Ddwaliro Care

When buying a policy, simply select Buy for family option, select the size of your family and select the package you would like to buy for them.

You can buy for up to 6 people in your family.

You can buy a policy for Other people and their families. When buying a policy select Buy for Others option, select the size of the Other family and select the package you would like to buy for them.

You can buy for up to 6 Other People.

A notification will be sent to your phone once you made the payment of premiums to confirm your membership.

The policy covers hospitalization as well as Funeral expense which is paid in the unfortunate event of death of the covered individual. The benefits are arranged in three categories to allow you to select your preferred option.

The limit of your benefit is as per the package purchased in the table below.

Health Insurance premium is paid annually. We have however, broken the payments into monthly terms for your convenience. You will access the FULL limit as shown above once you pay the annual premium.

If you opt to pay month premiums, you will access partial limits as shown below. Make sure to Renew your payment every month under Renew Policy or My Policy option to remain covered and enjoy the full benefits.

A waiting period refers to a specified period during which you are not eligiblefor coverage of certain benefits or services.

It is important for a member to choose the package of their preference carefully. Once you do, the only time you will be able to change the package you subscribed for is at expiry of that policy cover, after one year.

Yes, you may. Advance payments are very welcome. If you have selected themonthly option, the more the number of months that you have paid, thehigher the limit available to you in case of admission.

AAR-affiliated hospitals Registered by the Ministry of Health. There are over 150 AAR affiliated hospitals across the country

Dial the USSD code *185# Option 7 then 6, Select Ddwaliro Care, and go to View Hospital. Input your preferred hospital to check if it is eligible. If it’s eligible you will receive more information. You can view the full list of hospitals under the same menu, you will receive an SMS with a link containing the list

During the first year of your membership, there will be a thirty (30)-day waiting period on illness hospitalization, and a 6-months waiting period on chronic illness hospitalizations.

For illness hospitalization, cover under this plan will only start after thirty (30) days from the date you purchased your cover. For hospitalization out of accidental causes, there is no waiting period meaning that you can access treatment under the plan at any time for as long as you had already purchased you cover before the accident.

For chronic illnesses, cover will only commence 6 months after purchase ofthe policy.

At renewal of policy, the member can claim immediately they require a hospitalization.

After buying a policy you will receive a policy number on SMS for example UG155983-00. Present this at the Help desk of any eligible hospital for assistance. You can also present the phone number you used to buy the policy.

Call the toll-free line 0800360900.

Email - allcustomercare.ug@aar-insurance.com allclaims.ug@aar-insurance.com

Or Visit an Airtel Service Center