AAR Insurance has launched its latest branch, ‘AAR on the Go’, at ABSA Towers in Nairobi’s Central Business District (CBD) to deepen access and digitise insurance delivery.
The tech-forward outlet brings the company’s national presence to 11 branches, serving SMEs and urban dwellers with paperless, real-time insurance services—and reaffirming AAR’s vision for digital inclusivity and customer empowerment.
Smart Branch. Smarter Experience
Built for a mobile-first economy, ‘AAR on the Go’ features QR-code onboarding, real-time feedback, and self-service digital platforms, enabling walk-in customers to access services without paperwork or delays.
“You don’t have to fill forms and come back days later,” said Justine Kosgei, CEO and Principal Officer, AAR Insurance. “Here, clients get answers instantly—and choose between fully digital or supported human interaction. It’s transparent, fast, and built around their convenience.”
The branch represents a hybrid model with all departments represented to ensure seamless service from entry to resolution.
Sustainability Meets Service Design
As a paperless outlet, the branch aligns with AAR’s broader environmental goals by minimising waste and reducing in-branch processing times. But Kosgei emphasised that digitisation doesn’t eliminate the need for human connection.
“We believe in tech, but we also believe in people. That’s why ‘AAR on the Go’ blends digital tools with a support system where customers can speak to someone if they choose. It’s about real-time transparency and trust.”

Shifting Market Leadership from Revenue to Reach
Kosgei says AAR’s vision isn’t just about market share; it’s about reshaping how insurance reaches the underserved.
“Only about a million Kenyans are covered by private health insurance. Yet we have over 55 million citizens. Our goal isn’t just percentages—it’s scale. We want to bring insurance to those who’ve never been insured before. That’s true leadership.”
AAR aims to double its coverage over the next three years, leveraging physical access points, such as the CBD branch, alongside regional expansion in Uganda and beyond.
Addressing Kenya’s Health Realities and Cost Drivers
Kosgei also revealed insights from AAR’s claims data:
- Common illnesses, such as malaria, flu, and general acute conditions, still account for over 50% of claims.
- However, there’s a notable rise in non-communicable diseases like cancer, hypertension, and diabetes—driven by increased awareness and early diagnosis.
- Medical costs—especially for chronic conditions—remain a leading cause of economic strain for families.
“We have seen how growing medical expenses push people back into poverty. That’s why insurance isn’t just a product—it’s protection. Especially for serious conditions where the costs can be overwhelming.”
Kosgei emphasised AAR’s role in improving access to medication:
“Drug costs remain the biggest expense. That’s why we’re working with local manufacturers and partnering with health-tech startups—to make essential drugs accessible and affordable.”
From digital drug delivery to local sourcing strategies, AAR is championing cost-effective treatment pathways for Kenyan households.
Collaborating with Government Initiatives
Kosgei reiterated AAR’s alignment with the Social Health Insurance Fund (SHIF) and broader government-led healthcare reforms.
“SHIF is mandatory and critical. Our role is to complement this system—offering tailored private solutions that integrate seamlessly with national coverage and expand access.”
Award-Winning Performance at 2025 Think Business Insurance Awards
Category | Ranking |
---|---|
General Insurance of the Year | 1st Runners-Up |
Claims Settlement (General) | 1st Runners-Up |
Medical Underwriter – Personal | 2nd Runners-Up |
Group Medical Business | 1st Runners-Up |
Customer-Centric Underwriter | 1st Runners-Up |