AAR Insurance Kenya: History, Branches, Premiums and Packages Offered

AAR Insurance Kenya offers medical and general insurance solutions to individuals, families, and businesses. Currently, AAR serves more than 200,000 customers in Kenya alone.

With the focus on expanding our market through digital innovation, capitalising on opportunities in underserved segments like SMEs and micro-insurance.

AAR Insurance was established in Nairobi, Kenya, in 1984 under the name Africa Air Rescue (AAR). Initially, the company focused on providing emergency medical services and air evacuation.

In its early years, AAR focused on air ambulance services, offering medical evacuation and emergency care.

The organization established operational partnerships with hospitals and healthcare providers to ensure patients received timely treatment.

As the demand for healthcare services increased, AAR began to diversify its operations.

By the late 1990s, it had transitioned into providing health insurance plans, extending coverage to both individuals and corporate clients. They have reached over 1,000,000 lives in over 40 years through our various insurance schemes.

Individual and Family Medical Plan

The Individual and Family Medical Plan offers a broad and structured health insurance package designed to cover both outpatient and inpatient medical needs for individuals and their families. Here’s a breakdown of what the plan provides:

• Outpatient Services

Includes diagnostics, chemotherapy, dental and optical care, and pre-/post-natal treatment through a network of approved hospitals and clinics.

• Inpatient Coverage

Covers maternity, organ transplants, reconstructive surgery, post-hospital medication, and accidental damage to teeth and eyes. It also includes parent/guardian accommodation for insured children under 8.

Ideal for families and individuals seeking reliable, all-around medical protection.

AAR Personal Accident Cover

The Personal Accident Cover offers financial protection in the event of injury, disability, or death resulting from an accident. It helps ease the burden during recovery and ensures continued support for you or your family.

Key Features:

• Student Personal Accident Cover: Protects school-going children while they are in school.
• Emergency Evacuation: Covers airlifting within East Africa for medical emergencies or safety.
• Hospital Benefits: Includes treatment and therapy during hospital stays.
• Access to Quality Care: Enables treatment at top hospitals locally and in India.
• Flexible Payment Options: Choose between monthly, quarterly, half-yearly, or annual cover.
• Injury Support: Covers treatment for fractures and major injuries such as spinal, head, and chest trauma.
• No Medical Exams: Enrollment is easy and does not require health checks.

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Homeowners Insurance

Home Insurance Cover ensures your house and belongings are protected — whether you own or rent. From electronics and furniture to personal items, this cover shields you against unexpected events like fire, theft, and accidental damage.

Key Benefits:

• Alternative Accommodation if your home becomes uninhabitable due to a covered event.
• Immediate Expense Payout following fire or theft to help you get back on your feet quickly.
• Debris Removal and Fire Brigade Charges are covered after a fire.
• Replacement of Damaged Grills in case of a break-in.
• Cash Compensation of up to Ksh5,000 for stolen personal cash.
• Guest Belongings are also insured.
• Emergency Medical Expenses covered if you’re injured during a burglary.
• No-Claim Bonus: Get 10% cashback on premiums if no claim is made in 3 years.

 AAR Protect

AAR Protect is a personal accident insurance plan designed to cushion individuals and families against the unexpected. Whether it’s an injury, temporary or permanent disability, or even loss of life, AAR Protect ensures you receive timely support and access to quality care.

What It Covers:

• Accidental Death Benefit of 25% of the total cover limit.
• Emergency Evacuation by road or air across East Africa.
• Treatment Access at major hospitals in Kenya and select facilities in India.
• Rehabilitation Support following injury.
• Flexible Terms: choose monthly, quarterly, half-yearly, or annual payment options.

Also Read: Kenya Orient Life Assurance Company: History, Branches, Premiums and Packages Offered

AAR Branches

The following is a list of AAR branches in Kenya.

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