Medical Insurance
Our enhanced, flexible and competitive medical insurance solutions includes a wide range of inpatient and outpatient

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.

  • 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)

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

Personal Accident benefits (Optional)

  • Payable in the event if Death as a result of accident 
  • Payable in the event of Permanent Total Disability (PTD)

Critical Illness Cover (Optional )
In the Event of a first time occurrence of a critical illness e.g Heart attack, coronary artery disease, stroke etc. There is a lump sum payment to the member.