AAR Insurance has created a Medical Insurance policy that is tailored to your company’s needs and the needs of its employees.

We have partnered with a diverse group of healthcare providers, including hospitals, clinics, doctors, and specialists to ensure that you have access to high-quality inpatient and outpatient care.


  1. All services must be within our contracted provider’s panel.
  2. All emergency admissions should be reported to AAR Insurance within 24 hours.
  3. Scheduled Admissions should be reported to AAR Insurance at least 48 hours prior to the admissions
  4. To utilize your outpatient services, present your m-tiba for appointed healthcare providers.
  5. Fill in the prescribed claim form & sign
  6. All pre-existing conditions should be declared.


  1. Pathology
  2. Diagnostic tests and procedures
  3. Radiology
  4. Radiotherapy and Chemotherapy
  5. Access to personal consultant for platinum cover
  6. Cancer tests and consultation
  7. Dental treatment including simple
  8. Gum surgery, Root canal Treatment, Pulpototmy & Minor Oral surgery
  9. Optical services- prescribed lenses, contact lenses, Diopteric power +/- 0.25 D and more, and frames
  10. Pre-natal and Post Natal Care
  11. Physiotherapy by a registered physiotherapist
  12. Child vaccination as per KEPI Guidelines
  13. Nutritional services & Advise

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Call for enquiries: (+254) 703 300 694