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Medical 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.

We offer Medical Insurance Solutions for the following;

  1. Individuals and Families
  2. Small Medium Enterprises (SMEs)
  3. Corporate 

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.

I am interested let me 

 

At AAR, we understand the importance of your health and that of your family. For your security and peace of mind, we have tailored healthcare packages that are designed to ensure that you receive the very best the market has to offer. With us, you are guaranteed of value for your money without compromising on the quality of medical attention and professional service.

Through our network of medical professionals and facilities together with our fully-equipped, state-of-the-art clinics all over East Africa, we can offer you innovative and affordable solutions that give you the flexibility to choose your preferred health plan.

See Benefits schedule below.


Health Plan 
 Geographical Area
BENEFITS
OVERALL ANNUAL LIMIT -INPATIENT (OAL) combines the accident and illness limit
 M-Only
M+1
M+2 
M+ 3 
M+4 
M+5
 Rehabilitation  (within OAL) per member Per year
Last expense (within OAL)  per member Per year
 
IN-PATIENT & DAYCARE TREATMENT    
Hospital
 Bed limit
 Congenital conditions/defects (within OAL)
Wheel chairs, prosthesis and crutches
Accidents & Emergency, Intensive Care & Theatre Costs
Nursing Fees, medical expenses & charges
Surgeons, Anaethetists, Physicians fees
Prescribed medicines and drugs
Discharge medication
X-rays
MRI and CT scans
 Pathology, diagnostic tests & procedures
Radiology, radiotherapy & chemotherapy
 ICU AND Critical Care Wards: Admissions to these units with special authorization required from AAR. Within Shared Limit
Dialysis. Within Shared Limit
Physiotherapy
 Parent Accommodation, insured parent with an insured child under 8 years of age in hospital
Psychiatric treatment (within OAL). Within shared limit 
 
OUT-PATIENT TREATMENT 
Covered within AAR Clinics in East Africa and specified accredited providers within Tanzania
M-Only
 M+1
 M+2
M+ 3 
M+4
 M+5
Chronic Illness  Per member per year
 Primary consultations and treatment to include medical practitioners' fees, prescribed medicines, drugs and dressings.
X-rays, pathology, diagnostic tests & procedures
Physiotherapy (Referral by AAR required every every 3 sessions up to maximum 8 sessions per condition
MATERNITY COVER
Normal and CS delivery including Newborn Care (within OAL)
OPTOMETRY : OUTPATIENT (Only available in Tanzania at selected providers)
Overall Annual Limit  per member per year
All prescribed lenses excluding contact lenses. Lenses and frame may be replaced in course of membership year to the maximum benefit per member for the year
DENTAL TREATMENT: OUTPATIENT (Only available in Tanzania at selected providers)
Overall Annual Limit per member
Consultation, simple extractions, difficult extractions, fillings (temporary, permanent, amalgam, composite GIC). Scaling and polishing, gum surgery, root canal treatment, pulpotomy & minor oral surgery
RESCUE AND EVACUATION
Emergency Rescue Services (Notification and Authorization required)
Medical Evacuation (Notification and Authorization Required)
Local Emergency road ambulance: Costs of road ambulance transport required due to an emergency or medical necessity to the nearest available and appropriate medical facility. (Notification and Authorization required)
GOLD
 International 
 
OVERALL ANNUAL LIMIT -INPATIENT (OAL) combines the accident and illness limit
Tzs 50,000,000
Tzs 80,000,000
Tzs 105,000,000
Tzs 120,000,000
 Tzs 150,000,000
Tzs 200,000,000
Tzs 500,000 
Tzs 500,000
 
Limits Apply in Network
Private Ward in Network 
Tzs 3,000,000 in Network 
Covered under Rehabilitation sublimit
Limits Apply in Network
Limits Apply in Network
Limits Apply in Network
Limits Apply in Network
Covered upto 14 days after discharge
Limits Apply in Network
Limits Apply in Network
Limits Apply in Network 
Limits Apply in Network
Tzs 20,000,000 in Network
Tzs  9,000,000 in Network
Limits Apply in Network
 Covered  in Network
Upto Tzs 2,250,000 in network 
 
Overall Annual Limit 
Tzs 1000,000
Tzs 1,600,000 
Tzs 2,100,000
Tzs 2,700,000
Tzs 3,000,000 
Tzs 3,600,000
Up to Tzs 500,000 per in per year 
Limits Apply in Network
Limits Apply in Network
Limits Apply in Network
Tzs 3,000,000 in Network
Tzs 350,000
Limits Apply in Network
Tzs 400,000
Limits Apply in Network
Within East Africa
As per accident or illness hospitalisation limit
As per accident or illness hospitalisation limit
Limits Apply in Network
SILVER
International
 
