Updated AON Minet Medical-Healthcare Cover For Teachers And Their Dependants And Benefits

Here are the latest updated details for the Teachers Service Commission concerning AON Minet Medical-Healthcare cover for teachers and their dependants, beneficiaries, and the group life insurance (including last expense).

TSC contracted the AON Minet Kenya Insurance Brokers to provide Medical cover for all teachers and their dependants from the 1^stof November, 2019.

Updated AON Minet Membership Eligibility

The following are the conditions necessary for one to be an eligible member under the AON Minet insurance cover:

legible for teachers employed by teacher’s service commission aging from 18 to 65 years old
The AON cover insures the legal spouse of a teacher employed under TSC
A maximum of 4 biological children for the AON registered member are beneficiaries of the AON cover
Children with disabilities who are beneficiaries for AON cover their age is considered.i.e no age limit.

The AON minute insurance cover contains the insured member and five beneficiaries.

AON MINET MEDICAL COVER CHARGES

Charges of Kenyan shillings (50) per person for outpatient, dental and optical doctors consultation services are paid on visit.

AON cover considers maternity and other related conditions that does not require the doctors’ consultation

AON MINET BENEFITS STRUCTURE

The AON minute benefit structure benefits the following grades as indicated below;

Grade	Outpatient	Inpatient	Maternity	Optical	Dental
B5	100,000	750 000	100,000	45,000	35,000
C1	100,000	750,000	100,000	45,000	35,000
C2	100,000	750,000	100,000	45,000	35,000
C3	100,000	850,000	100,000	45,000	35,000
C4	150,000	1,000,000	100,000	45,000	35,000
C5	175,000	1,250,000	100,000	45,000	35,000
D1	225,000	1,500,000	150,000	45,000	35,000
D2	250,000	1, 800,000	150,000	45,000	35,000
D3	275,000	2,000,000	200,000	45,000	35,000
D4	375,000	2,500,000	200,000	45,000	35,000
D5	375,000	2,500,000	200,000	45,000	35,000

Grade	Group Life	Last Expense	Air Evacuation Air fixing and Helicopter At two (2) per family Per annum	Int. Referral	Int. Travel
B5	450,000	200,000		1,000,000	200,000
C1	450,000	200,000		1,000,000	200,000
C2	450,000	200,000		1,000,000	200,000
C3	550,000	200,000		1,000,000	200,000
C4	550,000	200,000		1,000,000	200,000
C5	650,000	200,000		1,000,000	200,000
D1	650,000	300,00		1,000,000	200,000
D2	1,050,000	400,00		1,000,000	200,000
D3	1,050,000	500,000		1,000,000	200,000
D4	1,050,000	600,000		1,000,000	200,000
D5	1,050,000	600,000		1,000,000	200,000

AON MINET COVER RANGE

The patient is covered in the following areas; outpatient, inpatient, dental, optical, maternity conditions, and any medical evacuation.

a) Inpatient Benefits

It deals with admissions and staying in the hospital for persons insured to receive medical services related to the conditions stated above. The impatient benefits as follows;

Hospital accommodation for accompanying parent and [or guardian for hospitalized children below seven (7) years

b) Outpatient

A treatment that does not require one to stay at the hospital. Areas for outpatient treatment:

Regular consultations by outpatients
Prescribed Diagnostic Laboratory and Radiology services (X-ray, ultrasound, MRI, and CT Scans).
Prescribed physiotherapy
Giving a prescription of drugs and mode of dressing.
Directing outpatients to different specialist for proper guidance.
HIV/AIDS related conditions and prescribed ARV’s to the full cover limit per family per annum.
Helping outpatients to understand newly diagnosed with chronic conditions
Existence of chronic diseases e.g. chronic diseases( cancer)
Rehabilitation service as per limits
Ensures that prevention care are well implemented i.e. mobile clinics, camps to address lifestyle issues and wellness of the outpatients
Prescribed preventive and curative drugs/care
Prescribed Diagnostic Laboratory and Radiology services (X-ray, ultrasound, MRI, and CT Scans).
Pap smear for ladies and PSA for men- (for principal members only)
Medical Emergency for Road ambulance evacuation service.
Members are not restricted on where to receive medical services.
Members are free to visit any medical service within the country to receive medical services.

c) Maternity

AON cover insures the following maternal issues:

Delivery/ Doctors Fees
Postnatal care up to six (6) weeks post-delivery
Routine Immunizations (KEPI) and Baby-Friendly Vaccines
Genital conditions
Insures conditions dealing with normal delivery, Emergencies resulting from the caesarian section, and elective CS
Routine Antenatal check-up

The maternity benefit is available to principal members and/or their spouses only.

