Inpatient and Daycare

  • US$ 200,000 overall annual limit (OAL)
  • Combined accident and illness hospitalisation within OAL
  • Accidents, emergencies, intensive care and theatre costs
  • Hospital accommodation in private ward
  • Nursing fees, medical expenses and ancillary charges
  • Surgeons’, consultants’, anaesthetists’, and medical practitioners’ fees
  • Prescribed medicines and drugs
  • Reconstructive surgery following an accident or  surgery for an eligible medical condition
  • Internal prostheses
  • X-rays
  • MRI and CT scans 
  • Admissions to ICU and Critical Care Wards
  • Pathology, diagnostic tests and procedures
  • Radiology, radiotherapy and chemotherapy
  • Cancer treatment: Oncology tests, drugs and consultation fees
  • Accidental damage to eyes
  • Accidental damage to natural teeth
  • Up to US$1,000 Rehabilitation (within OAL)
  • Up to US$ 2,000 psychiatric treatment cover
  • Physiotherapy
  • Parent hospital accommodation for children under 8 years of age
  • Chronic illness
  • Overseas referral for treatment not available locally (Kenya, South Africa, India)


  • Normal and Caearean Section including new born care up US$ 2,750 (within OAL)


  • US$ 1,200 annual limit 
  • Primary consultations and treatment - including medical practioners' fees, prescribed medicines, drugs and dressings
  • X-rays, pathology, diagnostic tests and procedures
  • Prescribed medicines, drugs and dressings
  • Specialialists' and consultants' fees 
  • Physiotherapy 
  • Radiology, radiotherapy and chemotherapy
  • Cancer treatment: Oncology tests, drugs and consultation fees (within OAL)
  • MRI and CT scans
  • Outpatient surgical operations
  • Antenatal treatments and examinations
  • Post hospitalisation treatment


  • Up to US$ 300 annual limit
  • All prescribed lenses excluding contact lenses

Dental treatment

  • Up to US$ 300 annual limit
  • Consultation, simple extractions, difficult extractions, fillings (temporary, permanent, amalgam, composite GIC)
  • Gum surgery
  • Root canal treatment
  • Pulpotomy
  • Minor oral surgery

Last Expense (Funeral) Benefit

  • Up to US$ 600


  • Preauthorisation required  for admissions into ICU and Critical Care Wards
  • Referral by AAR required for every every 3 sessions of physiotherapy up to a maximum 8 sessions per condition
  • Pre-authorisation required for oncology tests, drugs and consultation fees 
  • Authorisation required for antenatal visits

Outpatient treatment provided within AAR clinics in East Africa and accredited providers within Tanzania.

  • Pre-authorisation required for specialist fees and treatment
  • Pre-authorisation required for MRI and CT scans
  • Pre-authorisation required for radiology, radiotherapy and chemotherapy
  • Pre-authorisation required for outpatient surgical operations
  • Optometry cover provided on outpatient basis in Tanzania
  • Dental treatment cover provided on outpatient basis in Tanzania
  • Authorisation required for international emergency evacuation
  • Authorisation required for local emergency evacuation
  • Pre-authorisation required for emergency international medical cover
  • 1 month minimum entry age
  • 60 years maximum entry age
  • Medical examinations required for new members aged 50 years and above
  • Medical examinations required for renewing members aged 50 years and above
  • Medical examination for membership to be borne by AAR Insurance
  • 12 months waiting period for hysterectomy and myomectomy
  • 12 months waiting period for chemotherapy
  • 12 months waiting period for any internal prosthetic (including cataract) unless it is needed as a result of an accident or illness that occurred after becoming a member

Rescue and Evacuation

  • Rescue and evacuation up to overall annual limit
  • Local emergency road ambulance
  • Local emergency evacuation
  • International emergency rescue and evacuation

Other Benefits

  • Worldwide international emergency medical cover 
  • Funeral expenses up to a limit of US$ 500

Value added service

  • Personal Accident cover 
  • Group Excess of Loss cover
  • Hospital Cash
  • Critical illness cover
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