SN	Feature	Description
1	Insurance Product	Medical Insurance
2	Insurance Cover/Benefits	Depending on the option chosen, AAR pays the member a specific daily cash payout for admission nights spent in hospital. A waiting period of 10 days applies.
3	Policy Duration	12 months (non life)
4	Member Information Disclosure	All prospective members are required to furnish such information as requested by AAR, including detailed medical history reports
5	Premium Per Life P.A	As shown on the premium figure per product on the package purchase page here
6	Premium Payment	Payments made in advance. Cover only commences upon payment of full premium
7	Exclusions	Among others as stipulated in the policy documents, AAR will not cover expenses incurred in connection to selective and/or planned surgery; self inflicted injury, attempted suicide or suicide; Treatment of obesity and slimming preparations; domestic and biochemical remedies; Cosmetic treatment and plastic surgery; Treatment for injuries arising out of voluntary participation in riots, demonstrations, unrest and civil war or war. etc.
8	Membership Cancellation	The Agreement may be terminated by either party by giving the other party ninety (90) days written notice to address indicated above and the agreement shall be deemed terminated at the end of such notice period.
9	Claims Procedure	Upon member admission in a hospital registered with the Ministry of Health, AAR must be notified within 24 hours. A completely filled and signed AAR hospital cash claim form accompanied by medical and investigation reports should be submitted to AAR within 15 days from date of discharge.
10	Complaint Procedure	Any dispute / complaint may first be resolved amicably between the parties without the intervention of a third party and / or the dispute / complaint may be escalated to the Insurance Regulatory Authority of Uganda or Ombudsman in accordance with the Insurance Act and Regulations before resorting to other Mediation, arbitration, litigation or any other form of dispute resolution.