d) Dental

The cover insures persons with the following dental problems:

Dental Consultation and Anesthetist’s fees
Tooth Extraction accompanied by medical conditions and prescription by a dentist
Dental deformation resulting from accidents or injuries
Surgeries resulting from dental deformation

Dental X-rays and Root canal treatment.

e) Optical

It deals with optical problems such as:

Ophthalmic ultrasound if prescribed by the Ophthalmologist
Deals with the issuance of Lenses and frames are issued once a year unless under a medical condition and either prescribed by an ophthalmologist.
Prescription for eye treatment and eye lenses

f) Insures Medical Emergency Road and Air Evacuation

Insures emergency transportation and easy transfer of sick or injured person or dependents to a facility with appropriate care using road ambulance, fix-wing, and helicopter services within East Africa (Kenya, Uganda, Rwanda, and Tanzania). Air evacuation is limited to two (2) per family within a policy period.

g) AON Minet cover insures International Travel and Referral Allocations

It insures a member referred overseas for quality specialized treatment than it is locally, pays the air ticket and their accommodation. This should be accompanied by a medical report.

Specialized treatment outside the country are approved by the Director of Medical Services in the Ministry of Health

h) AON Counselling Psychiatric and Services

AON minet cover provides psycho-social support programs for employees for conditions such as dependency, stress, -traumatic counseling relationship discomforts, anxiety, and depression, parental guidance financial distress, etc. These services are not limited.

AON minet promotes tele-counseling services through Tele-counseling center.
Online counselling services in many instances
Refers members to face-to-face counselling sessions.

AON MINET MEDICAL COVER EXCLUSIONS

It excludes problems resulting due to active participation in war, riots, and terrorisms
Difficulties resulting from the use of cosmetics
Cases dealing with massage unless were approved as medically correct
Nutritional supplements unless prescribed by a medical doctor as a treatment of a given deficiency
It doesn’t cover dependents with maternity difficulties
Whenever drugs that are not prescribed are used.
Treatment other than by a registered medical practitioner
Payment of sh.50 by outpatients, dental and optical patients.
Reimbursement of costs incurred outside the appointed panel of providers unless for emergency cases, accident cases and
Private vaccines and travel vaccines
Alcohol-related rehabilitation child dependents
Cost of lenses and frames not prescribed by an Ophthalmology
Excludes spectacles replaced in the same year by a cover
Does not issue antiglare and/ Photochromatic lenses unless prescribed by a doctor
It excludes cosmetic dental care unless resulting from accidents like caps, bridges, teeth whitening, and cleaning.
Excludes infertility resulting from family planning methods
Replacement or repair of old dentures bridges and plates unless damage to dentures, bridges, and plates becomes necessary as a result of an accident
Any treatment covered with NHIF

AON MINET COVER BENEFITS ON GROUP LIFE AND LAST EXPENSE (FUNERAL)

a) Funeral Benefits

The cover provides a certain amount set according to grades and is paid only in the event of death of the principal member to support in arising funeral expenses.

b) Group Life Benefit

A certain amount to be paid to the principal member under the AON medical scheme as shown in the table given above.

AON MINET INSURANCE COVER SERVICE PROVIDERS

The AON Minet Service providers either by direct access or by referrals is enclosed.

Members may also view a full list of medical service providers through: –

TSC and MINET Kenya websites
use of Mobile phone USSD code — dial *340#

The AON MINET COVER insures the teachers and dependents who have received services only from appointed panel of service providers .There is no refund of funds incurred outside the appointed panel on service providers except on emergence issues,

How to Upload Membership Documents for AON Minet Insurance Cover for Teachers

Below is the video showing the procedure on how a member can upload the required membership documents through the online AON minet portal.

CONTACTS FOR ENQUIRIES

Members may direct their inquiries to Minet Kenya through:

Tel: 0730 604000
Hotline: 1 528
Email: mmc.customerservice@minet.co.ke
Website: www.minet.com/kenya
Twitter: Minet_Kenya
Facebook: MinetKe
Telegram: Teachers’ Medical Scheme

NB; Teachers are advised not to involve them in fraud activities that may hinder them, from being members of the medical cover

This circular is very important because it analyses the provisions of the AON medical scheme to all teachers.

Useful Educational Links to Download free Materials

Updated AON Minet Medical-Healthcare Cover For Teachers And Their Dependants And Benefits

Updated AON Minet Membership Eligibility

AON MINET MEDICAL COVER CHARGES

AON MINET BENEFITS STRUCTURE

Grade

Outpatient

Inpatient

Maternity

Optical

Dental

C1

D1

Grade

Group Life

Last

Expense

Int.

Referral

Int. Travel

C1

D1