BENEFITS: Our enhanced Medical Insurance cover put you and your family members in control of your health.
|
1. INPATIENT COVER ME PLAN: The following benefits are covered per family:
Inpatient Limit Accident Illness | 1,000,000 500,000 500,000 | Inpatient Services - Maternity services including both normal, elective or emergency CS delivery.
- Parent/Guardian accommodation when an insured child is under the age of 8 years ( Lodger fee) for both local and international hospitals.
- Organ Transplant
- Post hospitalization discharge medication of up-to 14 days.
- Reconstructive surgery
- Accidental damage to natural teeth
- Accidental damage to eyes
- Ectopic pregnancy
- Rehabilitation
- Overseas treatment - on referral
- Emergency Rescue & Evacuation (local and International)
- International emergency medical cover up to the first 45 consecutive days
|
| Sub-Benefits within Inpatient Illness Benefit
| Limit
| Pregnancy and related complications (after one year of cover)
| 50,000 | Declared Chronic, Pre-existing and Related conditions (after one year of cover)
| 150,000 | Newly diagnosed chronic conditions (after 6 months of cover up to 1 year)
| 75,000 | Congenital conditions (after one year of cover)
| 50,000 | Psychiatric Benefit
| 50,000 | Funeral Expenses
| 50,000 | Bed Limit per day
| 6,000 |
|
2. PERSONAL ACCIDENT BENEFIT: Optional
|
3. OUTPATIENT 50,000 PLAN: The following benefits are covered per person: Outpatient Limit | 50,000 | Outpatient Services - Pathology
- Diagnostic tests and procedures
- Radiology
- Radiotherapy and Chemotherapy
- Access to a personal consultant for platinum cover
- Cancer tests and consultation
- Dental treatment including simple extractions, difficult extractions, fillings, scaling and polishing,
- Gum surgery, Root canal Treatment, Pulpototmy & Minor Oral Surgery.
- Optical services- prescribed lenses, contact lenses, Diopteric power +/- 0.25 D and more, and frames.
- Pre-natal and Post Natal Care
- Physiotherapy by a registered physiotherapist
- MRI &CT scans (pre-authorization Required)
- Child vaccination as per KEPI Guidelines
- Nutritional services and advice
|
| Sub-Benefits within Outpatient
| Limit | | Dental | 5,000 | | Optical | 5,000 | | Annual Check-up | 2,500 |
|
|
|
| CO-PAYMENT: This is a visit fee of Ksh 500 for the
following Clinics:
- Nairobi Hospital
- Aga Khan University Nairobi
- Aga Khan Mombasa
- Aga Khan Kisumu
- Mater Hospital
- AAR Healthcare Clinics
- Gertrude’s Children Hospital
- Karen Hospital
- MP Shah
- Nyali Healthcare
|
ACCESS TO MEDICAL SERVICES - To ensure that you access quality inpatient
and outpatient services, We have contracted a wide range of healthcare
providers including hospitals, clinics, doctors and specialists
- All services must be within our contracted medical service providers panel
- All emergency admissions should be reported
to AAR Insurance within 24 hours
- Scheduled Admissions should be reported to
AAR Insurance at least 48 hours prior to the admissions
- To utilize your outpatient services, present
your smart card for easy identification at any of our appointed healthcare
providers
- Fill in the prescribed claim form and sign
- All pre-existing conditions must be declared
- All benefits payable after NHIF deductions
Click Here for AAR Medical Service Providers Panel |
WAITING PERIODS The
following waiting periods shall apply: - No
waiting period for accident services and admissions
- 14
days waiting period for outpatient services.
