Medical cover guide
Jubilee J-Senior — limits, benefits and options
Jubilee J-Senior covers members aged 61 and above with inpatient limits from KSh 1,000,000 and the option to add outpatient, dental and optical benefits.
Cover typeIndividual and family
Inpatient limitsKSh 500,000 to KSh 10,000,000
Plans available5
Medical examinationAs advised by the insurer
Jubilee J-Senior — inpatient limits
| Inpatient limit | Bed entitlement | Plan |
|---|---|---|
| KSh 500,000 | General Ward | J-Senior Copper |
| KSh 1,000,000 | General Ward | J-Senior Bronze |
| KSh 3,000,000 | Standard private room up to KSh 12,500/day | J-Senior Silver |
| KSh 5,000,000 | Standard private room up to KSh 24,000/day | J-Senior Gold |
| KSh 10,000,000 | Standard private room up to KSh 32,000/day | J-Senior Diamond |
Premiums depend on the members covered and their ages, so the price for a limit is confirmed in your quotation.
Optional benefits you can add
Depending on the plan you choose, the following can be added to the inpatient cover:
- Outpatient: KSh 50,000, KSh 80,000, KSh 100,000, KSh 150,000, KSh 200,000
- Maternity: KSh 50,000, KSh 60,000, KSh 75,000, KSh 80,000, KSh 100,000, KSh 120,000, KSh 150,000, KSh 175,000, KSh 200,000, KSh 250,000, KSh 300,000
- Dental: KSh 5,000, KSh 7,500, KSh 10,000, KSh 15,000, KSh 20,000, KSh 30,000, KSh 40,000, KSh 50,000
- Optical: KSh 5,000, KSh 7,500, KSh 10,000, KSh 15,000, KSh 20,000, KSh 30,000, KSh 40,000, KSh 50,000
What the cover includes
- Inpatient core cover
- Pre-existing & chronic conditions
- Cancer treatment
- Newly diagnosed chronic conditions
- Psychiatric conditions
- COVID-19 cover
- Post-hospitalisation treatment
- Emergency evacuation
- Optional outpatient
- Optional dental
- Optional optical
- Optional maternity where applicable
- Last expense
- Personal accident
Benefit sub-limits (pre-existing conditions, chronic conditions, maternity, psychiatric care, last expense and so on) are printed on every quotation we issue and are listed in the insurer's brochure.
Waiting periods
- J-Care/J-Senior: 30d illness
- 1y specified pre-existing/related conditions
- 2y cancer
- J-Biz: 14d illness for new groups; accident treatment has no general waiting period
Co-payment, where it applies
- J-Care/J-Senior: KSh 2,000 at Nairobi Hospital Main, MP Shah Parklands, Karen Hospital, Aga Khan University Hospital Parklands, Gertrude’s Muthaiga and AAR Hospital Kiambu Road;
- KSh 1,000 at Mater Main, Avenue Parklands, Mediheal Parklands/Eldoret, Eldoret Hospital, St Luke’s Orthopaedic Eldoret, Mombasa Hospital and Premier Hospital Nyali
- J-Biz: KSh 2,000 at listed high-cost facilities in the brochure
Jubilee J-Senior — frequently asked questions
What inpatient limits are available on Jubilee J-Senior?
The limits we quote are KSh 500,000 to KSh 10,000,000 per year. Each limit is a separate plan with its own benefits schedule, so the premium and the sub-limits change with the limit you pick.
Can I add outpatient, maternity, dental or optical cover?
Yes. Depending on the plan, optional benefits can be added at the amounts listed above. Outpatient cover is normally required before dental or optical benefits can be selected.
Who can be covered?
This product covers a principal member, and can include a spouse and children on the same policy.
How is the premium paid?
Premiums are paid directly to Jubilee using the payment details printed on your quotation. Now Insurance Agency does not receive or handle client payments.
How long does cover take to start?
Cover is typically confirmed within 1 to 5 working days after payment or IPF settlement and receipt of complete documents, subject to the insurer's underwriting and acceptance.
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