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Inpatient benefits

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Daniel Murano

This document summarizes the benefits provided by the Gold Cover Inpatient health insurance plan. Key benefits include: - Unlimited coverage for hospital admissions due to accidents or illness at network hospitals. - Comprehensive coverage for diagnostic procedures, surgeries, nursing fees and prescriptions. - Benefits like physiotherapy, parent accommodation with child patients, chronic condition management and maternity coverage. - Additional benefits like emergency evacuation, hospital cash, overseas treatment referral and dental/eye damage from accidents.

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Gold Cover Inpatient Benefits Limit: 10 Million For accident admissions 10 Million For illness admissions Rehabilitation after an accident provided up to 150,000 meaning you can comfortably afford walking crutches and a customized Wheelchair that will make your movement efficient. You have UNLIMITED access to all the hospitals in AAR network guaranteeing convenience accessing healthcare wherever you are in the country and outside our borders. A bed limit of 20,000 per day entitles you to a standard ensuite Room that guarantees you privacy when receiving treatment, recuperating, undivided attention from specialists; Undefined visits hours by your loved ones at any time of the day as well as choice of meals and entertainment that suits your needs. Overseas Referral Treatment benefit for enhanced treatment to compliment treatment you have received locally puts you at a better position to get timely and appropriate medical attention.
100% cover on accidents, Emergency services, ICU services, HDU services and Theatre costs protects you from the extremely high Costs charged for such services. You get all life support services without putting you into unnecessary stress thinking of how you will pay for these costs. Nursing fees, Medical expenses and charges, surgeons’ fees, Anesthetists’ fees, Physician fees are all covered fully 100% cover for all prescriptions you receive in our network of pharmacies giving you timely access to safe and effective Original as well as generic versions of medicines and drugs. Discharge medication provided for up to 14 DAYS guarantees you are taken care of when released from hospital putting you at a better position to recover fully as well as save you from extra expenses. Highly efficient diagnostic procedures (CT scan, MRI, X-rays, Pathology, Laboratory procedures) ensures specific and accurate detection of pre-existing medical conditions as well as provide information on arresting any developing Cancers and abnormalities before they get out of control. Physiotherapy services provided by professionals to recuperating accident victims guarantees you regain your mobility to resume to your work or school within the shortest time possible.
Ectopic pregnancy covered fully in our network of hospitals will save the mother’s life as well as prevent future pregnancy complications. This will give you control of your pregnancy as well as your life. Parent or guardian accommodation provided for parents accompanying a child below 8 yrs to hospital provides the right conditions for quick recovery of the child due to undivided attention and presence of a loved one and a stress free experience for the parent Pre existing/ chronic conditions (e.g. Diabetes, HIV/AIDS, Cancer and organ transplant are covered up to a limit of 750,000 per year guarantees you comprehensive clinical care and management of such conditions without putting a strain on your finances. You receive 100% cover to take care of damages to eyes as a result of accidents You receive 100% cover for damages to your natural teeth as a result of accidents meaning you will not incur extra dental costs, saves you money and time. A maternity cover of 100,000 is adequate to take care of Normal and Caesarean Section (CS) delivery which guarantees safety for the mother and the newborn
Newborn babies born with complications and deformities are taken care of up to a limit of 250,000 24 HR Emergency Rescue and Evacuation Cover to take care of your Emergency needs locally and internationally guarantees timely, efficient and convenient rescue and evacuation to the nearest Health facility to stabilize Accident and severe illness complications such as Stroke and Heart attacks. A hospital Cash benefit of 2,500from day 3 of admission to day 180 ensures that you meet your daily petty expenses comfortably at no extra charge. Travel cover to take care of your International Medical Emergencies for 45 consecutive days you are away for business, school, vacation etc gives you peace of mind and ensures you do not spend more during such visits on your medical needs.
Our joining age is one day upon discharge from medical facility after birth meaning a newborn baby can enjoy under their parent/guardian already on cover .A birth certificate, additional Insurance premium and passport photo for the baby is all you need. Our Maximum joining age is 59yrs to encourage as many as possible to take medical insurance earlier in life and will receive cover for life if they renew every year. Members above 45yrs are required to undergo Medical Examination (MedEx) prior to joining at a fee of Ksh5,700 Members above 65yrs are entitled to a free MedEx prior to renewal at AAR Health Centers.

