Aar Tz Site

Inpatient and Daycare      
US$ 15,000 overall annual limit      
US$ 7,500 accident hospitalisation limit      
US$7,500 illness hospitalisation limit      
Accidents, emergencies, intensive care and theatre costs      
Hospital accommodation in private ward      
Nursing fees, medical expenses and ancillary charges      
Surgeons’, consultants’, anaesthetists’, and medical practitioners’ fees      
Prescribed medicines and drugs      
Reconstructive surgery following an accident or  surgery for an eligible medical condition      
Internal prostheses      
X-rays      
MRI and CT scans       
Admissions to ICU and Critical Care Wards      
Pathology, diagnostic tests and procedures      
Radiology, radiotherapy and chemotherapy      
Oncology tests, drugs and consultation fees      
Accidental damage to eyes      
Accidental damage to natural teeth      
Up to US$ 1,500 psychiatric treatment cover      
Physiotherapy      
Parent hospital accommodation for children under 8 years of age      
Chronic illness      

Maternity                                                
Up to US$1,300 annual maternity cover      
Antenatal visits      
Up to US$ 250 cover for normal deliveries      
Up to US$ 900 cover Caesarean Section delivery      
Up to US$ 200 cover for new borns      


Outpatient      
US$ 500 overall annual limit       
Primary consultations and treatment - including medical practioners' fees, prescribed medicines, drugs and dressings      
X-rays, pathology, diagnostic tests and procedures      
Prescribed medicines, drugs and dressings      
Specialialists' and consultants' fees       
Physiotherapy       
Radiology, radiotherapy and chemotherapy      
Oncology tests, drugs and consultation fees       
MRI and CT scans      
Outpatient surgical operations      
Antenatal treatments and examinations      
Post hospitalisation treatment      

Healthcare provided within AAR health centres
Preauthorisation required  for admissions into ICU and Critical Care Wards
Referral by AAR required for every every 3 sessions of physiotherapy up to a maximum 8 sessions per condition
Chronic illness covered up to a US$1,500 limit
Pre-authrisation required for oncology tests, drugs and consultation fees
Authorisation required for antenatal visits
Outpatient treatment provided within AAR clinics in East Africa and accredited providers within Tanzania
Pre-authorisation required for specialist fees and treatment
Pre-authorisation required for MRI and CT scans
Pre-authorisation required for radiology, radiotherapy and chemotherapy
Pre-authorisation required for specialist fees and treatment
Pre-authorisation required for outpatient surgical operations


Authorisation required for international emergency evacuation
Authorisation required for local emergency evacuation
Pre-authorisation required for emergency international medical cover
Premium is of 0.5% of sum insured charged for Personal Accident  with Permanent Total Disability cover
1 month minimum entry age
55 years maximum entry age
Medical examinations required for new members aged 40 years and above
Medical examinations required for renewing members aged 50 years and above
Medical examination for membership to be borne by applicants
90 days waiting period for illness hospitalisation

12 months waiting period for hysterectomy and myomectomy
12 months waiting period for chemotherapy and dialysis
12 months waiting period for any internal prosthetic (including cataract) unless it is needed as a result of an accident or illness that occurred after becoming a member
24 months waiting period for psychiatric treatment
90 days waiting period for funeral cover

Rescue and evacuation up to US$ 100,000 annual limit
Local Emergency road ambulance
Local emergency evacuation
International emergency rescue and evacuation

Emergency medical cover within East Africa
Funeral expenses up to a limit of US$ 200

Option to buy Personal Accident with Permanent Total Disability Cover
of up to Tsh 7.5 million for adults and Tsh 5 million for children