Covid-19 Testing
All coverage levels from KES 500,000 to KES 10,000,000 provide testing for Covid-19. This ensures members can access necessary testing without additional financial strain.

Outpatient Medical Appliances/Equipment
Following hospitalization or surgery, members can access outpatient medical appliances and equipment, including non-motor wheelchairs and oxygen, on a doctor’s recommendation. This benefit applies across all coverage levels, helping ease recovery at home.

Hearing Aids
Members can claim hearing aids once every three years, up to a maximum of KES 30,000. There is a waiting period of 10 months before this benefit can be accessed.

Pre-existing, Chronic, and Congenital Conditions
Conditions such as gynaecological issues, hernias, HIV/AIDS, and more are covered, subject to a one-year waiting period. Members can be assured of support for ongoing medical needs that existed at the time of joining.

Newly Diagnosed Cancer
Coverage for newly diagnosed cancer is included after a one-year waiting period. This ensures members have financial backing during a difficult time.

Psychiatric Treatment
Members can access psychiatric care after a 10-month waiting period, with full coverage available across all benefit levels.

Preventative Vaccinations
Vaccinations for conditions like pneumonia and flu are covered for all members, ensuring they stay protected from common infections.

Supplements
Supplements are covered when deemed medically necessary and pre-authorized, giving members the extra support they may need for their health.

Optical Coverage
Frames can be replaced once every two years, up to a sublimit of KES 8,000. Coverage also extends to other necessary optical treatments.

Dental Coverage
Dental care includes anesthetist’s fees, operating theatre costs, and treatments like fillings, extractions, and root canals. Coverage is subject to available limits, ensuring members have access to essential dental care.

Below services are catered for under inpatient hospitalization and day patient;

1. Hospital Accommodation Charges.
2. Doctor’s fees; Physician, Surgeon & Anesthetist.
3. ICU/HDU and Theatre charges.
4. Drugs/Medicines, Dressings and Internal Surgical appliances.
5. Pathology, X-ray, Ultrasound, ECG and Computerized Tomography (CT), PET Scan, MRI Scans.
6. Radiotherapy and Chemotherapy.
7. In-patient Physiotherapy.
8. Emergency Road and Air Evacuation within East Africa subject to the overall cover limit.
9. Day Care Surgery
10. Home Nursing care up to 60 days
11. Discharge drugs up to 3 weeks’ month after discharge
12. Annual Checkups
13. Political Violence and Terrorism
14. Rehabilitation and Post-hospitalisation

Expanded Hospital & Provider Network

• Access to over 1,000 healthcare providers within the AAR network across East Africa.
• Overseas referrals for treatments not available locally.
• Airfare and accommodation support for approved overseas medical treatments.

Enhanced Emergency Services

• Evacuation services available within East Africa.
• Air evacuation for inpatient cover starting from the Kes 3 million limit and above, while road ambulance services are available across all cover limits.

Improved Coverage for Chronic Conditions

• Enhanced coverage for chronic illnesses, applicable to both inpatient and outpatient treatments.
• Reduced waiting periods for accessing chronic condition benefits.

Wellness Package

• New annual check-up benefit included in inpatient coverage.
• Preventative care programs under outpatient coverage, including telemedicine, medication delivery, and condition management services.

Lifetime Cover & Comprehensive Options

• Lifetime renewability for members who join between the ages of 65 and 85. Dependents under 17 years can also be added.
• A comprehensive range of options for both inpatient and outpatient care, covering dental and optical services.

• Persons from the age of sixty-five (65) years (age next birthday) to eighty-five (85) years are eligible. Existing members can continue renewing in the scheme for life, subject to renewal review by AAR Insurance.• Eligible dependents include one legal spouse only and children 17 years and below.To be eligible, all members/dependents who are 55 years of age and above must submit a medical report in the prescribed manner. The testswill be done by a designated provider approved by AAR Insurance.Cover is subject to written acceptance by AAR InsuranceDependents under the age of 65 years and above 17 years will be covered separately under the AAR Insurance retail product