Medical cover guide
AAR medical insurance in Kenya
Compare every AAR plan we quote — inpatient limits, bed entitlement, optional benefits, waiting periods and co-payments — then get a personalised quotation in minutes.
Cover typesChildren only / Group and SME / Individual and family
Products4
Inpatient limitsKSh 250,000 to KSh 20,000,000
Bed entitlementKSh 6,000/day · KSh 10,000/day · KSh 15,000/day
Medical examinationApplicants aged 56 and above
AAR products we quote
Individual and family
AAR Family Cover
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.
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Children only
AAR Junior Cover
AAR Junior Cover is built for children on their own policy, with inpatient limits from KSh 500,000 and the option to add outpatient, dental and optical benefits.
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Individual and family
AAR Senior Cover
AAR Senior Cover is designed for older members, with higher inpatient limits and the widest AAR bed entitlements.
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Group and SME
AAR SME Cover
AAR SME Cover gives small and medium businesses a staff medical scheme priced per employee, with choice of inpatient limit and optional outpatient cover.
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Plans, limits and bed entitlement
AAR Family Cover
| Inpatient limit | Plan | Bed entitlement |
|---|---|---|
| KSh 500,000 | Family Cover Me | KSh 6,000/day |
| KSh 1,000,000 | Family Bronze | KSh 10,000/day |
| KSh 2,000,000 | Family Silver | KSh 15,000/day |
| KSh 4,000,000 | Family Silver Plus | KSh 18,000/day |
| KSh 10,000,000 | Family Gold | KSh 25,000/day |
| KSh 20,000,000 | Family Platinum | KSh 40,000/day |
AAR Junior Cover
| Inpatient limit | Plan | Bed entitlement |
|---|---|---|
| KSh 500,000 | Junior CAARE · Cover Me | General ward up to KSh 8,000/day |
| KSh 1,000,000 | Junior CAARE · Bronze | General ward up to KSh 10,000/day |
| KSh 2,000,000 | Junior CAARE · Silver | Private room up to KSh 12,500/day |
| KSh 3,000,000 | Junior CAARE · Gold | Private room up to KSh 13,500/day |
| KSh 4,000,000 | Junior CAARE · Gold Plus | Private room up to KSh 14,500/day |
| KSh 5,000,000 | Junior CAARE · Diamond | Private room up to KSh 18,000/day |
| KSh 8,000,000 | Junior CAARE · Diamond Plus | Private room up to KSh 25,000/day |
| KSh 10,000,000 | Junior CAARE · Platinum | Private room up to KSh 35,000/day |
AAR Senior Cover
| Inpatient limit | Plan | Bed entitlement |
|---|---|---|
| KSh 500,000 | Senior Copper | General ward · max KSh 10,000/day |
| KSh 1,000,000 | Senior Bronze | General ward · max KSh 10,000/day |
| KSh 2,000,000 | Senior Silver | Private room · KSh 12,000/day |
| KSh 3,000,000 | Senior Gold | Private room · KSh 16,000/day |
| KSh 5,000,000 | Senior Diamond | Private room · max KSh 20,000/day |
| KSh 10,000,000 | Senior Platinum | Ensuite · max KSh 30,000/day |
AAR SME Cover
| Inpatient limit | Plan | Bed entitlement |
|---|---|---|
| KSh 250,000 | SME Medical · 250,000 | KSh 8,000/day |
| KSh 500,000 | SME Medical · 500,000 | KSh 8,000/day |
| KSh 750,000 | SME Medical · 750,000 | KSh 8,000/day |
| KSh 1,000,000 | SME Medical · 1,000,000 | KSh 10,000/day |
| KSh 1,500,000 | SME Medical · 1,500,000 | KSh 11,000/day |
| KSh 2,000,000 | SME Medical · 2,000,000 | KSh 12,000/day |
| KSh 2,500,000 | SME Medical · 2,500,000 | KSh 13,000/day |
| KSh 3,000,000 | SME Medical · 3,000,000 | KSh 14,000/day |
| KSh 3,500,000 | SME Medical · 3,500,000 | KSh 14,000/day |
| KSh 4,000,000 | SME Medical · 4,000,000 | KSh 15,000/day |
| KSh 4,500,000 | SME Medical · 4,500,000 | KSh 16,000/day |
| KSh 5,000,000 | SME Medical · 5,000,000 | KSh 17,500/day |
| KSh 5,500,000 | SME Medical · 5,500,000 | KSh 18,000/day |
| KSh 6,000,000 | SME Medical · 6,000,000 | KSh 20,000/day |
| KSh 6,500,000 | SME Medical · 6,500,000 | KSh 20,000/day |
| KSh 7,000,000 | SME Medical · 7,000,000 | KSh 20,000/day |
| KSh 7,500,000 | SME Medical · 7,500,000 | KSh 20,000/day |
| KSh 8,000,000 | SME Medical · 8,000,000 | KSh 22,500/day |
| KSh 8,500,000 | SME Medical · 8,500,000 | KSh 22,500/day |
| KSh 9,000,000 | SME Medical · 9,000,000 | KSh 22,500/day |
| KSh 9,500,000 | SME Medical · 9,500,000 | KSh 22,500/day |
| KSh 10,000,000 | SME Medical · 10,000,000 | KSh 25,000/day |
What AAR 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
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)
Pay to Insurers and Share Proof
Cover is arranged through AAR and the premium is paid directly to the insurer — by the payment methods printed on your quotation — never to Now Insurance Agency. We prepare the application, check it against the insurer's requirements and follow it through to activation. Cover is typically confirmed within 1 to 5 working days of payment and complete documents, subject to insurer underwriting and acceptance.
After paying, share your proof of payment with us so we can follow the application up with the insurer. See the payment details for every insurer, or check the provider network before you choose a limit.
AAR medical cover — frequently asked questions
How do I get a AAR medical cover quotation?
Use our online quote form. Choose who is covered, the inpatient limit and any optional benefits, and every suitable AAR plan is priced side by side with a downloadable quotation.
What inpatient limits does AAR offer?
The limits available on our quotation are listed in the plans table above. Each limit is a separate plan with its own benefits schedule, and the premium changes with the limit, the members covered and their ages.
Are outpatient, maternity, dental and optical benefits included?
They are chosen separately on top of the inpatient cover. Where a plan offers them, the selectable amounts are listed above; the premium is shown before you apply.
How is the premium paid?
Premiums are paid directly to AAR using the payment details printed on your quotation. Now Insurance Agency never collects client payments. Once you pay, send us the confirmation and we follow up on cover processing.
Does anyone need a medical examination?
Medical examination requirements for AAR: applicants aged 56 and above. Where a form is needed we send it with your application pack.
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