The High Court has ordered AAR Insurance to pay a Sh2.19 million medical bill for a customer's post-delivery complications, ruling that the insurer unlawfully refused coverage.

• AAR Insurance's refusal was deemed "unconscionable, unreasonable and an act of bad faith insurance practice."
• The dispute involved additional hospitalization costs that fell within the petitioner’s total inpatient cover limit.
• The ruling reinforces insurers' obligation to honor valid claims and may impact future medical cover disputes.