AAR Insurance with M-TIBA

Access your AAR Health Insurance Benefits with M-TIBA

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How M-TIBA Works

Simple Guide: How to Access to your AAR Health Insurance Benefits

To Get Started:

  1. Receive an SMS from M-TIBA that your AAR health cover is ready
  2. Dial *253# on your phone and choose a secure PIN for access
  3. During your first treatment, simply provide your fingerprint for faster identification
  1. Dial *253# on your phone
  2. Input 1 to sign in
  3. Enter your date of birth
  4. Identify yourself with ID or Passport
  5. Enter your ID or Passport number
  6. Enter your AAR membership number
  7. Set a pin
  1. Dial *253# on your phone
  2. Enter your M-TIBA PIN
  3. Select MY M-TIBA
  4. Select your organizations name
  5. Select balance
  6. View your balance per benefits
  1. Dial *253# (Safaricom, Airtel,Telkom on the number registered on MTIBA)
  2. Press 1 – To initiate a treatment
  3. Select Recent Clinic or Enter the Till Number of the facility
  4. Select Patient to be treated
  5. Select payment method
  6. Select your AAR or Corporate scheme and then either Outpatient/ Dental/ Optical as payment method.
  7. Press 1 to authorize

Your dependents will be attended to through any of these steps:

  1. Your dependent can access the AAR benefit by dialing *253# on their registered phone number and following the menu prompts to initiate treatment. Your spouse’s phone number should be set up to access the benefit
  2. You can also authorize their treatment from where you are, as long as they provide the clinic till number which is required to initiate treatment
  3. In case your dependent does not have a phone number; they can go to the facility and provide the primary member’s phone number. The dependent will be verified using their fingerprint. Upon verification, the facility will proceed to initiate treatment on the M-TIBA portal using the primary members’ phone number and offer the required services. The primary member will receive an SMS notification once the transaction is completed

**M-TIBA is not accessible out of the country or on roaming service.

To access a service through M-TIBA: –

    1. Dial *253# (Safaricom, Airtel and Telkom) using the number registered on M-TIBA.
    2. Enter your M-TIBA PIN (Press 1 if you have forgotten your PIN).
    3. Press 1 to initiate a treatment.
    4. Select recent clinic (1, 2, 3) or enter Till Number of the clinic you’re visiting (e.g. 465004).
    5. Select patient to be treated.
    6. Select payment method.
    7. Select benefit i.e. Outpatient/Dental/Optical.
    8. Press 1 to authorize.
    9. You will receive an in-app message and SMS with a transaction number.

To view your balance: 

      1. Dial *253#.
      2. Enter your M-TIBA PIN (or press 1 if you have forgotten your PIN).

Select option 2: “My M-TIBA”

      1. Select “AAR Benefit”.
      2. The balance will be displayed against each category i.e., Outpatient/Dental/Optical.
  1. Dial *253#
  2. Enter M-TIBA PIN
  3. Select Option 9: “Settings”
  4. Select Option 1: “Change PIN”
  5. Enter Current PIN
  6. Enter New PIN
  7. Confirm New PIN
  8. You will receive an SMS notification. confirming PIN change

You can also contact the AAR customer service for PIN reset on 0709 701000 or 0730 655000.

  1. Dial *253#
  2. press 1 if you have forgotten your PIN
  3. Enter date of Birth i.e., DDMMYYYY (01011963)
  4. Enter ID/Passport number
  5. Enter new PIN
  6. Confirm new PIN
  7. You will receive an SMS notification. confirming PIN change

You can also contact the AAR customer service for PIN reset on 0709 701000 or 0730 655000.

  1. At the hospital: Simply inform the receptionist or cashier you have insurance accessed through M-TIBA and share your organisation’s name 
  2. Choose approved healthcare providers: In case of emergencies, go to the nearest care
  3. Check your invoice: Before leaving the hospital, make sure everything is accurate. Only sign if correct
  4. Need help? Call M-TIBA: We’re here 24/7! Dial 0800 721 253

About AAR Insurance Kenya

AAR Insurance Kenya is a leading medical and general insurance company providing innovative underwriting solutions to individuals, families and businesses. 

Together, AAR Insurance Kenya and M-TIBA are making healthcare access easier for you. AAR Health Insurance, your trusted insurer, provides you with world-class healthcare protection. M-TIBA, as AAR Insurance tech partner, simplifies how you access and manage your benefits.

AAR currently serves over 100,000 customers in Kenya. AARs current strategic focus entails growing  through digital innovation while aggressively pursuing emerging opportunities in underserved segments like SME and micro insurance.

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