See AAR Insurance’s Contacts, Services, Offices, Branches & Insurance Packages: AAR Insurance is a prominent Kenyan medical and general insurance company that is part of AAR Holdings Limited, which operates across East Africa.

It originated in 1984 as an emergency air and road ambulance service called Africa Air Rescue (AAR) before diversifying into comprehensive medical insurance and eventually becoming a licensed insurance provider.

🏥 Key Services Offered by AAR Insurance Company

AAR Insurance primarily focuses on medical insurance but also offers a range of general insurance products:

• Medical Insurance:

  • Individual and Family Medical Plans (Inpatient and Outpatient benefits).

  • ShwAARi Medical Cover: An affordable, flexible, single-limit cover.

  • AAR Unlimicare: A comprehensive cover with no overall limit restrictions.

  • Seniors CAARE Medical Cover for older individuals.

  • Corporate Medical Solutions (Group medical plans for businesses).

• General Insurance:

  • Personal Accident Insurance

  • Travel Insurance (Includes medical emergencies, lost luggage, and trip cancellations).

  • Work Injury Benefits Act (WIBA) Cover

  • School Insurance (Covering infrastructure and students).

  • Motor Insurance and Homeowner Insurance.

👩‍⚕️ AAR Healthcare Network

AAR Insurance customers benefit from a wide network of healthcare providers, including its affiliates:

• AAR Hospital: A private hospital located in Nairobi.

• AAR Healthcare Clinics: Outpatient centres providing various clinical services across Kenya (e.g., Nairobi, Mombasa, Eldoret, Nakuru).

• Partner Medical Institutions: An extensive network of top-tier hospitals and clinics across the country.

📍 AAR Insurance Company’s Head Office and Branches in Kenya

AAR Insurance’s Head Office is located in Nairobi. They also have a number of branches across Kenya, including:

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

• Branches in major towns: Eldoret, Nyeri, Mombasa, Malindi, Kakamega, Thika, Naivasha, Kisumu, and Nakuru.

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🌟 AAR Insurance Overview & History

AAR Insurance is a licensed financial services provider and insurance company with a significant presence across East Africa, particularly known for its health insurance solutions.

• Founding: AAR started in 1984 in Kenya, initially focusing on medical evacuations (both road and air) for accident casualties.

• Evolution: The mission evolved from emergency response to providing comprehensive, community-centered healthcare and later expanding into a full-fledged insurance company offering a wide range of products.

• Structure: AAR Insurance Kenya Limited is a member of the Association of Kenyan Insurers and operates as a standalone insurance entity.

• Vision/Mission: Their mission is to reinvent insurance through innovative, affordable, and sustainable solutions, with the vision of “Safeguarding the Health and Wealth of All.”

🏥 AAR Insurance Packages & Services

AAR Insurance offers a diverse portfolio of insurance products for individuals, families, and businesses. Their primary focus remains on medical insurance, but they also provide various general insurance covers.

Category	Key Services/Products	Details & Features
Medical Insurance	Individual and Family Plans: (e.g., ShwAARi Medical Cover, AAR Unlimicare)	Comprehensive inpatient and outpatient benefits, maternity cover, dental and optical options, cover for chronic and pre-existing conditions (subject to waiting periods/limits). They also offer SENIORS CAARE MEDICAL COVER for older individuals.
	Business/Group Plans: (e.g., Business Enterprise Medical Plan)	Health plans tailored for company employees.
General Insurance	Motor Insurance Cover	Comprehensive and third-party motor vehicle insurance.
	Travel Insurance	Covers emergency medical expenses, compensation for lost personal property/luggage/documents, trip cancellations, and personal liability.
	Personal Accident (e.g., AAR Insurance Protect)	Monetary compensation in case of bodily injuries, disability, or death resulting from an accident. Student Personal Accident cover is also available.
	Property Insurance	Homeowner, Landlord Insurance.
	Commercial/Business	Professional Indemnity Cover, WIBA Cover (Work Injury Benefits Act), Marine Insurance (for cargo).

Self-Service Tools: AAR Insurance provides digital tools like the AAR Insurance App, M-TIBA integration, and online portals for generating/validating travel and embassy letters.

📞 AAR Insurance Contacts (Kenya)

Contact Type	Details
General/Customer Service	Mobile (Safaricom): +254 703 063 000
	Mobile (Airtel): +254 730 633 000
	Landline (Nairobi): +254 202 895 000
Emergency Services	+254 725 225 225 or +254 734 225 225 (AAR Rescue Services)
Email	General Inquiries: info@aar.co.ke
	Branch Support/Complaints: complaintsupportbranches@aar.co.ke
Head Office	Location: Real Towers, Ground Floor, Hospital Road, Upperhill, Nairobi
	P.O. Box: 41766 – 00100, Nairobi
Working Hours	Monday to Friday, 9:00 am to 5:00 pm

📍 AAR Insurance Offices & Branches

AAR Insurance maintains a network of offices and branches across key towns in Kenya.

Location	Address / Nearest Landmark
Nairobi (Head Office)	Real Towers, Ground Floor, Hospital Road, Upperhill
Mombasa Branch	Dedan Kimathi Avenue / Harbour House
Kisumu Branch	Al Imran Plaza, 2nd Floor, Oginga Odinga Street
Eldoret Branch	Zion Mall, 2nd Floor, Wing D
Nakuru Branch	Giddo Plaza, Ground Floor, George Morara Rd.
Nyeri Branch	2nd Floor Rupshi Chambers, Kimathi Way
Thika Branch	Maisha Height 1st Floor, Kenyatta Rd
Naivasha Branch	Eagle Centre, 1st Floor, Mbaria Kanio

AAR also has a widespread network of clinics/outpatient centres under AAR Healthcare in many locations across the country, which are the primary service points for their medical insurance clients.

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AAR Insurance Company’s Product List

1. You & Your Family

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AAR Medical Insurance Service Providers