AAR Medical Insurance is a private health insurance plan that gives you and your family access to quality healthcare across Kenya and the wider East Africa region. Comprehensive inpatient hospital cover is the core of every plan — and includes a maternity benefit as standard — while an optional outpatient plan adds day-to-day care, including dental and optical benefits.
Treatment is accessed through AAR’s extensive panel of hospitals, clinics and pharmacies, giving you a wide choice of trusted providers close to home. Whichever plan you choose, you are protected against the high cost of admission, surgery and specialist care — the expenses that most often push families into financial strain.
Cover can be taken on a per-person basis, where each member has their own annual limit, or on a family-shared basis, where a single limit covers the whole family. There are six inpatient plan levels — from the entry-level Cover Me plan up to Platinum — so there is an option to match most budgets.
The whole process is online: calculate your premium and compare plans with no obligation, then complete a short medical form and pay securely by M-Pesa or card to take up cover — no paperwork or branch visit needed.
Inpatient cover is the core of the policy and pays for hospital admission, surgery, ICU and specialist care. AAR offers six inpatient levels — Platinum, Gold, Silver Plus, Silver, Bronze and Cover Me — where the annual inpatient limit and range of benefits step up with each level. The exact limits and premium for every plan are shown instantly when you build your quote.
On per-person cover each member has their own annual limit, which suits families that want full cover for every individual. On family-shared cover a single annual limit is shared across the whole family, which is often more affordable. You can compare both side by side in the quote.
Outpatient is the one optional add-on on retail medical, selected on top of your inpatient plan. It covers day-to-day care such as GP and specialist consultations, laboratory tests, imaging and prescribed medicines — and dental and optical benefits are included within it.
On retail medical these come built into your cover rather than being separately-priced extras. A maternity benefit is included as standard on every inpatient plan, with a higher limit on the higher plans, while dental and optical benefits are included once you add outpatient cover.
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