ARO Assurance Health Essential

by ARO Assurance Madagascar

★★★☆☆3.6(780 reviews)

ARO Assurance is one of Madagascar's established private insurance companies. The Health Essential plan offers basic health coverage at affordable rates for small and medium businesses in Antananarivo.

Monthly Premium

MGA 150,000 - MGA 450,000

Deductible

MGA 30,000 - MGA 100,000

Coverage Type

basic

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Coverage Details

✓Hospitalization

✓Outpatient Care

✗Dental

✗Vision

✗Mental Health

✗Maternity

✓Prescription Drugs

✓Emergency Care

✗International Coverage

✗Telehealth

Pros

✓Very affordable premiums
✓Simple plan structure
✓Good for basic SME employee coverage

Cons

✗Very limited network
✗No specialist coverage in base plan
✗No digital tools

Editorial Review

“ARO Assurance Health Essential is the most accessible private health plan in Madagascar, offering basic protection at the lowest available premiums.”

— Madagascar Financial Sector Survey 2025