OVERALL ANNUAL LIMIT -INPATIENT (OAL) combines the accident and illness limit
Tzs 30,000,000
Tzs 50,000,000
Tzs75,000,000 
Tzs 100,000,000
Tzs 125,000,000 
Tzs 150,000,000
Tzs 400,000
Tzs 400,000
 
Limits Apply in Network 
Private Ward in Network
Tzs 2,000,000 in Network 
Covered under Rehabilitation sublimit
Limits Apply in Network
Limits Apply in Network
Limits Apply in Network
Limits Apply in Network
Covered upto 14 days after discharge
Limits Apply in Network
Limits Apply in Network
Limits Apply in Network
Limits Apply in Network
Tzs 15,000,000 in Network
Tzs 7,500,000 in Network 
Limits Apply in Network
Covered  in Network
Upto Tzs 2,250,000 in network
 
Overall Annual Limit
Tzs 800,000
Tzs 1,300,000
Tzs 1,800,000 
 Tzs 2,300,000
Tzs 2,500,000
Tzs 3,000,000 
Up to Tzs 300,000 in network per in per year
Limits Apply in Network 
Limits Apply in Network
Limits Apply in Network
Tzs 2,500,000 in Network
Tzs 300,000
Limits Apply in Network
Tzs 300,000
Limits Apply in Network
Within East Africa
As per accident or illness hospitalisation limit
As per accident or illness hospitalisation limit
Limits Apply in Network
BRONZE
East Africa
 
OVERALL ANNUAL LIMIT -INPATIENT (OAL) combines the accident and illness limit
Tzs 8,000,000
Tzs 10,000,000
Tzs 15,000,000 
Tzs 20,000,000 
Tzs 25,000,000 
 Tzs 30,000,000
Tzs 300,000 
Tzs 300,000
 
Limits Apply in Network
Standard Ward in Network 
Tzs 1,500,000 in Network
Covered under Rehabilitation sublimit
Limits Apply in Network
Limits Apply in Network
Limits Apply in Network
Limits Apply in Network
Covered upto 14 days after discharge
Limits Apply in Network
Limits Apply in Network
Limits Apply in Network
Limits Apply in Network
Tzs 10,000,000 in Network
Tzs 5,000,000 in Network
 Limits Apply in Network
Covered  in Network
Upto Tzs 2,250,000 in network
 
Overall Annual Limit
Tzs 600,000
Tzs 1,000,000
Tzs 1,350,000
Tzs 1,900,000 
Tzs 2,300,000
Tzs 2,760,000 
Up to Tzs 200,000 in network per in per year 
Limits Apply in Network
Limits Apply in Network
Limits Apply in Network
Tzs 2,000,000 in Network
Tzs 250,000
Limits Apply in Network
Tzs 250,000
Limits Apply in Network
Within East Africa
As per accident or illness hospitalisation limit
As per accident or illness hospitalisation limit
Limits Apply in Network

 

I am interested let me 



Health Plan 
Geographical Area
BENEFITS
 OVERALL ANNUAL LIMIT -INPATIENT (OAL) 
Accident Hospitalization
Illness Hospitalization
Rehabilitation  (within OAL) per member Per year
Last expense (within OAL)  per member Per year
IN-PATIENT & DAYCARE
TREATMENT
Hospital
Bed limit
Congenital conditions/defects (within OAL)
Wheel chairs, prosthesis and crutches
Overseas referral treatment not available locally
Accidents & Emergency, Intensive Care & Theatre Costs
Nursing Fees, medical expenses & charges
Surgeons, Anaesthetists, Physicians fees
Prescribed medicines and drugs
 Discharge medication
X-rays
MRI and CT scans
Pathology, diagnostic tests & procedures
Radiology, radiotherapy & chemotherapy
ICU AND Critical Care Wards: Admissions to these units with special authorization required from AAR. Within Shared Limit
Dialysis. Within Shared Limit
Physiotherapy
Parent Accommodation, insured parent with an insured child under 8 years of age in hospital
Psychiatric treatment (within OAL). Within shared limit
OUT-PATIENT
TREATMENT 
Covered within AAR Clinics in East Africa and specified accredited providers within Tanzania
Chronic Illness  Per member per year  
 Primary consultations and treatment to include medical practitioners' fees, prescribed medicines, drugs and dressings.
X-rays, pathology, diagnostic tests & procedures
Physiotherapy (Referral by AAR required every 3 sessions up to maximum 8 sessions per condition
MATERNITY COVER
Normal and CS delivery including Newborn Care (within OAL)
OPTOMETRY : OUTPATIENT (Only available in Tanzania at selected providers)
Overall Annual Limit  per member per year
All prescribed lenses excluding contact lenses. Lenses and frame may be replaced in course of membership year to the maximum benefit per member for the year
DENTAL TREATMENT:
OUTPATIENT
(Only available in
Tanzania at selected
providers)
Overall Annual Limit per member
Consultation, simple extractions,
difficult extractions, fillings (temporary,
permanent, amalgam, composite GIC).
Scaling and polishing, gum surgery, root canal treatment, pulpotomy & minor oral surgery
RESCUE AND EVACUATION
Emergency Rescue Services
(Notification and Authorization required)
Medical Evacuation (Notification and
Authorization Required)
Local Emergency road ambulance: Costs of
road ambulance transport required due to an
emergency or medical necessity to the
nearest available and appropriate medical facility. (Notification and Authorization required)
GOLD
International
Individual benefits
Tzs 100,000,000 in Network
Tzs 60,000,000
in OAL
Tzs 50,000,000  in OAL
Tzs 1,500,000
Tzs 1,500,000
Limits Apply in Network
Private Ward in Network
Tzs 3,000,000 in Network
Covered under Rehabilitation sublimit
Covered
Limits Apply in Network
Limits Apply in Network
Limits Apply in Network
Limits Apply in Network
Covered upto 14 days after discharge 
Limits Apply in Network
Limits Apply in Network
Limits Apply in Network
Limits Apply in Network
Tzs 20,000,000 in Network
Tzs  9,000,000 in Network
Limits Apply in Network
Covered  in Network
Upto Tzs 3,000,000 in network
 Overall Annual Limit ( Family)
 Upto Tzs 2,000,000 per year
 Limits Apply in Network
Limits Apply in Network 
Limits Apply in Network
Tzs 3,500,000 in Network
Tzs 500,000
Limits Apply in Network
 
