Jubilee Health Insurance is expanding an instalment-based premium payment model in Nairobi to reach uninsured and underinsured Kenyans, in a move the company says is aimed at reducing affordability barriers that prevent households and small businesses from buying private health cover.
In a press release dated Friday, 3 July 2026, the insurer said the scale-up follows customer feedback indicating that while many people value health insurance, annual lump-sum premiums are difficult to pay amid other household financial obligations.
The model, branded Linda Afya Leo – Lipa Pole Pole, allows customers to activate health cover from the first payment and pay premiums over up to 10 monthly instalments, Jubilee said. The campaign targets individuals, families, first-time insurance buyers and small and medium-sized enterprises with between three and 50 employees.
Jubilee said plan pricing starts from KSh 3,256 per month, with benefits including KSh 200,000 inpatient cover and KSh 40,000 outpatient cover. The company added that higher-tier options provide up to KSh 10 million in inpatient cover.
The expansion comes as Kenya continues to pursue Universal Health Coverage and broader financial inclusion, with insurers and regulators increasingly focused on product designs that align with cash-flow patterns—particularly in the informal sector, where many workers lack predictable monthly incomes.
Jubilee Health Insurance Chief Executive Officer Njeri Jomo said the company’s approach is meant to address affordability and enrolment hurdles that have limited private health insurance penetration.
“Many Kenyans remain uninsured not because they do not value health insurance, but because cover is often seen as expensive and complex,” Ms. Jomo said. She added: “This is about much more than changing how customers pay. It’s about changing how customers access health insurance.”
The Insurance Regulatory Authority (IRA) Commissioner and Chief Executive Officer Godfrey Kiptum said solutions that reflect consumer cash-flow realities would be important to increasing insurance uptake.
“Improving insurance penetration requires solutions that respond to the realities of consumer cash flow, especially among informal sector workers and underserved households,” Mr Kiptum said. “Approaches that support affordability, accessibility and consumer understanding are important in broadening inclusion and strengthening confidence in insurance.”
Jubilee said the campaign will be launched in Nairobi through an outreach initiative dubbed Afya Mtaani, which will deploy health advisors into communities before expanding to other regions. The company did not disclose the investment budget for the rollout or provide adoption targets for the Nairobi phase.
For Kenya’s insurance market, instalment-based premiums could intensify competition for lower-income and first-time buyers, a segment historically dominated by public schemes and employer-backed cover. If widely adopted, such payment structures may also increase policy persistency and widen the pool of insured lives, though they could raise operational costs related to collections and customer servicing for insurers.
Jubilee said the initiative supports its broader growth strategy in health insurance and its ambition to provide cover to one million lives by the end of 2027.