Frequently Asked Questions
AAR General Insurance Uganda Limited Limited is a Health Maintenance Organisation that provides the insured with financial protection from medical expenses in case of illnesses and accidents through a list of carefully selected service providers.
AHSU offers several products, these include Corporate covers, SME covers, School covers, Retail and, Family Covers.
The mechanism whereby the risk of financial loss is transferred from an individual, company, organization or other entity to an insurance company.
Premiums refer to consideration paid/payable by the insured in return for the insurance cover provided by the insurer.
Medical insurance helps protect you from financial loss in case of unexpected medical expenses.
Typical medical insurance covers doctor visits, admissions, surgeries, prescriptions and diagnostic tests.
Cosmetic procedures.
Fertility treatments.
Abortions.
Self-inflicted injuries caused by own actions such as attempted suicide or intentional self-harm.
War or terrorism related injuries sustained during war, terrorism or other forms of violence.
Sports -related injuries.
Alternative therapies such as acupuncture, health medicine or homeopathy.
Enrollment varies depending on the cover purchased.
Family and individual covers. An individual can request a quotation via the AAR mobile app, reach an agent directly or visit the ASHU offices
Retail Covers. The individual can use the access USSD code for such covers as Ddwaliro care and Munno Mukabi Platinum
Corporate covers. The administrator can request a quotation through an agent via the website or call customer service on 0200300201
The cost of medical insurance varies depending on the number of people and age. However, our covers are affordable for everyone.
Paying premiums depends on the cover purchased, however one can pay premiums directly to our bank details or via online using the MTN MOMO or Airtel Money code.
Claims can be filed via the AAR Mobile app or sent directly via email to allclaims.ug@aar-insurance.com.
A pre-existing condition is medical condition that existed before enrolling on a medical insurance policy.
Yes, but coverage varies depending on the policy undertaken.
Visit any of the hospitals or clinics on the network, Show card number at the front desk for direction and assistance. After you will be advised to proceed to the Doctor.
Call 0200301200. Email: info.ug@aar-insurance.com WhatsApp: +256743342859
FAQs to Guide You on Your Journey with AAR General
Yes. AAR Health Services has now changed to AAR General Insurance, reflecting our expanded mandate as a fully-fledged general insurance provider.
This change reflects our growth alongside our customers’ evolving needs. It allows us to clearly position ourselves as a comprehensive general insurer, aligned with our growth strategy, and strengthens our ability to offer a wider range of insurance solutions beyond health while continuing to deliver trusted service.
It means AAR General has evolved from being primarily known for offering only medical insurance to offering both medical and non-medical insurance products under one strong brand. We now provide protection ,covering not only your health ,but also your car, home , business and other valuable assets.
Your existing policies, contracts, and agreements remain fully valid and unchanged. The transition simply gives you access to a broader range of insurance solutions. You may notice updates in our branding, communication materials, and service experience as we enhance how we serve you.
Yes. All existing policies and contracts remain valid and enforceable, with no changes to terms or benefits.
Our commitment to service excellence remains the same. In addition, AAR General now offers an expanded range of solutions, including motor, property, SME, and corporate insurance alongside continued digital and service improvements.
No. Our location and primary contact channels remain the same. However, you will notice refreshed branding across our offices, signage, and customer communication materials.
As a customer , you will benefit from:
- A broader range of general insurance solutions.
- Integrated insurance expertise under one brand.
- Enhanced digital and customer service experiences.
- A trusted brand with a strong track record across East Africa.
- Convenience – One insurer ,one point of contact for all your insurance needs.
- Consistency –The same customer care experience you trust.
- Confidence – A regulated ,licensed and experienced insurer
Businesses and corporate clients can do the following:
- Bundle medical and non-medical insurance covers
- Enjoy simplified administration
- Receive tailored risk management solutions
- Partner with an insurer that understands both employee health and business assets
