Frequently Asked Questions

What is AAR Health Services Uganda Limited?

AAR Health Services Uganda 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.

What products does AAR Health Services offer?

AHSU offers several products, these include Corporate covers, SME covers, School covers, Retail and, Family Covers.

What does the term insurance mean?

The mechanism whereby the risk of financial loss is transferred from an individual, company, organization or other entity to an insurance company.

What does the term premiums mean?

Premiums refer to consideration paid/payable by the insured in return for the insurance cover provided by the insurer.

Why do I need medical insurance?

Medical insurance helps protect you from financial loss in case of unexpected medical expenses.

What is covered under medical insurance?

Typical medical insurance covers doctor visits, admissions, surgeries, prescriptions and diagnostic tests.

What is not covered under medical insurance?

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.

How do I enroll in medical insurance?

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

How much does medical insurance cost?

The cost of medical insurance varies depending on the number of people and age. However, our covers are affordable for everyone.

How do I pay premiums?

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.

How do I file a claim?

Claims can be filed via the AAR Mobile app or sent directly via email to allclaims.ug@aar-insurance.com.

What is a pre-existing condition?

A pre-existing condition is medical condition that existed before enrolling on a medical insurance policy.

Are pre-existing conditions covered?

Yes, but coverage varies depending on the policy undertaken.

What is the process of getting services under any cover?

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.

How do I get more information about ASHU products?

Call 0200301200. Email: info.ug@aar-insurance.com WhatsApp: +256743342859