Welcome to insurance company, We re here to help you

Business Enterprise Medical Plan

Giving You Control of Your Business

Key Features

No waiting periods

Flexibility - 3 to 100+ Principals.

Hospital cash (from 5th Day of admission)

Free annual medical checkups Within inpatient

Free riders – travel insurance And personal accident cover.

Experienced round the clock rescue and evacuation services.

No joining medical evaluation.

Enhanced options i.e. maternity, dental & optical.

KEPI and baby friendly vaccines.

Family planning cover

Benefits for you & your family

Inpatient Services

Our tailor made Medical Insurance cover provides unique options
for your business and staff.

  • Maternity services including both normal, elective or
    emergency CS delivery.
  • Parent/guardian accommodation when insured
    child is under age of 12 years.
  • Organ Transplant.
    Post hospitalization discharge medication
    of upto 21 days.
    Re-constructive surgery.
  • Accidental and non accidental damage to natural teeth.
  • Accidental and non accidental damage to eyes.
  • Ectopic pregnancy.
  • Rehabilitation.
  • Overseas treatment – on referral.
  • Emergency Rescue & Evacuation.
  • International emergency medical cover –
    upto the first 45 consecutive days.

Outpatient Services

  • Consultation fees for general practitioners and specialists.
  • Laboratory tests.
  • Diagnostic tests and procedures.
  • Radiology – MRI & CT scans (pre-authorization required).
  • Radiotherapy and chemotherapy.
  • Cancer tests and consultation.
  • Dental treatment including simple extractions, difficult
    extractions, fillings, scaling and polishing.
  • Gum surgery, Root Canal treatment, Pulpotomy & Minor Oral
  • Optical services – prescribed lenses, contact lenses, diopteric
    power +/- 0.25 D and more, and frames.
  • Pre-Natal and Post Natal care.
  • Physiotherapy by a registered physiotherapist.
  • Child vaccination as per KEPI guidelines.
  • Baby friendly vaccines are covered under outpatient services.
  • Nutritional services & advise.
  • Counselling services.

Because we value you, enjoy the additional benefits at no cost

Value Add Services

  • Local rescue & evacuation services.
  • Cover for medical injuries resulting from political
    violence – where a member is not a actively participating.
  • Nutritional advice.
  • 24 hour call center.
  • Health camps and health alerts.
  • Personal Accident Cover for principal members

General Conditions

To ensure that you access quality inpatient and outpatient
services. We have contracted a wide range of healthcare providers
including hospitals, clinics, doctors and specialists.

Important to Note

  • All services must be within our contracted providers panel.
  • All emergency admissions should be reported to
    AAR Insurance within 24 hours.
  • Scheduled Admissions should be reported to AAR Insurance
    at least 48 hours prior to the admissions.
  • To utilize your outpatient services, use the MTIBA
    platform facility.
  • Fill in the prescribed claim form and sign at the point
    of service All pre-existing conditions should be declared

*All benefits payable after NHIF deductions.

Waiting Periods

  • No waiting period for all benefits
  • Newly diagnosed chronic illnesses to be treated under
    the pre-existing sub-limit.

Eligible Dependants Include:

  • Spouse.
  • Children below the age of 18 years.
  • Disabled children above the age of 18 years.
  • Dependents between the age 18 years and 24 years are
    covered if proof of education is provided.

Eligibility criteria

  • Age: Newborn upon discharge to a maximum of 65 years.
  • Kenyan Resident.
  • KRA PIN.
  • Certificate of incorporation


  • Intentional self-injury, suicide or attempted suicide, drug
    addiction, intoxication, drunkenness.
  • Cosmetic surgery unless caused by accident.
  • War, invasion and civil war.
  • Naval, Military and Air force operations.
  • Contamination by radioactivity from nuclear fuel, waste
    or fission.
  • Riding or driving in any kind of race and participation in
    extreme sports.
  • Stays at sanatorium, old age homes, places of rest etc.
  • Beauty treatment in nature cure clinics or health hydro.
  • Chiropractors, acupuncturists, herbalists treatment or
    other forms of alternative treatment.
  • Treatment other than by registered medical practitioner.
  • Any claim by or on behalf of any Member whose
    application for Insurance shall contain any misstatement or
    on whose behalf any material information shall have been
  • Any expenses for which the Member has been or can be
    reimbursed from any other Insurance or source including
    benefits received under any Work Injury Benefits Act or
    Government Schemes (including NHIF) or Compensation
    except in respect of any excess of expenditure beyond the
    amount recovered from such other Insurance or source. (for more details refer to the policy document)

Our Partners