AAR Health Insurance Comprehensive

by AAR Insurance Kenya

★★★★☆4.3(7,840 reviews)

AAR Insurance Kenya, operating since 1984, is one of the country's most trusted private health insurers. The Comprehensive plan provides inpatient and outpatient coverage through AAR's own clinics and a wide panel of partner hospitals, with medical evacuation from upcountry Kenya to Nairobi for emergencies. The integrated clinic model is particularly valued for its speed and consistency of outpatient care.

Monthly Premium

KES 4,500 – KES 14,000

Deductible

KES 1,000 – KES 5,000

Coverage Type

premium

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Coverage Details

✓Hospitalization

✓Outpatient Care

✗Dental

✗Vision

✗Mental Health

✓Maternity

✓Prescription Drugs

✓Emergency Care

✗International Coverage

✓Telehealth

Pros

✓Integrated clinic network reduces outpatient waiting times
✓24/7 medical emergency helpline
✓Strong maternity and newborn coverage
✓Teleconsultation option available

Cons

✗Dental and optical sold separately
✗International coverage limited to medical emergency evacuation
✗Provider network thinner outside Nairobi and Mombasa

Editorial Review

“AAR's four-decade track record and owned clinic network give it a distinctive edge in outpatient delivery — a key factor for Kenyan families who value fast, consistent access over premium plan features.”

— Kenya Health Insurance Market Report 2025

Key Highlights

✓One of Kenya's oldest health insurers operating since 1984 with a trusted brand
✓Own AAR clinic network for fast, integrated outpatient access
✓Medical evacuation from upcountry Kenya to Nairobi included