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Inpatient benefits

  • 1. Gold Cover Inpatient Benefits Limit: 10 Million For accident admissions 10 Million For illness admissions Rehabilitation after an accident provided up to 150,000 meaning you can comfortably afford walking crutches and a customized Wheelchair that will make your movement efficient. You have UNLIMITED access to all the hospitals in AAR network guaranteeing convenience accessing healthcare wherever you are in the country and outside our borders. A bed limit of 20,000 per day entitles you to a standard ensuite Room that guarantees you privacy when receiving treatment, recuperating, undivided attention from specialists; Undefined visits hours by your loved ones at any time of the day as well as choice of meals and entertainment that suits your needs. Overseas Referral Treatment benefit for enhanced treatment to compliment treatment you have received locally puts you at a better position to get timely and appropriate medical attention.
  • 2. 100% cover on accidents, Emergency services, ICU services, HDU services and Theatre costs protects you from the extremely high Costs charged for such services. You get all life support services without putting you into unnecessary stress thinking of how you will pay for these costs. Nursing fees, Medical expenses and charges, surgeons’ fees, Anesthetists’ fees, Physician fees are all covered fully 100% cover for all prescriptions you receive in our network of pharmacies giving you timely access to safe and effective Original as well as generic versions of medicines and drugs. Discharge medication provided for up to 14 DAYS guarantees you are taken care of when released from hospital putting you at a better position to recover fully as well as save you from extra expenses. Highly efficient diagnostic procedures (CT scan, MRI, X-rays, Pathology, Laboratory procedures) ensures specific and accurate detection of pre-existing medical conditions as well as provide information on arresting any developing Cancers and abnormalities before they get out of control. Physiotherapy services provided by professionals to recuperating accident victims guarantees you regain your mobility to resume to your work or school within the shortest time possible.
  • 3. Ectopic pregnancy covered fully in our network of hospitals will save the mother’s life as well as prevent future pregnancy complications. This will give you control of your pregnancy as well as your life. Parent or guardian accommodation provided for parents accompanying a child below 8 yrs to hospital provides the right conditions for quick recovery of the child due to undivided attention and presence of a loved one and a stress free experience for the parent Pre existing/ chronic conditions (e.g. Diabetes, HIV/AIDS, Cancer and organ transplant are covered up to a limit of 750,000 per year guarantees you comprehensive clinical care and management of such conditions without putting a strain on your finances. You receive 100% cover to take care of damages to eyes as a result of accidents You receive 100% cover for damages to your natural teeth as a result of accidents meaning you will not incur extra dental costs, saves you money and time. A maternity cover of 100,000 is adequate to take care of Normal and Caesarean Section (CS) delivery which guarantees safety for the mother and the newborn
  • 4. Newborn babies born with complications and deformities are taken care of up to a limit of 250,000 24 HR Emergency Rescue and Evacuation Cover to take care of your Emergency needs locally and internationally guarantees timely, efficient and convenient rescue and evacuation to the nearest Health facility to stabilize Accident and severe illness complications such as Stroke and Heart attacks. A hospital Cash benefit of 2,500from day 3 of admission to day 180 ensures that you meet your daily petty expenses comfortably at no extra charge. Travel cover to take care of your International Medical Emergencies for 45 consecutive days you are away for business, school, vacation etc gives you peace of mind and ensures you do not spend more during such visits on your medical needs.
  • 5. Our joining age is one day upon discharge from medical facility after birth meaning a newborn baby can enjoy under their parent/guardian already on cover .A birth certificate, additional Insurance premium and passport photo for the baby is all you need. Our Maximum joining age is 59yrs to encourage as many as possible to take medical insurance earlier in life and will receive cover for life if they renew every year. Members above 45yrs are required to undergo Medical Examination (MedEx) prior to joining at a fee of Ksh5,700 Members above 65yrs are entitled to a free MedEx prior to renewal at AAR Health Centers.