ARO Assurance Madagascar Santé

by ARO Assurance Madagascar

★★★☆☆3.8(1,240 reviews)

ARO Assurance is one of Madagascar's established private insurance companies, operating in Antananarivo with a focus on health, life, and general insurance. The Santé plan provides practical health coverage for Malagasy formal sector employees and SMEs at Antananarivo's accredited private clinics and hospitals, with straightforward plan terms and affordable premiums relative to the local market.

Monthly Premium

MGA 150,000 – MGA 500,000

Deductible

MGA 30,000 – MGA 120,000

Coverage Type

standard

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Coverage Details

✓Hospitalization

✓Outpatient Care

✗Dental

✗Vision

✗Mental Health

✓Maternity

✓Prescription Drugs

✓Emergency Care

✗International Coverage

✗Telehealth

Pros

✓One of Madagascar's most established private insurers — reliable track record
✓Practical plan design suited for SME corporate health benefits
✓Good Antananarivo clinic and hospital network coverage
✓Affordable premiums for the Malagasy market

Cons

✗Network very limited outside Antananarivo
✗No international or evacuation coverage
✗No digital tools or teleconsultation

Editorial Review

“In a market where insurance sophistication is still developing, ARO Assurance's established track record and practical Antananarivo clinic network make it Madagascar's most reliable private health option for formal sector employers.”

— Madagascar Financial Sector Survey 2025

Key Highlights

✓ARO Assurance is one of Madagascar's established private insurance companies with a long operating history
✓Health Santé plan provides practical coverage at Antananarivo's accredited private clinics
✓Simple, transparent plan structure well-suited for Malagasy SME group plans

Quick Summary

ProviderARO Assurance Madagascar

CountryMadagascar

Rating3.8/5

Reviews1,240

Typestandard

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