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ShwAARi Medical Cover

Health is wealth, and medical insurance is the key to safeguarding both. AAR Insurance offers a range of medical insurance options to help Kenyans from all lifestyles access quality healthcare services and maintain financial stability.

The ShwAARi Medical Cover is a one limit annual medical cover with a variety of plans, each designed to meet the unique needs for you and your family. Whether you are looking for comprehensive coverage or affordable option, the ShwAARi Medical Cover has you covered.

Ksh 18,479 per annum

Includes comprehensive in and outpatient cover of Ksh 250,000.

With the ShwAARi Medical Cover, enjoy the following benefits:

Inpatient Services including; Accidents, Illness, Maternity, newborn care, surgery among others.

Outpatient Services including; Doctor Consultation, Routine check-ups, preventive care, X-rays, MRI, CT scans, pre-natal and post-natal services.

Dental and Optical Services.

Emergency evacuation and ambulance services.

Prescription drug coverage.

Minimal waiting periods

Covers preexisting chronic conditions,

PlanPlan TypeOverall Annual Limit (Ksh)
Value CAAReV-CAARe+ 500,000
Standard CAAReS-CAARe+1,250,000
Essential CAAReE-CAARe+3,000,000
E-CAARe Extra5,000,000

Key Product Features

The product comes with the benefit of having one limit that can be used for either Inpatient, Outpatient or Maternity.

Affordable premiums

No sublimit on the inpatient benefits.

Minimal exclusions

Minimal waiting periods.

No waiting periods for groups with members above 15.

No MEDEX (Medical Examination) required.

Option for flexible payments.

No underwriting required.

For members taking monthly covers, they will be required to initially pay at least 40% of the premiums and they will have access to outpatient services only. In case of an admission, members will be required to clear the remaining balance.

Waiting Periods


The following exclusions will apply:

  • Treatment that is not medically indicated;
  • Treatment that is considered experimental/investigative according to accepted professional medical standards.
  • Consequences of a voluntary or intentional act committed by the
    Insured person.
  • Consequences of participation in any sport as a professional or under
    contract providing remuneration, as well as any preparatory training.
  • Expenses resulting from any kind of competition with motor vehicles.
  • Costs for treatment that has not yet taken place, even if advanced
    authorisation has been given or a guarantee of payment has been put
    in place.

What Sets Us Apart

Affordability: We understand that the cost of medical care can be a concern for many individuals and families. AAR Insurance is committed to making medical insurance accessible and affordable, with plans that meets all your needs. We also offer easy payment and payment plan through IPF with our trusted Partners.

We are customer obsessed : Our 24- hour customer service team are ready to help with any questions and concerns you may have about your cover. Whether you need help selecting the right plan for your needs or navigating the claims process, our team is here to support you.

Our Partners