Jipange Medical
Your Health, Our Priority
At Kulman Group, we believe that access to quality healthcare is a fundamental right, not a privilege. That’s why we’ve developed a medical insurance solution tailored specifically for employees of tier-one companies, ensuring that you and your loved ones are protected without compromising your financial stability.
Why We Created This Product
Traditional insurance plans often come with complexities and costs that can be daunting. We saw an opportunity to change that narrative. Our goal was simple: to create an affordable, accessible, and comprehensive medical insurance plan that aligns with the unique needs of our users.
What Makes Our Plan Exceptional
Free Coverage With Jipange Emergency Advance
Employees who take an advance will automatically recieve HospiCash Essential coverage the following month, with no additional actions or costs required.
Peace of Mind During Hospitalization
Our plans offer hospital cash benefits, providing financial support for daily expenses during hospitalization. This ensures that you can focus on recovery without the added stress of lost income.
Comprehensive End-of-Life Benifits
Options 2 and 3, provided by Turaco, include end-of-life benefits, offering financial assistance to families for funeral expenses. This feature is especially valuable for individuals who may not have access to traditional life insurance.
Seamless Enrolment
With our intuitive USSD platform, enrolling and managing your insurance is just a few clicks away, ensuring accessibility for all, regardless of device type.
Flexible Options
Choose from three distinct plans to find the coverage that best suits your lifestyle and needs.
Empowering Your Health Journey
Our medical insurance isn’t just about coverage—it’s about empowerment. By removing financial barriers to missing work and simplifying access to healthcare, we’re enabling you to take control of your health journey with confidence.
Hospicash - Essential
- Waiting Period - 30 Days
- Missed Work Reimbursement
- Ksh 500/Night
- Kicks in After 3 Nights
- Up to 15 Nights Per Year
Hospicash - Advanced
- Waiting Period - 30 Days
- Reimbursement for Missed Work
- Ksh 1,000/Night
- Kicks in After 1st Night
- Up to 20 Nights Per Year
- Reimbursement for Maternity Hospital Stay
- Ksh 1,000/Night
- Kicks in After 5th Night
- Up to 10 Nights Per Year
- End of Life Benifit
- Ksh 50,000
Hospicash - Pro
- Waiting Period - 30 Days
- Reimbursement for Missed Work
- Ksh 2,000/Night
- Kicks in After 1st Night
- Up to 20 Nights Per Year
- Reimbursement for Maternity Hospital Stay
- Ksh 2,000/Night
- Kicks in After 5th Night
- Up to 10 Nights Per Year
- End of Life Benifit
- Ksh 100,000
- Outpatient Reimbursement
- Ksh 5,000
Frequently Asked Questions: Jipange Medical
How Does it Work
What is Jipange Medical?
Jipange Medical is a specialized insurance product designed to support you financially during critical life events. It provides:
Hospital Cash Benefits: Receive daily cash payouts for each night you’re hospitalized, helping to offset lost income.
Maternity Leave Support: Offers financial assistance during maternity leave, easing the burden during this important time.
End-of-Life Coverage: Provides a lump-sum payment to your beneficiaries in the unfortunate event of your passing, ensuring they’re supported.
How is this different from traditional medical coverage?
Unlike traditional health insurance that pays hospitals directly for your medical bills, Jipange Medical offers cash benefits directly to you. This means you can use the funds to cover daily expenses, lost income, or any other needs while you’re recovering.
Who can sign up for Jipange Medical?
Jipange Medical is available exclusively to clients of Kulman Group. If you’re associated with a tier-one company partnered with us, you’re eligible to enroll.
Is this a loan?
No, Jipange Medical is not a loan. It’s an insurance product that provides financial benefits during specific life events. You don’t need to repay any amounts received under this cover.
What happens if I leave my job?
You’re no longer eligible for Kulman services — they’re tied to your employment.
How do I check if my cover is active?
