ShwAARi ,the Most Affordable Medical Insurance Cover in Kenya

An insurance cover is an essential tool to take up to protect oneself from financial loss on the occurrence of a risk. For medical cover, the insurance cushions one from unexpected illnesses and sickness bills. Conventional medical insurance is relatively expensive based on factors such as age, number of lives to be covered and the insurance cover limits. However , with ShwAARi an affordable Medical Health Insurance one can enjoy the peace of mind knowing they have an option of an affordable medical insurance.

Table of Contents

1. About ShwAARi Medical Insurance
2. What is Covered
3. Premium Payable
4. ShwAARi Panel of Hospitals
5. Installment payment via IPF
6. Requirements to be onboarded

About ShwAARi

The ShwAARi Medical Cover is a one-limit annual medical cover with a variety of plans, each designed to meet the unique needs for you and your family. Whether you are looking for comprehensive coverage or affordable option, the ShwAARi Medical Cover has you covered. As a one-limit cover, it means the inpatient and outpatient benefits share a one common limit. e.g A 1M Limit Option, has both inpatient and outpatient maximum to use as Ksh 1Million.

AAR Insurance provides the ShwAARi medical cover as the underwriter, our Agency is an authorized Agency by AAR to sell AAR insurance products.

What ShwAARi Covers

The medical insurance covers the following;

1. Inpatient services
2. Outpatient services
3. Dental coverage – sub-limit from 5-10K Limit
4. Optical coverage- sub-limit from 5k-10K limit.
5. Maternity
6. Emergency evacuation
7. Ambulance services
8. Prescription drug coverage

ShwAARi Medical Cover Premium Rates

Based on the limit, age, and number of lives to be covered by the insurance, the premiums are as follows.

Unique Features of the ShwAARi Insurance Cover

1. No sublimit on inpatient benefits
2. Minimal exclusions
3. Affordable premiums
4. Minimal waiting periods
5. No medical examination required
6. No approval needed
7. Flexible payment options accepted
8. No waiting periods for groups with members up to 15

Panel of Hospitals you can Access Medical Services with ShwAARi Medical Insurance

Since the medical cover is tailored to meet the unique needs of the middle income and low income carder, the panel of hospitals is limited to a number of hospitals with the tier 1 hospitals not included in the panel. To get an unlimited panel of hospitals you can get in touch with our team to get the AAR Bronze , Silver or Cover Me conventional Cover that has the Tier one hospitals on their panel.

Who can buy the Cover

The ShwAARi medical cover can be purchased by an individual or a group to cover members from birth to 100 years. This makes it unique in the market by taking up senior citizens without requiring a medical examination to be conducted before they can be onboarded to the cover.

The cover can also be purchased by groups and institutions such as companies to cover employees.

1. An individual Person
2. A family
3. Registered Organization for their members
4. Companies for Employees’ Medical Cover

ShwAARi Insurance Premium Payment Plan

Medical insurance is a cash and carry arrangements, meaning for one to access the benefits of the cover they have to have paid the premium in full.

However, as an agency, we have tailored modalities to ensure our clients enjoy the cover by installments payment option through insurance premium financing modalities.

Once can pay the premiums in 4 equal instalments with the following IPF Interest rates:

1. I&M Bank – You must have an Account with I&M Bank or a personal cheque book for non-I&M Bank Account holders to issue post-dated cheques. The interest is charged at a flat rate of 2.10% on the premium payable.
2. Faulu Microfinance Bank– An IPF account is created where you will repay the amount over four months with an option of depositing via Mpesa. The interest is charged at a flat rate of 3.42%

IPF Options Calculator

Onboarding Requirements

To be onboarded on to the ShwAARi affordable Medical health insurance cover the following are the requirements:

1. Copy of National ID Card for Adults
2. Copy of Birth Certificates for Children
3. Proof of Schooling (Admission letter or School ID) for any dependant child over 18 years to 25 years.
4. Principal Member KRA PIN Certificate
5. ShwAARi Medical Application form
6. IPF Application form if paying in instalments. I&M IPF Form | Faulu IPF Form
7. Group Application Form and KYC Documents for Group and Corporate Applications. I.e Certificate of Registration, CR 12, KRA PIN

Its time to apply for ShwAARi Affordable Medical Insurance

As highlighted ShwAARi is an affordable medical health insurance cover that you can take up as an individual for your family or for a group. With the option of paying through IPF in instalment , the offer we are proposing as Anziano Insurance Agency is a good choice with flexibility. Get in touch with our team to get onboarded today.

You can fill the form below or click on that whats app icon to initiate a chat. Or you can email or call our offices.