Secure Your Future with Uganda’s Premier Health Insurance
Discover innovative, affordable, and sustainable health insurance plans that offer peace of mind and flexibility for individuals, families, and businesses.
Trusted By Over 200,000 People And Leading Organisations
Welcome To AAR Insurance
Since 1984, AAR Insurance has been at the forefront of providing innovative health insurance solutions in Uganda. Our mission is to redefine insurance by offering affordable, innovative, and sustainable plans that safeguard the health and wealth of all.
Our vision demonstrates our dedication to transforming insurance for every individual and business, guaranteeing top-tier service and coverage.
With a proven track record as leaders in medical insurance across East Africa, we are dedicated to empowering our clients and strengthening communities.
Our Insurance Products
Explore our range of well-crafted insurance solutions, designed to cater to different segments including individuals, schools, SMEs, and corporate clients.
Corporate Insurance
Comprehensive health insurance plans designed for businesses, offering extensive coverage that supports the well-being of your employees and their families.
(10 principal members and above)
Individual/Family Insurance
Flexible and robust health insurance options tailored to meet the personal needs of individuals and families, ensuring peace of mind for all life stages.
(Under 4 principal members)
SME Cover
Tailored solutions for small and medium-sized enterprises, designed to offer the essential protection that your growing business needs.
(4 - 9 principal members)
School Insurance
Specialised insurance coverage for educational institutions, providing critical support and services to ensure the health and safety of students and staff.
Ddwaliro Care
Ddwaliro Care provides inpatient insurance coverage tailored for individuals and families, starting as low as UGX 5K per month. Enjoy peace of mind with benefits including a hospitalisaton cover, and additional funeral expense cover. This plan ensures accessibility to over 150 AAR-affiliated hospitals across Uganda, backed by straightforward claims processing and no cash payments at the point of service.
AAR Kitanda Care
AAR Kitanda Care covers medical expenses for members who have been hospitalised due to an illness or accident across multiple tiers, including Bronze, Silver, Gold, Platinum, and Diamond options. Each tier is designed to cater to different needs and budgets, providing benefits like hospital accommodation, nursing care, and essential medical treatments during hospitalization.
AAR Medcare Hospital Cash
Ensure financial peace of mind during hospital stays with AAR Medcare Hospital Cash. This policy provides a fixed daily cash benefit to cover daily expenses like food, bills, and travel when you're hospitalized due to illness or accident. Ideal for anyone seeking extra financial protection, this insurance ensures you can focus on recovery without the stress of incidental costs.
What Our Clients Are Saying
Michael Okello
Switching to AAR Insurance was one of the best decisions I've made for my health. The coverage is comprehensive, and I've been particularly impressed by the responsiveness of their customer service team. They made my hospitalization process smooth and stress-free, which really helped me focus on my recovery.
Henry Tumusiime
We partnered with AAR Insurance to provide corporate health benefits to our employees, and the feedback has been overwhelmingly positive. Their tailored plans have not only improved our employee satisfaction but also enhanced our reputation as a caring employer. AAR's dedicated account manager makes the whole process seamless.
Sarah Nambuya
As a mother of two, finding an insurance plan that covers my entire family affordably was crucial. AAR Insurance gave us a family plan that is not only budget-friendly but also expansive in coverage. The peace of mind knowing my family is protected is invaluable. Their support during our hospital visits was exceptional.
The AAR Advantage
Discover the unique benefits of choosing AAR Insurance. Here's why clients across Uganda trust us
Wide Provider Network
Access a vast network of hospitals and clinics across East Africa. Our extensive partnerships ensure that you receive high-quality care wherever you are, whenever you need it.
24/7 Emergency Phone Support
Day or night, our emergency support team is always ready to assist you. Whether it’s a query or a crisis, we are just a phone call away, ensuring you have the support you need, whenever you need it.
Wellness-focused
We prioritize your health beyond insurance coverage, actively engaging with our clients through health promotions and initiatives to control non-communicable diseases, fostering a healthier lifestyle.
Tailored Solutions
Our policies are crafted to match the unique needs of individuals, families, and businesses, ensuring you get precisely what you need without compromise.
Drug Deliveries
Our drug delivery service combines convenience and care, delivering your prescriptions right to your doorstep to simplify your health management.
Innovative Products
We stay ahead by continually innovating and improving our products to ensure that they provide maximum protection, value and peace of mind to our clients.
Proven Expertise
Leverage our decades of experience and a solid track record of success in the insurance industry. We're recognised leaders in health insurance across East Africa.
Community Commitment
We’re more than just an insurance company. We believe in giving back and are actively involved in community health initiatives that help improve the lives of those we serve.
ESG Compliance
Committed to environmental, social, and governance principles, we operate sustainably and ethically, ensuring that choosing us means partnering with a company that values community well-being
Manage Your Insurance On-the-go With The AAR Mobile App
Locate a Provider
Easily find a provider near you. Our app helps you quickly locate network hospitals and clinics, ensuring you get the care you need, when you need it.
Customer Service
Connect with us instantly through live chat, WhatsApp, or social media. Our customer service team is ready to assist you with any inquiries or support you might need.
Cover Utilisation
Monitor how much of your cover has been utilized. The app provides a clear breakdown of your usage, helping you manage your benefits effectively.
Policy Information
Access all your policy details in one place. View coverage details, benefits, member information, renewal advice, and policy lapse dates, keeping you fully informed on your insurance status.
File & Track Claims
Simplify your claims process. File claims directly through the app and track their progress. Get updates and notifications to stay informed every step of the way.
