ShwAARi Medical Cover
ShwAARi Cover is your key to access quality healthcare while securing your financial stability. The ShwAARi Medical Cover is a one limit annual medical cover with a variety of plans, each designed to meet the unique needs for you and your family. Whether you are looking for comprehensive coverage or affordable option, the ShwAARi Medical Cover has you covered
ShwAARi Medical Cover is your solution for accessing premium healthcare while ensuring your financial stability. With a variety of plans tailored to meet diverse needs, ShwAARi provides a one-limit annual medical cover for you and your family, offering comprehensive coverage or affordable options.
Experience the benefits of ShwAARi Medical Cover, including:
- No sublimit on inpatient benefits
- Minimal exclusions
- Affordable premiums
- Minimal waiting periods
- No medical examination required
- No approval needed
- Flexible payment options accepted
- No waiting periods for groups with members up to 15
Choose from a variety of plans with different cover limits to best suit your needs:
- SHWAARI 100K – up to Ksh 100,000
- SHWAARI 250K – up to Ksh 250,000
- SHWAARI 500K – up to Ksh 500,000
- SHWAARI 750K – up to Ksh 750,000
- SHWAARI 1M – up to Ksh 1,000,000
All ShwAARi plans provide access to the following benefits:
- Inpatient services
- Outpatient services
- Dental coverage
- Optical coverage
- Emergency evacuation
- Ambulance services
- Prescription drug coverage
Individuals from birth to 100 years can join the scheme. Dependents, including spouses, own children, and legally adopted and foster children aged from birth to 18 years, are covered. Children over 18 but below 25 can be covered under their families if proof of schooling is provided.
Some Value-adds for You
- No sublimit on Inpatient benefits
- Minimal exclusions
- Affordable premiums
- Minimal waiting periods
- No medical examination required
- No approval required
- Flexible payments accepted
- No waiting periods for groups upto 15 members
What is Covered
Our Plans
Benefits
Waiting Periods
Eligibility Criteria
Cover exclusions
Our Plans
- SHWAARI 100K – with a cover limit of up to Ksh 100,000
- SHWAARI 250K– with a cover limit of up to Ksh 250,000
- SHWAARI 500K – with a cover limit of up to Ksh 500,000
- SHWAARI 750K – with a cover limit of up to Ksh 750,000
- SHWAARI 1M– with a cover limit of up to Ksh 1,000,000
Benefits
All our plans gives you access to the following benefit:
Inpatient
- Outpatient
- Dental
- Optical
- Emergency Evacuation
- Ambulance Services
- Prescription Drug Coverage
for both Dental and Optical the following limits will apply for each benefit
- SHWAARI 100K – upto a limit of Ksh5,000
- SHWAARI 250K– upto a limit of Ksh5,000
- SHWAARI 500K – – upto a limit of Ksh5,000
- SHWAARI 750K – upto a limit of Ksh7,500
- SHWAARI 1M–– upto a limit of Ksh10,000
Waiting Periods
- There is a ten-month (10 -Month) waiting period for all inpatient medical expenses related to pre-existing and/or chronic conditions. Outpatient cases relating to pre-existing and/ or chronic conditions will be subject to 3 months waiting periods
- There is a ten-month (10 -Month) waiting period for all inpatient and outpatient admissions and visits for both non-accident related surgeries, pregnancy and childbirth.
- There is a one week waiting period for both illness admissions and visits. (one week anniversary)
- No waiting periods for groups with mem bers above 15
Eligibility Criteria
Person(s) from birth to (100) years can join the scheme. Dependants include spouses, own children, and legally adopted and foster children aged from birth to 18 years. Children over 18 but below 25 years old will be covered under their families if proof of schooling is provided.
Cover exclusions
The following exclusions will apply:
- Only indicated medical expenses which are asperethical/practice guidelines of the Practice and Medical Board
- Cosmetic and breast reduction/augmentation
- Infertility Treatment
- Hearing Aids
- Treatment that is considered experimental/investigative according to accepted professional medical standards
What Customers are Saying
About this Cover
Hope MwanakeThank you for making my son's treatment smooth. Admission approval took less than 20 minutes, our discharge has been very smooth. A little birdie told me that approvals can take ages and I was a worried mum at that time so kudos. I am glad to be with you.
Marlyn N.I needed help from AAR Insurance and all I can say about them is that they are easily accessible (I don't need a card), quick to respond and it’s simple to apply for cover on their online platforms.
Davis T.I have been a customer since AAR first launched. Circumstances have necessitated me to submit claims. I have noticed a change in your Customer Relations from my first claim to the last. I consider AAR has reached a level of professional excellence and I am proud when I tell acquaintances who I am insured by. Very satisfied client. Well done.
Lydia MwangiStaff are kind and understanding. Their service is wonderful and satisfactory. They befriend clients to understand their needs. Thanks AAR.
Jane MuriithiResponsiveness exceeded my expectations. Well done. Keep it up. I promptly renewed my membership which was due on August 20th.
Jonathan MauraI have being taking care of my team's well-being seamlessly. Impressed by coverage and efficient support. Highly satisfied with this investment.
Bibian NkathaIn fact, I never expected any insurance to take care of my bills like AAR did. You are the best I can say, and congratulations as well to my agent Mr. Philip. For sure he did his best.
Smart Tools for You
AAR Insurance Sales Center
Thika Branch
Maisha Height 1st Floor,
Kenyatta Rd, Thika.
t : +254 67 22269
M : +254 731 191074
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