AAR Insurance

Family and Individual Medical Plan

Health cover

It pays for doctor visits, hospital stays, and medicine when you or your family fall sick.

Hear when this changes

Covers outpatient and inpatient medical care across partner hospitals and clinics.
Includes maternity care, organ transplants, and post-hospitalization medicine.
Requires applicants to be Kenyan residents up to 64 years of age with a KRA PIN.

Age eligibility: Newborn on discharge up to 64 years
Residency requirement: Kenyan residents with KRA PIN
Special inclusions: Political violence injuries, local/international airlifts, child parent accommodation under 8

You pay yearly. If you stop paying, your cover ends.

You cannot cash it out. This is medical cover, not savings.

It could work for you if

You live in Kenya. You want hospital and clinic cover for you and your family.

Think twice if

You are 65 or older. It does not cover conditions not accepted at sign up.

There are 20 other plans of this kind on the board. See all 21 side by side — what each one leaves you with, and which of them will not say.

Every figure above was read out of a document. These are the sentences, word for word, so you can check them rather than take our word for it.

“To benefit from AAR Insurance individual and family medical cover, you need to meet simple eligibility criteria, including being a Kenyan resident, having a KRA PIN, and falling within the age range of a newborn upon discharge to a maximum of 64 years.”
AAR Family and Individual Plan Overviewthe company itselfread 2026-08-27