- 2
months waiting period for inpatient illness
- 6
months waiting period for newly diagnosed chronic conditions
- 1
year waiting period for maternity
- 1 year waiting period for declared chronic
& pre-existing illnesses
|
ELIGIBILITY Dependants - Spouse
- Children below 18 years
- Disabled children above 18 years
- Children between the age of 18 and 24 years covered subject to proof of education
Criteria - Newborn upon discharge to a maximum of 64 years
- Kenyan Resident
- KRA PIN
- National ID/Passport
- Medical examination will be required for individuals above 45 years of age
|
PAYMENT MODES Premium is payable to "AAR INSURANCE KENYA LIMITED" by: 1. Cheque Payment
| 2. Mpesa Paybill Number: 333200; Account No: Name, ID or Policy Number
| 3. Premium Financing through our IPF Partners with a maximum of 6 instalments. 20% of the premium to be paid to AAR Insurance directly and balance to be financed. First financing cheque must be current.
| 4. Bank deposit
|
Bank Branch Account Name KES Account No USD Account No Swift Code | CFC Stanbic Bank
Chiromo Road Branch AAR Insurance Kenya Ltd 0100000023056 0100000023048 SBICKENX | Bank
Branch Account Name KES Account No USD Account No Swift Code | Citibank
Citibank House, Nairobi AAR Insurance Kenya Ltd 101388018 101388026 CITIKENA | Bank Branch Account Name KES Account No Swift Code | Absa Bank Kenya Ltd Barclays Plaza AAR Insurance Kenya Ltd 0775000015 BARCKENXNPB
| Bank
Branch Account Name KES Account No Swift Code |
Kenya Commercial Bank Sarit Centre, Nairobi AAR Insurance Kenya Ltd 1106612922
KCBLKENX141 | Bank
Branch Account Name KES Account No Swift Code | Kenya Commercial Bank Eldoret AAR Insurance Kenya Ltd 1103397508
KCBLKENX109 | Bank
Branch Account Name KES Account No Swift Code | Kenya Commercial Bank Kisumu AAR Insurance Kenya Ltd 1103768425 KCBLKENX105 | | |
|
EXCLUSIONS The following exclusions will apply:
- Hearing
aids
- Vaccinations
& immunizations other than KEPI recommended regime
- General
Health check-ups unless as otherwise provided in the benefit schedule
- Venereal
diseases
- Family
planning and fertility treatment i.e. costs of treatment-related to infertility
and impotence
- Intentional
self-injury, suicide or attempted suicide, drug addiction, intoxication, drunkenness
- Cosmetic
surgery unless caused by accident.
- War,
invasion, civil war, riots or act of terrorism
- Naval,
Military and Air force operations
- Contamination
by radioactivity from nuclear fuel, waste or fission
- Participation
in Riot, Strike and Civil commotion
- Riding
or driving in any kind of race and participation in extreme sports
- Member
stays at sanatoria, old age homes, and places of rest etc.
- Beauty
treatment in nature cure clinics or health hydro
- Nervous
breakdown general debility, psychoneurosis, senility
- Chiropractors,
acupuncturists’ herbalists’ treatment or other forms of alternative treatment
- Treatment
other than by registered medical practitioner
- A claim by or on behalf of any Member whose application for Insurance shall
contain any misstatement or on whose behalf any material information shall have
been withheld.
- Any
expenses for which the Member has been or can be reimbursed from any other
Insurance or source including benefits received under any Work Injury Benefits
ACT or Government Schemes (including NHIF) or Compensation except in respect of
any excess of expenditure beyond the amount recovered from such other Insurance
or source.
NOTE - The cover will commence after approval of your application, medical report and upon full payment.
- We shall ensure quick processing and delivery of medical smart cards within 5 days.
- Kindly complete and place your order online. Thank you.
We care about your Health, Wealth and Wellbeing.
|
![[Eldest 18-30 M+0] Medical Inpatient Ksh 1,000,000 Per Family and Outpatient Ksh 50,000 Per Person, AAR Individual Cover Me Plan](https://insurekenya.com/image/cache/catalog/Images%20Categories/Category%20Medical%20Insurance/AAR%20Medical%20Insurance/AAR%20Medical%20Insurance%203-500x500.png "[Eldest 18-30 M+0] Medical Inpatient Ksh 1,000,000 Per Family and Outpatient Ksh 50,000 Per Person, AAR Individual Cover Me Plan")
