AAR Family Cover — limits, benefits and options
AAR Family Cover insulates the household from hospital bills with a shared inpatient limit, optional outpatient, maternity, dental and optical benefits and access to the wider AAR panel.
AAR Family Cover — inpatient limits
| Inpatient limit | Bed entitlement | Plan |
|---|---|---|
| KSh 500,000 | KSh 6,000/day | Family Cover Me |
| KSh 1,000,000 | KSh 10,000/day | Family Bronze |
| KSh 2,000,000 | KSh 15,000/day | Family Silver |
| KSh 4,000,000 | KSh 18,000/day | Family Silver Plus |
| KSh 10,000,000 | KSh 25,000/day | Family Gold |
| KSh 20,000,000 | KSh 40,000/day | Family Platinum |
Premiums depend on the members covered and their ages, so the price for a limit is confirmed in your quotation.
Optional benefits you can add
Depending on the plan you choose, the following can be added to the inpatient cover:
- Outpatient: KSh 50,000, KSh 75,000, KSh 100,000, KSh 150,000, KSh 200,000, KSh 250,000, KSh 300,000
What the cover includes
- Inpatient cover for accident and illness up to the plan limits
- Re-constructive surgery
- Maternity services including normal, elective or emergency CS delivery
- Parent / guardian accommodation for insured child under 8 years
- Organ transplant
- Post-hospitalisation discharge medication up to 14 days
- Accidental damage to natural teeth
- Accidental damage to eyes
- Ectopic pregnancy
- Laboratory services
- Radiotherapy and chemotherapy including X-rays, MRI and CT scans
- Cancer tests and consultation
- Dental treatment within outpatient
- Optical services within outpatient
- Pre-natal and post-natal care
- Political violence medical injuries
- Local & international rescue and evacuation
- Nutritional advice
- 24-hour call centre
- Health camps and health alerts
Benefit sub-limits (pre-existing conditions, chronic conditions, maternity, psychiatric care, last expense and so on) are printed on every quotation we issue and are listed in the insurer's brochure.
Waiting periods
- 14 days outpatient
- 30 days inpatient
- No waiting period for accidents
- 6 months newly diagnosed chronic
- 1 year maternity
Co-payment, where it applies
- KSh 500 at Nairobi Hospital, Aga Khan University Nairobi, Aga Khan Mombasa, Aga Khan Kisumu, Mater Hospital, Gertrude’s Children Hospital, Karen Hospital, M P Shah and Nyali Healthcare (including satellite clinics)
AAR Family Cover — frequently asked questions
What inpatient limits are available on AAR Family Cover?
Can I add outpatient, maternity, dental or optical cover?
Who can be covered?
How is the premium paid?
How long does cover take to start?
Related guides
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