NAIROBI, Kenya, July 3 – Jubilee Health Insurance has expanded an instalment-based premium payment model aimed at making health insurance more affordable and accessible to uninsured and underinsured Kenyans.
The insurer said the move responds to customer feedback showing that while many households value health insurance, annual lump-sum premium payments remain a major barrier to uptake.
Through its Linda Afya Leo – Lipa Pole Pole programme, customers can activate health cover from the first payment and spread premiums over up to 10 monthly instalments.
The initiative targets individuals, families, first-time insurance buyers and small and medium-sized enterprises employing between three and 50 workers.
Monthly plans start from Sh3,256, providing Sh200,000 inpatient cover and Sh40,000 outpatient cover, while higher-tier packages offer inpatient cover of up to Sh10 million.
Jubilee Health Insurance Chief Executive Officer Njeri Jomo said the model is intended to address affordability challenges that continue to limit health insurance penetration in Kenya.
“Many Kenyans remain uninsured not because they do not value health insurance, but because cover is often seen as expensive and complex,” Jomo said.
“This is about much more than changing how customers pay. It’s about changing how customers access health insurance. Whether you’re buying your first health plan, protecting your family, caring for ageing parents or covering your employees, there should be a Jubilee Health solution that’s right for you, and getting covered should be simple, convenient and affordable.”
The campaign will begin in Nairobi through the Afya Mtaani initiative, with Jubilee deploying health advisors into communities before rolling out the programme to other parts of the country.
Insurance Regulatory Authority Commissioner and Chief Executive Officer Godfrey Kiptum said flexible payment options could help boost insurance penetration, particularly among low-income and informal sector workers.
“Improving insurance penetration requires solutions that respond to the realities of consumer cash flow, especially among informal sector workers and underserved households,” Kiptum said.
“Approaches that support affordability, accessibility and consumer understanding are important in broadening inclusion and strengthening confidence in insurance.”
The initiative forms part of Jubilee Health’s strategy to expand its health insurance business, with the company targeting one million covered lives by the end of 2027.
