TSC Extends Minet Kenya’s Contract for Teachers’ Medical Insurance: Coverage Benefits by Job Grades.
The Teachers Service Commission (TSC) has renewed Minet Kenya Insurance Brokers Limited’s contract to provide medical insurance for teachers for another two years.
This decision followed extensive consultations with key stakeholders. Minet Kenya, which leads other service providers, has been administering the medical cover since December 1, 2022, under the same benefits package now extended to teachers and their dependents.
Table of contents
Coverage by Job Grades
The medical cover offers differentiated benefits based on job grades. Primary Teacher II in Job Grade B5, the lowest tier, is entitled to an inpatient cover of Ksh1 million and an outpatient cover of Ksh150,000.
Chief Principals in Job Group D5, the highest rank, receive Ksh3 million inpatient and Ksh450,000 outpatient coverage.
Despite these variations, some benefits remain uniform across all grades. Teachers will continue to access flat-rate dental and optical covers valued at Ksh45,000 and Ksh60,000, respectively.
Maternity benefits range from Ksh120,000 for Job Grade B5 to Ksh300,000 for Job Group D5, with a last expense cover capped at Ksh300,000 for all grades.
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Eligibility for the Cover
All teachers employed by TSC aged 18 to 65 years are eligible for the cover, which also extends to one spouse and up to four dependent children.
Children are covered from birth up to 18 years or 25 years if residing with their parents while enrolled in recognized post-secondary institutions.
There is no age limit for children with certified disabilities.
Detailed Breakdown of Benefits
Inpatient Coverage
The inpatient package includes doctors’ fees (physician, surgeon, and anesthetist), ICU/HDU/critical care, theater charges, medication, internal surgical appliances, laboratory tests, radiology services (X-rays, ultrasound, CT and MRI scans), radiotherapy, chemotherapy, inpatient physiotherapy, and occupational therapy, among others.
Outpatient Coverage
Outpatient benefits encompass routine consultations, diagnostic laboratory and radiology services, prescribed physiotherapy, medication, specialist referrals, and treatment for HIV/AIDS, including ARVs. Newly diagnosed chronic conditions are also covered under this plan.
Maternity, Dental, and Optical Benefits
Maternity Benefits
These benefits apply to principal members and their spouses.
They include delivery costs, antenatal and postnatal care, routine immunizations under the KEPI schedule, baby-friendly vaccines, emergency cesarean sections, elective cesarean sections, and normal deliveries.
Dental Benefits
Dental coverage provides for consultations, X-rays, root canal treatments, tooth extractions, scaling (if prescribed for a medical condition), dentures necessitated by injury, deformation surgery, and dental crowns.
Optical Benefits
Teachers benefit from optical services, including lenses and frames, prescriptions by ophthalmologists, ophthalmic ultrasounds, and surgery when necessary.
Additional Features of the Medical Cover
The comprehensive plan also includes emergency road and air evacuation, international travel and referral allocations, and management of chronic, critical, and terminal illnesses such as cancer, kidney failure, hypertension, arthritis, and diabetes.
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It also covers conditions like liver disease, drug and substance abuse (including rehabilitation), and work-related trauma.
By extending Minet Kenya’s contract, the TSC ensures continued access to these essential health benefits for its teaching workforce and their families.
TSC Extends Minet Kenya’s Contract for Teachers’ Medical Insurance: Coverage Benefits by Job Grades.
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