AAR Insurance
Pay your AAR Insurance and AAR Healthcare premiums.
Pay smarter
Calculate what this transaction will cost
Use the M-Pesa fees calculator to see the exact 2026 cost — in KES or your home currency if you're paying from abroad.
Open calculatorHow to pay AAR
M-Pesa
Pay via M-Pesa 510 010
- Open M-Pesa — dial *334# or open the M-Pesa app.
- Select Lipa na M-Pesa, then Pay Bill.
- Enter Business Number: 510 010
- Enter Account (Reference Number): Your AAR membership / policy number.
- Enter the amount — in KES.
- Enter your M-Pesa PIN and confirm. You'll get an SMS confirmation.
Account format
Reference Number: Your AAR membership / policy number.
Calculator preview
M-Pesa fees for AAR
| Amount | M-Pesa fee | Total cost | % fee |
|---|---|---|---|
| KES 50 | Free | KES 50 | — |
| KES 200 | KES 5 | KES 205 | 2.50% |
| KES 1,000 | KES 10 | KES 1,010 | 1.00% |
| KES 5,000 | KES 34 | KES 5,034 | 0.68% |
| KES 20,000 | KES 62 | KES 20,062 | 0.31% |
About AAR
Pay your AAR Insurance and AAR Healthcare premiums.
- Sector
- Insurance
- Official site
- aar-insurance.ke
Frequently asked about AAR
What is AAR's paybill number?
AAR's M-Pesa paybill is 510010. Pay your AAR Insurance and AAR Healthcare premiums.
How do I pay AAR via M-Pesa?
Open M-Pesa, select Lipa na M-Pesa, then Pay Bill. Enter business number 510010, then your account (Your AAR membership / policy number.), then the amount, then confirm with your M-Pesa PIN.
What account number do I use for AAR?
Your AAR membership / policy number.
Can I pay AAR from abroad?
Yes — diaspora users typically send via remittance services like Wise, Sendwave, Lemfi, or WorldRemit, which deposit directly to AAR's paybill 510 010. Compare fees on our diaspora hub before sending.
What are the M-Pesa fees for paying AAR?
M-Pesa charges a transaction fee based on the amount sent. Use our M-Pesa fees calculator to see the exact 2026 cost for any amount.
What if I pay the wrong amount or use the wrong paybill?
Contact AAR support immediately with your M-Pesa transaction code. If you sent to the wrong paybill entirely, contact Safaricom on 100 (free from a Safaricom line) within 7 days to request a reversal — though success isn't guaranteed.
How do I confirm my payment to AAR went through?
M-Pesa sends a free SMS confirmation with a transaction code (e.g., ABC12DEF345). Save this code — it's your proof of payment. AAR should also confirm receipt via their channels.
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Paybill displayed: 510 010 (mpesa paybill). How we verify.