Hospitals covered
AAR Insurance – Coverage Details
1. Insurance Overview
AAR Insurance is a well-known Kenyan insurer offering flexible medical plans for individuals, families, and corporate groups. Their health coverage combines inpatient and outpatient care, and includes value-added services such as evacuation, nutritional advice, and 24/7 support.
2. What AAR Covers at This Hospital
| Service Type | Coverage Status |
|---|---|
| Outpatient (GP, Specialist) | ✔️ Covered – pathology, radiology, diagnostic tests, dental & optical. |
| Inpatient (Hospitalisation) | ✔️ Covered – maternity, reconstructive surgery, organ transplant, post-hospital meds. |
| Maternity & Newborn | ✔️ Covered – includes elective or emergency C-section, prenatal/postnatal. |
| Emergency / Urgent Care | ✔️ Covered – includes rescue, air or ground evacuation. |
| Diagnostic Imaging | ✔️ Covered – radiology and diagnostic procedures are included. |
| Laboratory / Pathology | ✔️ Covered – pathology, tests, cancer diagnostics. |
| Chronic / Pre-existing Conditions | ✔️ Covered – especially under certain plans; for example, “Unlimicare” has no sub-limits. |
| Dental & Optical | ✔️ Covered – within both inpatient and outpatient for many plans. |
| Value-Added / Wellness | ✔️ Covered – nutritional advice, health camps, 24-hour call centre. |
| Parent/Guardian Support | ✔️ Covered – accommodation for parent of a child under a certain age when admitted. |
3. Coverage Limits
AAR offers different plan tiers (e.g., Platinum, Gold, Silver, Bronze) with varying coverage limits.
Their ShwAARi product is a single-limit plan where both inpatient and outpatient services draw from the same annual limit.
In some plans, inpatient cover can go very high, depending on the policy.
4. Pre-Authorization Requirements
Pre-authorization is often needed for hospital admissions and surgeries. (As is common with most medical policies.)
High-cost diagnostics or advanced procedures may require approval in advance when using AAR cover.
5. Co-Pay / Co-Insurance
The details of co-pay or co-insurance depend on the specific AAR plan and limit selected.
For example, in some plans, you pay only when you exceed defined benefit limits or use non-panel providers (check your policy document).
6. Waiting Periods
Maternity benefits typically come with a 12-month waiting period.
Some chronic or pre-existing conditions may also have waiting periods, depending on the policy.
For ShwAARi, reported waiting periods: 1 week for general illness, ~3 months for chronic conditions, and 10 months for maternity in some versions.
7. How to Use AAR Cover at This Hospital
Present your AAR insurance card / policy number at the hospital reception.
Provide identification (ID, passport, etc.).
For planned admissions or surgery, contact AAR to request pre-authorization.
After treatment, the hospital will submit bills to AAR (if in-network), or you may claim reimbursement (depending on your plan).
8. Required Documents
AAR Insurance card or policy number
Valid government-issued ID
For in-patient: possibly a pre-authorization request or letter
For maternity: prenatal forms or notifications, if required
9. Exclusions
Some services may not be covered or may have extra conditions, depending on the plan:
Cosmetic / elective surgery
Non-medically necessary treatments
Some experimental therapies or unapproved procedures
Services not in AAR’s panel or network (if your plan restricts to network)
10. Value-Added / Unique Features
AAR Unlimicare: A plan with no sub-limits; covers chronic, maternity, pre-existing without sub-limit restrictions.
AAR Proactiv: A cash-back style plan — part of unused premiums are returned to you, and your limit grows annually when you stay healthy.
24/7 Support & Rescue: Includes local and international medical evacuation and 24-hour call center.
11. Hospital & Insurer Contact Details
AAR Customer Care / Claims: +254 703 063000 or 0730 633000; email: info@aar.co.ke AAR Insurance
Pre-authorization / Medical Services Requests
M-TIBA Access: You can view and use your AAR benefits through M-TIBA.
12. Disclaimer
This information is based on publicly available details for AAR Insurance’s medical plans. Actual benefits, limits, and coverage depend on the specific policy you have. Always verify your benefits, waiting periods, and pre-authorization requirements directly with AAR or via your policy document before seeking care.