TSC Renews Medical Insurance Contract with Minet Kenya: Comprehensive Healthcare for Educators
The Teachers Service Commission (TSC) has officially renewed its contract with Minet Kenya Insurance Brokers Limited, ensuring continued medical insurance coverage for TSC-employed educators and their families.
This two-year extension follows discussions with key stakeholders in the education sector and guarantees that teachers can keep accessing essential healthcare benefits without missing a beat.
Minet has been managing the TSC medical scheme since December 2022, and this extension keeps the same structure in place, covering everything from routine outpatient care to specialized treatments.
Medical Coverage by Job Grades
One of the standout features of the TSC-Minett medical insurance scheme is that it adjusts benefits based on job grades. Teachers in lower job groups, like Primary Teacher II (Grade B5), get Ksh1 million in inpatient coverage and Ksh150,000 for outpatient needs.
Meanwhile, senior educators, such as Chief Principals (Job Group D5), enjoy larger provisions, with Ksh3 million for inpatient care and Ksh450,000 for outpatient services.
Consistent Benefits Across All Job Grades
Some benefits remain consistent across the board, regardless of your job group. For instance, dental cover is set at Ksh45,000, optical cover at Ksh60,000, and last expense cover at Ksh300,000.
Maternity coverage, however, is scaled with job grades, ranging from Ksh120,000 for Grade B5 to Ksh300,000 for Grade D5.
Eligibility for the Cover
If you’re a TSC-employed teacher between 18 and 65 years old, you’re covered under this scheme. It also extends to your loved ones—you can add one registered spouse and up to four dependent children.
These children are eligible for coverage from birth until age 18 (or up to 25 if they’re in school). There’s no age limit for children with certified disabilities.
| Benefit Category | Primary Teacher II (Grade B5) | Chief Principal (Grade D5) |
|---|---|---|
| Core Benefits | ||
| Inpatient Cover | Ksh1 million | Ksh3 million |
| Outpatient Cover | Ksh150,000 | Ksh450,000 |
| Standard Benefits (Same across all grades) | ||
| Dental Cover | Ksh45,000 | |
| Optical Cover | Ksh60,000 | |
| Last Expense Cover | Ksh300,000 | |
| Maternity Benefits | ||
| Maternity Cover | Ksh120,000 | Ksh300,000 |
| Inpatient Coverage Includes | ||
| • Doctor’s fees (surgeons, anesthetists, consultants) • ICU and HDU care • Medications and laboratory tests • Imaging services (X-rays, CT scans, MRIs) • Chemotherapy and radiotherapy • Internal surgical appliances | ||
| Outpatient Coverage Includes | ||
| • Routine doctor visits • Diagnostic tests • Physiotherapy sessions • Chronic illness treatment • HIV/AIDS care and antiretrovirals | ||
| Maternity Coverage Includes | ||
| • Delivery costs • Antenatal and postnatal care • KEPI immunizations • Baby-friendly vaccines • Normal and cesarean deliveries | ||
Detailed Breakdown of Benefits
Inpatient Benefits
You’re covered for almost everything you’d need in a hospital. This includes:
Doctor’s fees (surgeons, anesthetists, consultants)
ICU and HDU care
Medications and laboratory tests
Imaging services like X-rays, CT scans, and MRIs
Specialized treatments, including chemotherapy and radiotherapy
Costs for internal surgical appliances
Essentially, if you’re hospitalized, this plan has you sorted.
Outpatient Benefits
Outpatient care is equally robust and includes:
Routine visits to your general doctor or specialist
Diagnostic tests
Physiotherapy sessions
Treatment for chronic illnesses, such as diabetes or hypertension
HIV/AIDS care, including access to antiretrovirals
This means you don’t have to delay routine checkups or treatment for ongoing conditions.
Maternity Coverage
For teachers planning or expecting children, the maternity benefits are especially generous. They include:
Delivery costs
Routine antenatal check-ups
Postnatal care
Routine immunizations under the KEPI schedule
Baby-friendly vaccines
Emergency cesarean sections
Elective cesarean sections
Normal deliveries
With everything from initial checkups to delivery costs covered, it’s a reassurance every new parent will appreciate.
Dental and Optical Cover
Need a root canal or a new pair of glasses? This plan won’t let you down. Dental benefits include:
Routine dental check-ups
Fillings
Extractions
Root canal treatments
For optical care, the benefits cover:
Eye examinations
Prescription glasses
Contact lenses
These add-ons are crucial for everyday wellness, ensuring your vision and dental health get the attention they deserve.
Additional Features of the Medical Cover
This scheme isn’t just about the basics—it also addresses more complex health needs. You can count on:
Coverage for newly diagnosed chronic conditions
Access to specialized treatments and therapies
Comprehensive care for HIV/AIDS-related conditions
When life throws a curveball, having these extra layers of protection takes a huge weight off your shoulders.
Read Also
: This article discusses the challenges parents face with limited benefits and high costs as their children return to school.
: This article provides key details and future changes regarding the extension of the civil servants’ medical insurance scheme.
: This article reveals the amount SHIF pays per day for ICU patients as announced by the Ministry of Health.
Conclusion
By renewing its partnership with Minet Kenya, TSC ensures that teachers can focus on what really matters—educating the next generation—without constantly worrying about healthcare costs. This continued coverage isn’t just a convenience; it’s a lifeline for thousands of educators and their families.
If you’re looking for comprehensive medical insurance starting from Kshs 12,000 per year, check out the available options .
