Inpatient and Daycare

  • Overall Annual Limit (OAL) (Combined Accident and Illness Hospitalization)
    • M    : TZS 50,000,000
    • M+1: TZS 80,000,000
    • M+2: TZS 105,000,000
    • M+3: TZS 120,000,000
    • M+4: TZS 150,000,000
    • M+5: TZS 200,000,000
  • 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
  • Discharge Medication- covered up to 14 days after discharge
  • 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 up to TZS 20,000,000
  • Dialysis up to TZS 9,000,000 (within OAL)
  • Pathology, diagnostic tests and procedures
  • Radiology, radiotherapy and chemotherapy
  • Accidental damage to eyes
  • Accidental damage to natural teeth
  • Up to TZS 2,250,000 psychiatric treatment cover (within OAL)
  • Up to TZS 500,000 rehabilitation (within OAL)
  • Physiotherapy
  • Parent hospital accommodation for children under 8 years of age
  • Chronic illness up to TZS 500,000 per member per year


  • Up to TZS 3,000,000 annual limit (within OAL)
  • Antenatal visits
  • Normal and Caesarean deliveries including new born care


  • Annual Limit:
    • M    : TZS 1,000,000
    • M+1: TZS 1,600,000
    • M+2: TZS 2,100,000
    • M+3: TZS 2,700,000
    • M+4: TZS 3,000,000
    • M+5: TZS 3,600,000
  • 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 
  • Outpatient surgical operations
  • Post hospitalisation treatment


  • Up to TZS 350,000 annual limit per member per year
  • All prescribed lenses excluding contact lenses
  • Lenses and frames may be replaced in the course of the membership year to the maximum benefit per member for a year

Dental Treatment

  • Up to TZS 400,000 annual limit per member
  • Consultation, simple extractions, difficult extractions, fillings (temporary, permanent, amalgam, composite GIC)
  • Gum surgery
  • Root canal treatment
  • Pulpotomy
  • Minor oral surgery

Last Expense (Funeral)

  • Up to TZS 500,000 annual limit per member


  • Maximum entry age of 60 years
  • 1 month minimum entry age
  • Medical examinations required for new members aged 50 years and above (basic medical costs to be borne by member)
  • Medical examinations required at renewal for members aged 65 years and above (basic medical costs to be borne by AAR Insurance)
  • Healthcare provided within AAR health centres and accredited providers
  • Pre-authorisation required  for admissions into ICU and Critical Care Wards
  • Referral by AAR required for every 3 sessions of physiotherapy up to a maximum 8 sessions per condition
  • Pre-authorisation required for oncology tests, drugs and consultation fees 
  • Pre-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 specialist fees and treatment
  • Pre-authorisation required for outpatient surgical operations
  • Optometry cover provided on outpatient basis in Tanzania
  • Dental treatment cover provided on outpatient basis in Tanzania
  • Pre-authorisation required for international emergency evacuation
  • Pre-authorisation required for local emergency evacuation
  • Pre-authorisation required for emergency international medical cover
  • 90 days waiting period for illness hospitalisation
  • 9 months waiting period for maternity cover
  • 12 months waiting period for hysterectomy and myomectomy
  • 12 months waiting period for chemotherapy and dialysis
  • No waiting period for psychiatric treatment
  • No waiting period for funeral cover

Rescue and Evacuation

  • Rescue and evacuation up to Overall Annual Limit
  • Local Emergency road ambulance
  • Local emergency evacuation
  • International emergency rescue and evacuation
Copyright Declaration © 2014 AAR Insurance Tanzania Ltd.  Members Area  l Terms & Conditions  l  Privacy Policy  l  Copyright Policy   |   Recruitment   l  Feedback Form  l Support  l  FAQs | Sitemap