AAR ShwAARi Medical Cover: Simple, Affordable Health Insurance for Kenyan Families
When it comes to protecting your family’s health, you shouldn’t have to choose between affordability and quality. That’s exactly why AAR ShwAARi exists—a smart, simple, and affordable medical insurance solution built for individuals and families in Kenya. Whether you’re looking for inpatient care, outpatient visits, dental checkups, or emergency services, ShwAARi brings it all together under one flexible limit. If you’ve been searching for an easy-to-understand health cover that actually works, you’ll want to keep reading.
Key Takeaways
- All-in-one coverage: Combines inpatient, outpatient, dental, optical, and emergency services
- No sub-limits: Use your entire annual limit for any medical need
- Affordable premiums: Starting from just KES 18,356 annually for adults
- No medical exam: Easy enrollment process with no health checks
- Wide accessibility: Available from birth to 100 years old
Table of Contents
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Join WhatsApp GroupWhat is AAR ShwAARi?
AAR ShwAARi is a family-oriented medical insurance product offered by AAR Insurance Kenya, one of the country’s most recognized and trusted health insurers. Unlike traditional plans with complex sub-limits, ShwAARi offers a single annual limit that you can use however you need—inpatient, outpatient, optical, dental, emergency services, and more.
💡 Designed for affordability, ShwAARi is available from birth up to 100 years, making it one of the most inclusive covers in Kenya.
✅ Top Benefits of AAR ShwAARi Medical Cover
1. Single Annual Limit (No Sub-limits)
Say goodbye to confusion. With ShwAARi, you get one total limit for the year. Whether you need inpatient surgery, a dental check-up, or outpatient care—it all comes from the same pool.
2. Covers Both Inpatient and Outpatient
Unlike many budget health plans that only cover hospital admissions, ShwAARi includes:
- Inpatient hospitalization (ICU, general ward, specialists)
- Outpatient visits (consultations, tests, drugs)
- Dental and optical (check-ups, glasses, minor procedures)
- Emergency evacuation (road and air)
- Chronic and pre-existing conditions (after a short waiting period)
3. No Medical Examination Required
You don’t need to undergo a medical exam to enroll. This makes it easier and faster to get covered.
4. Minimal Waiting Periods
- 1 week: General illness/admission
- 3 months: Outpatient pre-existing/chronic conditions
- 10 months: Inpatient chronic care, maternity, surgeries
🛡️ No waiting period if you’re enrolling a group of 15+ people.
📊 AAR ShwAARi Plan Options & Coverage Limits
| Plan Name | Annual Coverage Limit |
|---|---|
| ShwAARi 250K | KES 250,000 |
| ShwAARi 500K | KES 500,000 |
| ShwAARi 750K | KES 750,000 |
| ShwAARi 1M | KES 1,000,000 |
💰 Premium Rates: What You’ll Pay Annually
🔹 For Ages 0–64 Years
| Plan Limit | Annual Premium (Main Member) |
|---|---|
| 250K | KES 18,356 |
| 500K | KES 29,492 |
| 750K | KES 42,694 |
| 1M | KES 55,895 |
🔹 For Ages 65+
| Plan Limit | Annual Premium (Main Member) |
|---|---|
| 250K | KES 28,199 |
| 500K | KES 45,296 |
| 750K | KES 64,422 |
| 1M | KES 83,548 |
💡 You can also add dependents (spouse and children) at discounted rates.
👓 Dental and Optical Benefits
| Plan Limit | Dental/Optical Bonus Limit |
|---|---|
| 250K, 500K | Up to KES 5,000 each |
| 750K | Up to KES 7,500 each |
| 1M | Up to KES 10,000 each |
These limits can be used for routine checkups, minor procedures, and optical frames.
🏥 Eligibility Criteria
- Main member: Birth to 100 years
- Children: Covered up to age 18 (or up to 25 if in school)
- No medical tests needed
- Must use AAR’s extensive provider panel (over 300 hospitals and clinics across Kenya)
⚠️ What’s Not Covered
Like any insurance plan, ShwAARi excludes some treatments:
- Cosmetic/plastic surgery (unless medically required)
- Infertility treatments
- Hearing aids and experimental therapies
- Unlicensed or alternative medicine
- Non-emergency treatment outside Kenya
📍 How to Apply for AAR ShwAARi Cover
Getting started is easy, especially when you partner with Step by Step Insurance. You’ll need:
- A copy of your ID and KRA PIN
- List of family members to be included
- Payment for the selected plan
Application Methods:
- Use an authorized agent like Step by Step Insurance for guidance
- Visit any AAR office countrywide
🛒 Why Choose AAR ShwAARi?
| Feature | Benefit |
|---|---|
| One annual limit | Simpler budgeting and planning |
| No sub-limits for inpatient | Use your cover how you want |
| Dental & Optical included | Bonus value often missed in other plans |
| No medical exam | Fast and inclusive onboarding |
| Large provider network | Access over 300 clinics and hospitals |
| Monthly payment option | Premium financing available |
🤝 Why Buy AAR ShwAARi Through Step by Step Insurance?
Choosing the right health cover can be overwhelming—but it doesn’t have to be. At Step by Step Insurance, we help you:
- Compare all ShwAARi plans side by side
- Choose the best value option for your family size and needs
- Get answers to every question—without insurance jargon
- Enroll quickly and manage your cover with ease
- Enjoy after-sales support including claims assistance
🗣️ “We help you understand your cover before you need to use it—so you’re never caught off guard.”
🧾 Final Thoughts: Is AAR ShwAARi Worth It?
If you’re tired of complicated health insurance with hidden limits, AAR ShwAARi is a breath of fresh air. Its transparent pricing, all-in-one limit, and comprehensive benefits make it one of the most user-friendly health insurance options in Kenya.
Whether you’re a solo professional, a couple, or a growing family, this cover adapts to your needs—without overwhelming your budget.
✅ Want a plan that’s simple, flexible, and easy to use? Then ShwAARi is the cover for you.
🔗 Let’s Get You Covered Today
Ready to secure AAR ShwAARi for yourself or your family? 📞 Call us now or visit stepbystepinsurance.co.ke to speak to an advisor. We’ll help you find the right plan—step by step.
