Individual And Family Medical Insurance Plans

From coughs to chronic ailments, with our medical plans you and your family members can access quality health treatment from our panel of top-notch hospitals, clinics, and specialists.

Value Adds

Cover for medical injuries resulting from political violence
Get airlifted locally and internationally for safety or medical access.
You are what you eat. We give you nutrition advice.
We’re here for you 24/7. Just call our Contact Centre.
Health service brought even closer through health camps and alerts on your phone.
Funeral expenses in case of loss of life.

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Eligibility Criteria

Age: Newborn upon discharge to a maximum of 64 years

Kenyan Resident

KRA PIN

We care about your Health, Wealth and Wellbeing. At AAR Insurance you are in Control.

Inpatient Services

Re-constructive surgery.
Maternity services including both normal, elective or emergency CS delivery. Parent/Guardian accommodation when insured child is under age of 8 years (Lodger Fee).
Organ transplant.
Post hospitalization discharge medication of up-to 14 days.
Accidental damage to natural teeth.
Accidental damage to eyes.
Etopic pregnancy.

Outpatient Services

Laboratory services
Radiotherapy and Chemotherapy including X-Rays, MRI and CT scans.
Cancer tests and consultation.
Dental treatment including simple extractions, difficult extractions, fillings, scaling and polishing.
Gum surgery, Root Canal Treatment, Pulpototmy & Minor Oral surgery.
Optical services - prescribed lenses, contact lenses, Diopteric power +/- 0.25 D and more, and frames.
Pre-natal and Post Natal Care.

Benefits for you & your family

IN-PATIENT	PLATINUM	GOLD	SILVER PLUS	SILVER	BRONZE	COVER ME
	Ksh	Ksh	Ksh	Ksh	Ksh	Ksh
Overall	40,000,000	20,000,000	12,000,000	6,000,000	3,000,000	1,000,000
Accident	20,000,000	10,000,000	8,000,000	4,000,000	2,000,000	500,000
Illness	20,000,000	10,000,000	4,000,000	2,000,000	1,000,000	500,000
Sub-Benefits within illness benefit
Pregnancy & related complications (after one year of Cover)	500,000	200,000	150,000	100,000	75,000	50,000
Chronic and Pre-existing conditions (and related conditions) (after one year of Cover)	5,000,000	1,000,000	750,000	500,000	300,000	150,000
Newly diagnosed chronic conditions	2,500,000	500,000	375,000	250,000	150,000	75,000
Bed Limit per day	40,000	25,000	15,000	12,000	8,000	6,000
Congenital conditions (after one year of Cover)	500,000	250,000	200,000	150,000	100,000	50,000
Inpatient Dental Illness	100,000	100,000	100,000	100,000	100,000	100,000
Inpatient Optical Illness	75,000	75,000	75,000	75,000	75,000	75,000
Ectopic pregnancy covered under illness benefit
Funeral Expenses	200,000	175,000	150,000	125,000	100,000	50,000
Personal Accident Cover	1,000,000	1,000,000	-	-	-	-
OUTPATIENT
Outpatient Limit	250,000	200,000	150,000	100,000	75,000	50,000
Sub-Benefits within outpatient benefit
Dental	25,000	20,000	15,000	10,000	7,500	5,000
Optical	25,000	20,000	15,000	10,000	7,500	5,000
Annual Checkup	25,000	20,000	15,000	10,000	5,000	2,500