• +254 703 063000 | +254 703 633000 | +254 20 2895000

Get Medical QuoteMedical Insurance


Our enhanced, flexible and competitive medical insurance solutions includes a wide range of inpatient and outpatient

Under our Medical Insurance Cover, we provide you with monetary compensation in the event that you sustain body injuries. These body injuries must be caused by violent, accidental, external, or visible means, all subject to the option that you select.

Request a quote

Covered Benefits


In-patient Treatment

    • Reconstructive Surgery
    • Intensive care & theatre cost.
    • Nursing Fees, medical expenses
    • Doctor’s fee
    • Bed charges (net of NHIF rebate where applicable)
    • Prescribed medicines and drugs
    • X-rays, MRI and CT scan
    • Pathology, Diagnostic tests and procedures
    • Radiology, Radiotherapy, physiotherapy and chemotherapy
    • Cancer test and consultation fees
    • Normal and CS delivery including pregnancy related complications E.g Ectopic
    • pregnancy
    • Guardian accommodation for children below 8 year of age admitted in hospital
    • Psychiatric treatment
    • Pre-existing & chronic conditions
    • Organ transplant
    • Congenital condition /defects
    • Accidental damage to eyes and natural teeth
    • Oversee referral for treatment not available locally
    • Emergency road/air rescue & evacuation (both local and international)

Supplementary Benefits

  1. Personal Accident benefits (Optional)
      • Payable in the event if Death as a result of accident 
      • Payable in the event of Permanent Total Disability (PTD)

  2. Critical Illness Cover (Optional )
    In the Event of a first time occurrence of a critical illness e.g Heart attack, coronary artery disease, stoke etc. There is a lump sum payment to the member.

 


Outpatient Benefits

These are medical services provided through AAR’s facilities or network of providers that do not require admission in hospital. The benefits services here include:

    • Primary Consultation and treatment to include medical practitioner’s fees prescribed medicines, drug and dressings.
    • X-rays, pathology, diagnostic tests & procedures.
    • Specialties & Consultation fees.
    • Physiotherapy when referred by a medical practitioner, consultant or specialist.
    • Outpatient MRI and CT Scans.
    • Pre-natal & Post-natal care.
    • Nutritional services and advice
    • Psychiatric treatment
    • Outpatient surgical operation
    • Post hospitalization treatment
    • Child vaccinations as per KEPI guidelines
    • Pre-existing & chronic conditions
    • Option to access extended networks including personal consultant
    • Eye care benefits
    • Dental treatment

 

The following benefits have waiting periods:

    • Illness hospitalization
    • Pre-existing & chronic conditions
    • Organ transplant
    • Congenital conditions
    • Maternity Cover

 

NB: Get in touch with us for a tailor made covers to suit your business needs and dynamics.

Terms and conditions apply.

Health Plan
Overall Annual Limit
Accident Limits
Illness Limits
 Rehabilitation
 Last Expense
Inpatient Treatment
Bed Limit
Discharge Medication
Pre-Existing / Chronic conditions
Congenital conditions / defects subject
to 6 months waiting period
Psychiatric treatment whether
pre -existing or not
Maternity
Normal and CS delivery including 
pregnancy related complications subjec
to 10 Months waiting period
Hospital Cash Benefit
Cash payment payable for each night
where treatment is received by an insured
person as a non-paying patient
Overall Annual Limit (OAL)
Eye Care Benefit: Outpatient
All prescribed lenses, contact lenses, Diopteric
power +/- 0.25 D and more and frames.
Dental Care Benefit: Outpatient
Consultation, Simple extractions,
Difficult extractions, Fillings
Other Optional Services
 Personal Accident with Permanent
Total Disability (18 - 59 years
Critical illness cover (18 - 59 years) subject to
1 year waiting period (Retail)
Critical illness cover (18 - 59 years) subject to
1 year waiting period (SMES’)
 Gold
Ksh 20,000,000
Ksh 10,000,000
Ksh 10,000,000
 Ksh 150,000
 Ksh 150,000
 
 Ksh 20,000
 Upto 14 days after discharge
 Ksh 1,000,000
 Ksh 150,000
 Ksh250,000
 
 Ksh 100,000
 
 Inclusive @ Kshs 2,500
per day from 3rd day of admission upto 180 days
 Kshs 200,000/100,000/50,000
 
Ksh 7,500
 
Ksh 7,500
 
 Kshs 1,000,000 include
at no extra premiums
Ksh 500,000
Ksh 500,000
 Silver
 Ksh 10,000,000
Ksh 8,000,000
Ksh 2,000,000
 Ksh 125,000
 Ksh 125,000
 
 Ksh 12,000
 Upto 14 days after discharge
 Ksh 750,000
 Ksh 125,000
 Ksh 250,000
 
 
 
  Inclusive @ Kshs 1,500
per day from 3rd day of
admission upto 180 days
 Kshs 200,000/100,000/50,000
 
 Ksh 7,500
 
 Ksh 7,500
 
 N/A
N/A
Ksh 500,000
Bronze 
 Ksh 3,000,000
Ksh 2,000,000
Ksh 1,000,000
 Ksh 100,000
 Ksh 100,000
 
 Ksh 8,000
 Upto 14 days after discharge
 Ksh 500,000
 Ksh 100,000
 Ksh 250,000
 
 
 
  Inclusive @ Kshs 1,000
per day from 3rd day of
admission upto 180 days
 Kshs100,000/50,000
 
 Ksh 7,500
 
 Ksh 7,500
 
 N/A
N/A
Ksh 500,000
Cover Me Executive
Ksh 750,000
Ksh 750,000
Ksh 750,000
Ksh 75,000
Ksh 75,000
 
Ksh 6,000
Upto 14 days after discharge
Ksh 250,000
Ksh 75,000
Ksh 100,000
 
Ksh 50,000
 
Inclusive @ Kshs 500
per day from 3rd day of
admission upto 180 days
Kshs 50,000
 
Ksh 7,500
 
Ksh 7,500
 
N/A
N/A
Ksh 500,000
Cover Me Plus
Ksh 500,000
Ksh 500,000
Ksh 500,000
Ksh 50,000
Ksh 50,000
 
Ksh 5,000
Upto 14 days after discharge
Ksh 200,000
Ksh 50,000
Ksh 100,000
 
 
 
Inclusive @ Kshs 500
per day from 3rd day of
admission upto 180 days
Kshs 50,000
 
Ksh 7,500
 
Ksh 7,500
 
N/A
N/A
Ksh 500,000

 

*Premiums are inclusive of all levies

Proposer Type(*)
Invalid Input

Company Name(*)
Company name is invalid

Full Names(*)
Invalid name input

  

Top
We use cookies to improve our website. By continuing to use this website, you are giving consent to cookies being used. Cookie policy. I accept cookies from this site. Agree