AAR Insurance is a leading medical insurer in East Africa. Paying a premium from M-PESA keeps a policy active without a branch visit, and it is a single Pay Bill flow. The account field is your membership or policy number.
The verified paybill
AAR Insurance uses paybill 333200 for premium payments. The account is your membership or policy number, printed on your policy document or membership card. It is not your national ID and not your phone number.
Pay your premium step by step
- Open the M-PESA app, or dial *334#.
- Select Lipa na M-PESA, then Pay Bill.
- Business number: 333200.
- Account: your AAR Insurance membership or policy number.
- Enter the premium amount.
- Enter your M-PESA PIN and confirm.
Keep the M-PESA SMS. Premium posting is usually same-day but not always instant.
The reference trap
Insurance paybills change
Premium paid but policy still shows lapsed
If M-PESA confirmed but your policy still reads lapsed or unpaid, the money has usually reached the insurer and is waiting to be reconciled to your policy. Give it a few hours. If it has not posted, contact AAR with your 10-character M-PESA transaction code and your membership or policy number. Keep the SMS until the policy updates.
What it costs
Standard M-PESA paybill fees apply. AAR does not add a fee on top.
| If you pay | M-PESA fee | Total off your wallet |
|---|---|---|
| KES 500 | KES 5 | KES 505 |
| KES 1,000 | KES 10 | KES 1,010 |
| KES 5,000 | KES 34 | KES 5,034 |
| KES 20,000 | KES 62 | KES 20,062 |
Frequently asked questions
What is the AAR Insurance paybill number?
AAR Insurance uses paybill 333200. The account is your membership or policy number. Insurance paybills change occasionally, so confirm with the insurer if a payment does not go through.
What account number do I use for AAR?
Your AAR Insurance membership or policy number, from your policy document or membership card. Not your national ID and not your phone number.
I paid my AAR premium but the policy still shows lapsed. What do I do?
Posting is usually same-day but not instant. Wait a few hours, then contact AAR with your M-PESA transaction code and membership or policy number if it still has not updated.
Is there an M-PESA fee to pay AAR?
Standard M-PESA paybill fees apply and AAR does not add its own fee. What the M-PESA screen shows is what you pay.
Resources
- The verified AAR paybill entry is at paybillke.com/paybill/aar-insurance.
- See the insurance paybill directory and how to pay SHA contributions.