Tzs 500,000
Limits Apply in Network
Within East Africa
As per accident or illness hospitalisation limit
As per accident or illness hospitalisation limit
Limits Apply in Network
SILVER
International
Individual benefits
Tzs 80,000,000 in Network
Tzs 50,000,000 
in OAL
Tzs 40,000,000  in OAL
Tzs 1,500,000
Tzs 1,500,000
Limits Apply in Network
Private Ward in Network
Tzs 2,000,000 in Network
Covered under Rehabilitation sublimit
Covered
Limits Apply in Network
Limits Apply in Network
Limits Apply in Network
Limits Apply in Network
Covered upto 14 days after discharge
Limits Apply in Network
Limits Apply in Network
Limits Apply in Network
Limits Apply in Network
Tzs 15,000,000 in Network
Tzs 7,500,000 in Network
Limits Apply in Network
Covered  in Network
Upto Tzs 2,500,000 in network
Overall Annual Limit ( Family)
 Upto Tzs 1,800,000 per year
Limits Apply in Network
Limits Apply in Network
Limits Apply in Network
Tzs 3,500,000 in Network
Tzs 400,000
Limits Apply in Network
 
Tzs 400,000
Limits Apply in Network
Within East Africa
As per accident or illness hospitalisation limit
As per accident or illness hospitalisation limit
Limits Apply in Network
BRONZE
Premier
EastAfrica
Individual benefits
Tzs 50,000,000 in Network
Tzs 40,000,000 
in OAL
Tzs 30,000,000 in OAL
Tzs 1,500,000
Tzs 1,500,000
Limits Apply in Network
Standard Ward in Network
Tzs 1,500,000 in Network
Covered under Rehabilitation sublimit
Only with East Africa
Limits Apply in Network
Limits Apply in Network
Limits Apply in Network
Limits Apply in Network
Covered upto 14 days after discharge
Limits Apply in Network
Limits Apply in Network
Limits Apply in Network
Limits Apply in Network
Tzs 10,000,000 in Network
Tzs 5,000,000 in Network
Limits Apply in Network
Covered  in Network
Upto Tzs 2,000,000 in network
Overall Annual Limit ( Family) 
 Upto Tzs 1,500,000 per year
Limits Apply in Network
Limits Apply in Network
Limits Apply in Network
Tzs 3,200,000 in Network
Tzs 350,000
Limits Apply in Network
 
Tzs 350,000
Limits Apply in Network
Within East Africa
As per accident or illness hospitalisation limit
As per accident or illness hospitalisation limit
Limits Apply in Network
BRONZE
Prestige
EastAfrica
Individual benefits
Tzs 30,000,000 in Network
 Tzs 30,000,000 in OAL
Tzs 20,000,000 in OAL
Tzs 1,000,000
Tzs 1,000,000
Limits Apply in Network
Standard Ward in Network
Tzs 1,200,000 in Network
Covered under Rehabilitation sublimit
Only with East Africa
Limits Apply in Network
Limits Apply in Network
Limits Apply in Network
Limits Apply in Network
Covered upto 14 days after discharge
Limits Apply in Network
Limits Apply in Network
Limits Apply in Network
Limits Apply in Network
Tzs 5,000,000 in Network
Tzs 5,000,000 in Network
Limits Apply in Network
Covered  in Network
Upto Tzs 1,500,000 in network
Overall Annual Limit ( Family)
Upto Tzs 1,000,000 per year
 Limits Apply in Network
Limits Apply in Network
Limits Apply in Network
Tzs 3,000,000 in Network
Tzs 300,000
Limits Apply in Network
 
