The major focus in the study highlights the claim ratio of the Jubilee insurance company, in comparison to four other insurance companies in Kenya transacting medical insurance during the period 2013 to 2018. The study identifies the company with the highest and lowest average claim ratio throughout the period. The study examined the trends of the ratio and assessed a relationship between Net Premium Income and Claim of the selected Insurance Companies. The study was based on secondary data collected from the Insurance Regulatory Authority (IRA) website and the method of claim ratio is used for analysis. Jubilee insurance company is renowned for a consistent claim ratio and boasts a large number of policyholders. Premium rates are comparatively low in the industry and it increases with the claims reported. The claim ratio of Jubilee insurance, ICEA LION, and Britam shows an increasing trend while Madison and CIC Insurance portray a decreasing trend over the period. Britam Insurance Company reports the lowest average claim ratio (67.7%) while Madison Company reports the highest average claim ratio (93.783%) during the 6-year’s study period. The major intent is to understand the efficiency of Jubilee Insurance’s claim ratio through critical comparative analysis of Britam, ICEA LION, Madison and CIC insurance companies

Keywords : Non-Life Insurance, Net Premium, Claim Paid, Medical Cover, Claim Ratio, Policyholder.