Photo: Schreibkraft, Wikimedia Commons, CC BY-SA 3.0AAR medical cover packages in Kenya
ShwAARi prices, the family plan and seniors cover
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AAR's medical covers for individuals and families
AAR Insurance Kenya is a general insurer licensed by IRA: IRA's Q4 2025 industry release (Appendix 18) lists KES 12,539.0 million of gross medical premium for AAR in 2025. See the AAR profile for its other figures. Below is AAR's own description of its retail covers (seen 28 October 2026):
| Cover | Who can join | Limits | Price published? |
|---|---|---|---|
| ShwAARi | From birth to 100 years | KES 100,000 to KES 2,000,000, one limit for inpatient and outpatient | Yes — brochure table below |
| Individual and Family Medical Plan | Kenyan residents with a KRA PIN, newborn (from discharge) to 64 | Not stated on the page | No — quote |
| Seniors CAARE | 65 to 85 years (age next birthday), renewable for life subject to review | KES 500,000 to KES 10,000,000 | No — quote |
AAR members also manage their cover through M-TIBA on *253# — our M-TIBA article explains how.
ShwAARi premiums: the table AAR publishes
The ShwAARi brochure (file dated February 2025) gives annual premiums for ages 0–64, by family size (M = member, M+1 = member and one dependant, and so on):
| Cover limit | M | M+1 | M+2 | M+3 | M+4 |
|---|---|---|---|---|---|
| KES 100,000 | 14,574 | 21,132 | 28,528 | 34,234 | 40,054 |
| KES 250,000 | 19,824 | 36,720 | 51,499 | 63,111 | 72,577 |
| KES 500,000 | 29,738 | 55,080 | 77,248 | 94,665 | 108,866 |
| KES 750,000 | 41,632 | 77,113 | 108,148 | 132,532 | 152,412 |
| KES 1,000,000 | 60,367 | 111,813 | 156,815 | 192,172 | 220,997 |
| KES 1,500,000 | 94,535 | 175,100 | 245,571 | 300,941 | 346,082 |
| KES 2,000,000 | 129,324 | 239,536 | 335,942 | 411,686 | 473,440 |
For members aged 65 and above, the brochure's table is higher — for one person, from KES 20,377 (KES 100,000 limit) to KES 192,805 (KES 2,000,000), and for a couple (M+1) from KES 37,698 to KES 354,819.
How ShwAARi works: limits, waiting periods, eligibility
- One limit: you may use up to 30% of the annual limit for outpatient care; outpatient bills above KES 6,000 need pre-authorisation.
- Benefits on every plan: inpatient, outpatient, emergency evacuation, ambulance and prescription drugs.
- Waiting periods: one week for illness; 10 months for inpatient treatment of pre-existing or chronic conditions (3 months for outpatient visits linked to them); 10 months for non-accident surgery, pregnancy and childbirth; none for groups of more than 15 people.
- Eligibility: from birth to 100 years; dependants are spouses and children to 18, or to 25 with proof of schooling. A medical examination is required over 55, or if underwriting asks for one.
- Exclusions in the brochure include cosmetic surgery, infertility treatment, hearing aids and experimental treatment.
The Individual and Family Medical Plan
AAR's family plan page lists what the plan covers, without limits or prices:
- Outpatient: diagnostic tests, radiology, radiotherapy and chemotherapy, cancer consultations, dental treatment (extractions, fillings, root canal, minor oral surgery), optical (lenses, frames) and pre- and post-natal care.
- Inpatient: maternity (normal and caesarean delivery), a lodger's fee for parents of insured children under 8, discharge medication for up to 14 days, reconstructive surgery, accidental damage to teeth and eyes.
- Extras: injuries from political violence, local and international evacuation, nutrition advice, a 24-hour call centre and funeral expenses.
- To join: be a Kenyan resident, hold a KRA PIN, and be aged from newborn (on discharge) to 64.
Seniors CAARE: medical cover from 65 to 85
From AAR's Seniors CAARE page:
| Point | What AAR says |
|---|---|
| Age | 65 to 85 to join (age next birthday); renewal for life, subject to AAR's review |
| Dependants | One legal spouse and children aged 17 and below |
| Medical report | Required for every member aged 55 and above, from a provider AAR designates |
| Limits | KES 500,000 to KES 10,000,000; air evacuation from the KES 3 million limit, road ambulance on all limits |
| Waiting periods | 1 year for pre-existing, chronic and congenital conditions and for newly diagnosed cancer; 10 months for psychiatric care and for hearing aids |
| Hearing aids and optical | Hearing aids once every three years up to KES 30,000; frames once every two years up to KES 8,000 |
| Network | Over 1,000 providers across East Africa, overseas referral for treatment not available locally |
How to buy AAR cover and compare it
- Pick the cover by age: ShwAARi (any age), the family plan (to 64) or Seniors CAARE (65–85).
- Get the written quote from AAR's online platform, a branch or an agent, with the premium, levies and the waiting periods.
- Pay only to AAR's own channels — the site lists M-PESA paybill 333200.
- Compare the same limit with other insurers: Jubilee J-Care, CIC Family Medisure, First Assurance First Med, Britam — or request quotes here.
A private cover adds to SHA, which every resident must join; SHA vs private medical insurance explains how they combine.
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Frequently asked questions
How much is AAR medical cover per year?
AAR's ShwAARi brochure lists annual premiums for ages 0–64 from KES 14,574 for one person on a KES 100,000 limit to KES 473,440 for a member and four dependants on KES 2,000,000. The family plan and Seniors CAARE are quoted individually.
What is AAR ShwAARi?
A single-limit medical cover from KES 100,000 to KES 2,000,000 in seven plans, where up to 30% of the limit can be used for outpatient care. It is open from birth to 100 years.
What is the waiting period for AAR ShwAARi?
One week for illness, 10 months for inpatient treatment of pre-existing or chronic conditions and for non-accident surgery, pregnancy and childbirth, and no waiting period for groups of more than 15.
Does AAR cover people over 65?
Yes. Seniors CAARE takes people aged 65 to 85, renewable for life subject to review, with limits from KES 500,000 to KES 10,000,000. ShwAARi also has a 65+ premium table.
What is AAR's paybill number?
AAR's website lists M-PESA paybill 333200 for premium payments.
Sources
- AAR Insurance Kenya — ShwAARi Medical Cover brochure (file dated February 2025): plans, annual premium rates, waiting periods, eligibility (insurer's own document, seen 28 October 2026)
- AAR Insurance Kenya — Individual and Family Medical Plan page (insurer's own page, seen 28 October 2026)
- AAR Insurance Kenya — Seniors CAARE Medical Cover page (insurer's own page, seen 28 October 2026)
- AAR Insurance Kenya — M-TIBA page (how AAR members use *253#; insurer's own page, seen October 2026)
- IRA Kenya — Insurance Industry Release Q4 2025: "Reliance and Limitations" (merger of Sanlam General and Jubilee Allianz General into Sanlam Allianz General) and Appendix 18 (gross premium by insurer and class, Medical column) (Web Archive copy of 18 August 2026)