmacy-based teleconsultations – Consult pharmacists remotely
-
Drug delivery – Medicines delivered to your doorstep
-
Personal accident cover – KSh 100,000 benefit
-
Last expense benefit – Funeral cover (KSh 20,000-25,000)
Premium Rates (Annual)
| Family Size | Plan A (KES) | Plan B (KES) |
|---|---|---|
| Individual | 25,564 | 30,687 |
| Member + 1 Dependent | 35,749 | 42,922 |
| Member + 2 Dependents | 45,936 | 55,157 |
| Member + 3 Dependents | 56,121 | 67,391 |
| Member + 4 Dependents | 66,307 | 79,626 |
| Member + 5 Dependents | 76,492 | 91,861 |
Source:
Eligibility Criteria
-
Main member age: 18-60 years (coverage continues to age 65)
-
Children: From birth (38 weeks term) to 18 years
-
Students: Covered up to age 25 with proof of schooling enrolment
-
Provider network: Must use Jubilee’s approved panel of hospitals
-
NHIF requirement: NHIF membership required (bills paid net of NHIF)
Waiting Periods
| Condition | Waiting Period |
|---|---|
| General illness | 30 days |
| Pre-existing / chronic conditions | 1 year (12 months) |
| Maternity and related complications | 1 year |
| Gynaecological conditions | 1 year |
| Non-accident dental surgery | 1 year |
Note: Waiting periods apply from policy start date. Refer to policy document for exact terms.
Exclusions (What’s NOT Covered)
The following are excluded from Johari Medical Cover :
| Category | Specific Exclusions |
|---|---|
| Cosmetic Procedures | Plastic surgery (unless accident-related), beauty treatments, massages |
| Alternative Medicine | Herbal treatment, acupuncture, chiropractic, holistic therapy |
| Dental & Optical | Routine dental treatment, optical/eyesight correction (except accident-related dental surgery) |
| Fertility Treatments | Fertility and infertility treatments, assisted reproduction |
| Weight Management | Weight reduction programs, obesity treatment, bariatric surgery |
| Substance-related | Conditions arising from alcohol or drug abuse |
| Lifestyle Stays | Stays in sanatoria, health farm retreats, spa treatments |
| Epidemics/Pandemics | (Except COVID-19, which is specifically covered) |
Silent Features (Value-Added Benefits Not Always Advertised)
These are features that provide significant value but may not be prominently highlighted:
-
COVID-19 Coverage Included – Unlike many plans that exclude pandemics, Johari specifically covers COVID-19 testing (KSh 15,000 family limit) and hospitalization (KSh 200,000 per family) .
-
Annual Medical Checkup – KSh 10,000 benefit for preventive health screening, encouraging proactive health management .
-
Drug Delivery to Doorstep – Medications can be delivered to your home at no additional cost through Jubilee’s pharmacy network .
-
24/7 Teleconsultations – Access to doctors and pharmacists via phone or online, reducing need for physical visits .
-
Mental Wellness Support – Coverage for psychiatric consultations and counseling services, often overlooked in budget plans .
-
Home-Based Care – Allows recovery at home with medical professional visits, reducing hospitalization costs .
-
No Age Limit for Children – Children can be covered from birth (provided 38 weeks term), and students up to age 25 with proof of schooling .
-
Personal Accident Cover Bundled – KSh 100,000 accident benefit included without separate premium .
-
Last Expense Benefit – Funeral cover of KSh 20,000-25,000 provides dignity in difficult times .
-
External Aids Coverage – Up to KSh 20,000 for hearing aids, which many budget plans exclude .
Let Annex Insurance Agency help you compare plans, understand the fine print, and choose the right Jubilee medical cover tailored to your needs and budget.
📞 Call us today: +254 724 547669
📧 Email us: info@annexinsurance.co.ke
