AAR Insurance Packages and Prices 2026: Real KSh Costs

People ask me about AAR more than almost any other insurer. The first question is nearly always the same: how much is it?

AAR's brochures don't make that easy. So I ran AAR's published rates through the quote engine behind my calculator and put the real numbers in one place.

How to read these prices:

• Every price is an annual premium in KSh, computed from AAR's published rates.
• Each includes the 0.45% training levy and KSh 40 stamp duty.
• Each table says exactly who it's for (age, couple or family).
• Your final price depends on underwriting: your health, your history, and any rate changes. Use these as a solid starting point, not a final quote.

Table of Contents

• AAR Individual Prices (Single, Age 30)
• AAR Family Prices
• ShwAARi: AAR's Budget Plan
• Seniors CAARe (Ages 65 to 85)
• What AAR Covers
• Who AAR Suits
• Compare AAR With Other Insurers
• Next Steps

AAR Individual Prices (Single, Age 30)

AAR Individual covers one person, ages 0 to 64. Each person is priced by their own age.

One thing first. AAR splits every plan into an overall limit and a lower illness limit. The illness limit is what a normal hospital stay for sickness draws on, so that's the number I show.

KSh per year, for one person aged 30.

Outpatient on AAR is fixed to the plan. You can't pick it separately:

• Cover Me: 1M overall, 50K outpatient
• Bronze: 3M overall, 75K outpatient
• Silver: 6M overall, 100K outpatient
• Silver Plus: 12M overall, 150K outpatient
• Gold: 20M overall, 200K outpatient
• Platinum: 40M overall, 250K outpatient

In monthly terms, Bronze hospital-only works out to about KSh 1,523 a month. With outpatient, about KSh 4,923.

Notice the jump. Outpatient roughly triples the price on the lower plans. For a healthy 30-year-old, hospital-only cover plus paying small clinic bills yourself is often the better deal.

AAR Family Prices

For a household, AAR has a separate Family plan. Hospital cover is one shared rate for the whole family, set by the oldest member's age and the family size.

Prices for a couple aged 35 and 33, and the same couple with two kids aged 5 and 8.

Hospital only:

With outpatient (same fixed outpatient limits as above):

KSh per year.

Why Family beats Individual for a household. Put that same family of four on four AAR Individual policies and Bronze hospital-only costs KSh 84,257. On AAR Family it's KSh 57,726. Same plan, about KSh 26,500 less.

Outpatient is still priced per person, so every child adds real cost there.

The Family plan is for families only. A single person buys AAR Individual. For a family bigger than six, ask me for a quote.

ShwAARi: AAR's Budget Plan

ShwAARi is AAR's lower-cost plan, with limits from KSh 100K to 2M. Outpatient comes bundled in: the outpatient limit is 30% of the inpatient limit, at no extra premium. It also carries a small dental and optical bonus (5K to 15K each).

KSh per year. Family of 4 is a couple aged 35 and 33 with kids aged 5 and 8.

ShwAARi makes the most sense at the lower limits, for a household that wants some outpatient cover on a tight budget. Above 1M, the Individual and Family plans give you far bigger limits for less.

Seniors CAARe (Ages 65 to 85)

This is the one I quote most for diaspora clients covering parents back home.

Prices for one parent aged 70, covered alone:

KSh per year.

Seniors CAARe covers ages 65 to 85, for the main member plus up to two dependants. Hospital cover is one shared rate, so adding a spouse costs less than a second policy. It includes last expense cover up to KSh 200K and an annual checkup. Dental and optical can be bought on top.

Tighter budget? ShwAARi also has a rate for people 65 and over. For the same 70-year-old: KSh 20,509 for 100K, KSh 44,571 for 500K, and KSh 90,678 for 1M.

What AAR Covers

From AAR's rate book, the benefits worth knowing on Individual and Family:

• Pre-existing and chronic conditions: KSh 150K to 5M depending on plan, after a one-year wait.
• Newly chronic conditions: KSh 150K to 5M (Individual).
• Funeral benefit: KSh 50K to 200K (Individual).
• Gold and Platinum: free personal accident cover of KSh 1M.

Your policy's schedule of benefits is the final word. Read it before you sign, or ask me to walk you through it.

Who AAR Suits

A good fit if you want:

• Big hospital limits for little money as a young single (Individual, hospital only)
• One shared rate for the whole family (Family)
• Cover for parents aged 65 to 85 (Seniors CAARe)

Look elsewhere if:

• You want a small outpatient limit on a big plan. AAR fixes outpatient to the plan.
• You want cover for a parent over 85.

Compare AAR With Other Insurers

AAR is one option. The right plan depends on your ages and budget.

• Run your exact ages through my health insurance calculator. It shows a price range for free, and a KSh 100 M-Pesa unlock shows every insurer side by side.
• Already paying SHA? Read the best private insurance to top up SHA.
• See the same breakdown for Jubilee, APA, Old Mutual and Heritage.

Next Steps

I'm Keryl, a licensed insurance agent (IRA/05/50004/2026). These numbers come from AAR's own rates, not guesses.

If AAR looks right for you or your parents, run the calculator and I'll go through the options with you before you commit. Underwriting can change the final price, so it pays to get the exact quote first.