Once enrolled, you’ll receive an SMS confirmation detailing your coverage status. This message will include your policy number and the specifics of your benefits.
What if I need Help urgently?
In case of a medical emergency, go directly to the nearest hospital for immediate care. Afterward, you can file a claim to receive the applicable benefits under your Jipange Medical cover.
Claims Information
How do I make a claim?
Once your Jipange Medical policy becomes active, you will receive detailed instructions via SMS on how to file a claim. This message will guide you through the necessary steps and documentation required.
For Hospicash Essential – Call or Whatsapp +254 780 983 005
For Hospicash Advance and Pro – Call or Whatsapp +254 768 387 245
How long does it take to process a claim?
Essentials Plan: Claims are processed within up to 7 business days.
Advance & Pro Plans: Enjoy faster processing times of within 72 hours.
Please ensure all required documents are submitted promptly to facilitate timely processing.
Contact Information: Claims
Essentials Plan: For any inquiries or support, please call or WhatsApp 0780 983 005.
Advance & Pro Plans:
WhatsApp: Chat directly with our support line at +254 768 387 245
Call Centre: Operational weekdays, 8am–5pm via 0800 221 245
What documents do I need?
Hospicash - Essentials
- Discharge summary
- Itemized invoice
- Payment receipt
- ID copy and KRA PIN
Hospicash - Advanced
Hospital & Maternity Required Documents:
- Copy of ID (front and back)
- Signed and stamped hospital admission and discharge summary
- Hospital invoice or payment receipt
- NHIF/SHIF payment proof (if available)
Last Respect Cover Acceptable Documents (any combination):
- Burial permit or death certificate
- Letter from religious leader or local authority
- Mortuary receipt
- Coroner’s or police report (where applicable)
- Copy of the deceased’s ID
Hospicash - Pro
Hospital & Maternity Required Documents:
- Copy of ID (front and back)
- Signed and stamped hospital admission and discharge summary
- Hospital invoice or payment receipt
- NHIF/SHIF payment proof (if available)
Last Respect Cover Acceptable Documents (any combination):
- Burial permit or death certificate
- Letter from religious leader or local authority
- Mortuary receipt
- Coroner’s or police report (where applicable)
- Copy of the deceased’s ID
Employers: FAQ's
How does my staff purchase this coverage?
Your staff can easily enroll in Jipange Medical via USSD. Simply dial *483*14# on their mobile phones to access the enrolment menu. The first coverage option is free, providing immediate access to essential benefits.
Can I purchase this coverage on my staffs behalf?
Yes, employers can facilitate the enrollment of their staff into Jipange Medical. Please contact us directly to discuss group enrollment options and assistance with the process.
How does this affect data privacy for my staff?
Your data privacy is of utmost importance to us. All personal information is handled in accordance with our strict privacy policies and terms and conditions. We ensure that your data is protected and used solely for the purposes of providing and managing your insurance coverage.
What are the benefits of this product to my employee base?
ipange Medical offers a range of benefits designed to provide financial support during critical times:
Hospital Cash Benefits: Receive daily cash payouts for each night you’re hospitalized, helping to offset lost income.
Maternity Leave Support: Offers financial assistance during maternity leave, easing the burden during this important time.
End-of-Life Coverage: Provides a lump-sum payment to your beneficiaries in the unfortunate event of your passing, ensuring they’re supported.
Affordable Plans: Starting at just KES 10 per month, our plans are designed to fit seamlessly into your budget while providing substantial benefits.
Easy Enrolment: Enroll via USSD by dialing *483*14#, making the process quick and accessible.
Can I do a matched contribution for my staff?
Yes! Employers have the option to match their employees’ contributions to Jipange Medical. This not only enhances the benefits for your staff but also demonstrates a commitment to their well-being.
Are these product offerings customizable?
Absolutely. For organizations with more than 1,000 employees, we offer customizable insurance solutions tailored to your specific needs. Please contact us to explore bespoke coverage options for your team