Business Enterprise Medical Plan

Business Enterprise Medical Plan

Business Enterprise Medical Plan

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


  1. All services must be within our contracted provider's panel.
  2. All emergency admissions should be reported to AAR Insurance within 24 hours.
  3. Scheduled Admissions should be reported to AAR Insurance at least 48 hours prior to the admissions
  4. To utilize your outpatient services, present your m-tiba for appointed healthcare providers.
  5. Fill in the prescribed claim form & sign
  6. All pre-existing conditions should be declared.

1 Cover for medical injuries resulting from political violence

2 Local & International rescue & evacuation services

3 Nutritional Advice

4 24 hour call center

5 Health camps and health alerts

6 Personal Accident Cover

We have received your quote request. Our agent will contact you soon
Error occurred while sending email. Please try again later.
Via WhatApp


  1. Maternity services including
    both normal, elective or emergency CS delivery.
  2. Parent/Guardian accommodation when insured child is under age of 12 years ( Lodger fee) for both local and international hospitals.
  3. Organ Transplant
  4. Post hospitalization discharge medication of up-to 14 days.
  5. Re-constructive surgery
  6. Accidental damage to natural teeth
  7. Accidental damage to eyes
  8. Ectopic pregnancy.
  9. Rehabilitation
  10. Overseas treatment - on referral
  11. Emergency Rescue & Evacuation (local &International)
  12. International emergency medical days
  13. Chronic & Pre existing Condition


  1. Pathology
  2. Diagnostic tests and procedures
  3. Radiology
  4. Radiotherapy and Chemotherapy
  5. Access to personal consultant for platinum cover
  6. Cancer tests and consultation
  7. Dental treatment including simple
  8. Gum surgery, Root canal Treatment, Pulpototmy & Minor Oral surgery
  9. Optical services- prescribed lenses, contact lenses, Diopteric power +/- 0.25 D and more, and frames
  10. Pre-natal and Post Natal Care
  11. Physiotherapy by a registered physiotherapist
  12. Child vaccination as per KEPI Guidelines
  13. Nutritional services & Advise



Because we value you, enjoy the

  1. Cover for medical injuries resulting from political violence
  2. Local & International rescue & evacuation services
  3. Nutritional Advice
  4. 24 hour call center
  5. Health camps and health alerts vi. Personal Accident Cover


The following exclusions will apply:

  1. Hearing aids
  2. Vaccinations & immunizations other than KEPI recommended regime
  3. General Health check-ups unless as otherwise provided in the
  4. Venereal diseases
  5. Family planning and fertility treatment i.e. costs of treatment related to infertility and impotence.
  6. Intentional self-injury, suicide or attempted suicide, drug addiction, intoxication, drunkenness.
  7. Cosmetic surgery unless caused by accident.
  8. War, invasion, civil war, riots or act of terrorism
  9. Naval, Military and Air force operations
  10. Contamination by radio activity
  11. Participation in Riot, Strike and Civil commotion
  12. Riding or driving in any kind of race and participation in extreme sports
  13. Stays at sanatoria, old age homes, places of rest etc
  14. Beauty treatment in nature cure clinics or health hydro
  15. Nervous breakdown general debility, psychoneurosis, senility
  16. Chiropractors, acupuncturists herbalists treatment or other forms of alternative treatment
  17. Treatment other than by registered medical practitioner
  18. 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 withheld.
  19. 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.

We care about your Health, Wealth and Wellbeing.


  • Business Enterprise Medical Plan