Overview

Full name: AAR Insurance Kenya Limited

Founded: 1984, originally as an emergency rescue service (air & road ambulance) known as “Africa Air Rescue.” Later expanded into medical and general insurance.

Head Office: Nairobi, Real Towers, Hospital Road, Upper Hill.

Reach / Client base: Serves over 100,000 people in Kenya.

Key Products & Services

AAR Insurance offers both medical (health) and general insurance products:

Category Coverage / Key Features
Medical / Health Insurance Individual & family medical plans; inpatient & outpatient care; maternity; organ transplant; optical & dental; chronic / pre‐existing conditions (depending on plan).
Affordable / Entry-Level Plans “ShwAARi Medical Cover” designed for affordability.
Travel Insurance Covers travel risks, including loss or damage of goods.
Personal Accident Compensation in case of bodily injury from accidents.
Home Insurance Protects homeowners from domestic property risks.
Professional Indemnity Liability cover for professionals.
Marine Insurance Protection of goods transported by sea.
Value-added Services Travel and embassy letters, rescue and evacuation services, and claims support.
Technology and Innovation

M-TIBA Integration: Members can manage health insurance via mobile, track claims, view balances, and initiate treatment directly from their phones.

Digital Access: Mobile app and online portals for quotes, policy purchase, and account management.

Self-service Options: Online tools to generate letters and manage benefits without visiting an office.

Organization & Structure

Branches: Located in Nairobi (Upper Hill, Westlands, City Centre), Mombasa, Kisumu, Eldoret, Kericho, Nyeri, Kisii, Kakamega, and more.

Contact Channels: Phone, email, online platforms, and walk-in branches.

Regulation: Licensed and supervised under the Insurance Regulatory Authority of Kenya.

Strengths & Challenges

Strengths:

Long history and strong brand reputation.

Wide product range across medical and general insurance.

Strong digital innovation and partnerships, making access easier.

Nationwide presence with multiple branches.

Challenges:

Affordability of health insurance for lower-income households.

High claims risk in the health sector.

Strong competition from other insurers in Kenya.

Recent Developments

Publishing audited annual financial statements.

Strategic focus on digital innovation, SME covers, and affordable microinsurance solutions.