Tzs 300,000
Limits Apply in Network
Within East Africa
As per accident or illness hospitalisation limit
As per accident or illness hospitalisation limit
Limits Apply in Network
BRONZE
Elite
Tanzania
Individual benefits
Tzs 20,000,000 in Network
 Tzs 20,000,000  in OAL
Tzs 10,000,000 in OAL
Tzs 1,000,000
Tzs 1,000,000
Limits Apply in Network
Standard Ward in Network
Tzs 1,200,000 in Network
Covered under Rehabilitation sublimit
Only with East Africa
Limits Apply in Network
Limits Apply in Network
Limits Apply in Network
Limits Apply in Network
Covered upto 14 days after discharge
Limits Apply in Network
Limits Apply in Network
Limits Apply in Network
Limits Apply in Network
Tzs 5,000,000 in Network
Tzs 5,000,000 in Network
Limits Apply in Network
Covered  in Network
Upto Tzs 1,000,000 in network
Overall Annual Limit ( Family)
 Upto Tzs 800,000 per year
Limits Apply in Network
Limits Apply in Network
Limits Apply in Network
Tzs 2,800,000 in Network
Tzs 250,000
Limits Apply in Network
 
Tzs 250,000
Limits Apply in Network
Within East Africa
As per accident or illness hospitalisation limit
As per accident or illness hospitalisation limit
Limits Apply in Network
BRONZE
Plus
Tanzania
Individual benefits
Tzs 10,000,000 in Network 
 Tzs 10,000,000  in OAL
Tzs 8,000,000 in OAL
Tzs 500,000
Tzs 500,000
Limits Apply in Network
Standard Ward in Network
Tzs 1,000,000 in Network
Covered under Rehabilitation sublimit
Only with East Africa
Limits Apply in Network
Limits Apply in Network
Limits Apply in Network
Limits Apply in Network
Covered upto 14 days after discharge
Limits Apply in Network
Limits Apply in Network
Limits Apply in Network
Limits Apply in Network
Tzs 5,000,000 in Network
Tzs 5,000,000 in Network
Limits Apply in Network
Covered  in Network
Upto Tzs 1,000,000 in network
Overall Annual Limit ( Family)
 Upto Tzs 200,000 in network per in per year
 Limits Apply in Network
Limits Apply in Network
Limits Apply in Network
Tzs 2,400,000 in Network
Tzs 200,000
Limits Apply in Network
 
Tzs 200,000
Limits Apply in Network
Within East Africa
As per accident or illness hospitalisation limit
As per accident or illness hospitalisation limit
Limits Apply in Network
BRONZE Tanzanite
Tanzania
Individual benefits
Tzs 7,500,000 in Network 
 Tzs 7,500,000  in OAL
Tzs 7,500,000 in OAL
Tzs 500,000
Tzs 500,000
Limits Apply in Network
Standard Ward in Network
Tzs 1,000,000 in Network
Covered under Rehabilitation sublimit
Only with East Africa
Limits Apply in Network
Limits Apply in Network
Limits Apply in Network
Limits Apply in Network
Covered upto 14 days after discharge
Limits Apply in Network
Limits Apply in Network
Limits Apply in Network
Limits Apply in Network
Tzs 5,000,000 in Network
Tzs 5,000,000 in Network
Limits Apply in Network
Covered  in Network
Upto Tzs 1,000,000 in network
Overall Annual Limit ( Family)
Upto Tzs 200,000 in network per in per year 
 Limits Apply in Network
Limits Apply in Network
Limits Apply in Network
Tzs 2,000,000 in Network
Tzs 200,000
Limits Apply in Network
 
Tzs 200,000
Limits Apply in Network
Within East Africa
As per accident or illness hospitalisation limit
As per accident or illness hospitalisation limit
Limits Apply in Network

We understand your employees are your most valuable asset; this is why we offer medical solutions that will keep your staff‘s health in tip-to shape. Our array of corporates products are tailored to keep your staff at peace of mind with the knowledge that their medical health and that of their dependants are in the hands of an East Africa’s  leading health insurance company.

Choose a plan for employees today and enjoy benefits of increased output from a secure team of focused and reliable employees.

Please choose your proposer type below to download the Membership Application Form.

  1. Individual and Family
  2. Personal Accident Cover
  3. Students Medicare Cover (InShule)
  4. Travel Insurance

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