Aar Tz Site

Inpatient and Daycare
US$ 200,000 overall annual limit
US$ 100,000 accident hospitalisation limit
US$100,000 illness hospitalisation limit
Accidents, emergencies, intensive care and theatre costs
Hospital accommodation in private ward
Nursing fees, medical expenses and ancillary charges
Surgeons’, consultants’, anaesthetists’, and medical practitioners’ fees
Prescribed medicines and drugs
Reconstructive surgery following an accident or  surgery for an eligible medical condition
Internal prostheses
X-rays
MRI and CT scans
Admissions to ICU and Critical Care Wards
Pathology, diagnostic tests and procedures
Radiology, radiotherapy and chemotherapy
Oncology tests, drugs and consultation fees
Accidental damage to eyes
Accidental damage to natural teeth
Up to US$ 1,500 psychiatric treatment cover
Physiotherapy
Parent hospital accommodation for children under 8 years of age
Chronic illness

Maternity                                         
Up to US$1,700 annual maternity cover
Antenatal visits
Up to US$ 350 cover for normal deliveries
Up to US$ 1,100 cover Caesarean Section delivery
Up to US$250 cover for new borns


Outpatient
US$ 1,200 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

Optometry
Up to US$ 300 Overall annual cover
All prescribed lenses excluding contact lenses

Dental treatment
Up to US$ 300 annual cover
Consultation, simple extractions, difficult extractions, fillings (temporary, permanent, amalgam, composite GIC - WHAT DOES GIC MEAN?),  &
Scaling and polishing
Gum surgery
Root canal treatment
Pulpotomy
Minor oral surgery

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 East Africa
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
Optometry cover provided on outpatient basis in Tanzania
Dental treatment cover provided on outpatient basis in Tanzania
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
9 months waiting period for maternity cover
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
US$330 annual premium for maternity cover

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

Worldwide international emergency medical cover
Funeral expenses up to a limit of US$ 500

Option to buy Personal Accident with Permanent Total Disability Cover
of up to Tsh 15 million for adults and Tsh 10 million for children