• [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


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
Dental5,000
Optical5,000
Annual Check-up2,500


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.


      Insurenow Insurance Agency
      Compare and Order Online @ InsureKenya.com

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      [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

      • KSh 52,708.00


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