Health · Seniors

Senior Medical

Dignified health cover for elderly parents and retirees.

Senior Medical

Overview

AAR Senior Medical is designed for elderly parents, retirees and senior citizens in Kenya. A single family policy can cover up to three senior members, giving your family a dignified way to protect your parents against the cost of hospital care.

It combines shared inpatient cover with optional outpatient, dental and optical add-ons, priced around each member. Inpatient cover is shared across the members and priced using the plan you choose, the family size and the oldest member’s age band.

Outpatient is optional and priced per member, and once outpatient is added you can include optional dental and optical benefits. Build a quote online to see the full premium and benefit breakdown for each plan.

What’s covered

Inpatient hospital, surgery & ICU cover
Optional outpatient priced per member
Optional dental & optical add-ons
Chronic & pre-existing conditions (after a waiting period)
Newly diagnosed cancer & psychiatric cover
Emergency evacuation within East Africa

Cover options

Shared inpatient cover

Inpatient cover — hospital admission, surgery, ICU and specialist treatment — is shared across the senior members on the policy. The premium is based on the plan you choose, the family size, and the oldest member’s age band.

Optional outpatient (per member)

Add outpatient cover for GP and specialist visits, diagnostics and prescribed medicines. Outpatient is optional and is priced individually for each member.

Optional dental & optical add-ons

Once outpatient cover is selected, you can add optional dental (consultations, extractions, fillings and scaling) and optical (eye tests and prescription glasses) benefits as separately-priced add-ons.

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  • Regulated by the IRA

Frequently asked questions

It is designed for elderly parents, retirees, and senior citizens in Kenya. A single family policy covers up to three senior members.

A single family policy can cover up to three senior members. Inpatient cover is shared across them, while outpatient and any dental or optical add-ons are priced per member.

The premium is a shared inpatient figure based on the plan, family size, and the oldest member's age band, plus optional outpatient cover priced per member and optional dental and optical add-ons.

Yes. Dental and optical are optional add-ons that are available once an outpatient plan has been selected.

Yes, pre-existing and chronic conditions are covered subject to the applicable waiting period from the start of cover, as set out in the policy documents.

Add your senior members and their ages, choose an inpatient plan and any optional outpatient, dental and optical cover, then generate a quote online to see the premium breakdown.

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