Minet Teachers Medical scheme: Why your dependants are in good hands

Diane Wandati sat pensively in the room with neatly arranged chairs facing the two tables with some chairs. The room would serve as the venue for the fundraising function towards her daughter’s medical condition that had all but drained the family’s finances. It had been a long, gruelling journey that had seen them knock on all kinds of doors seeking financial help to treat a chronic renal condition that had started three years ago.

The journey started in 2015 when her daughter had been treated for simple ailments that would turn out to be symptoms of a very serious condition. Her father, who is a businessman, had not been so serious about getting a medical cover and they just treated her with cash in hand. However, as days went by, they soon realized that cash in hand services could only go so far and that would begin a series of fundraisers to see their beloved daughter, Annette back on her feet and in school.

Tick, tock, tick tock and there was just one relative and a friend who had shown up. It soon dawned on the four members gathered there that no one else was coming and since they had not sent their contributions or apologies over the phone, they had no intention to come. The Wandatis were officially on their own, and ‘donor fatigue’ were not just words in a dictionary. Who could blame them? Times are hard for everybody People were tired of their begging bowl and there was definitely need for a plan C and Diane’s tears that run in torrents down her face were definitely not it.

Grace Awinja, the only friend who was also a colleague assessed the whole situation and asked, “But Diana you are a teacher, have you tried Minet?  You have been absent from school for some time and during that time representatives from the Minet Medical Scheme organizations visited us and told us all about the new scheme that is tailor-made for teachers. I have their contacts in school and you can give them a call and see if your daughter is eligible.”

It turns out children of teachers are eligible for the medical cover that also caters to pre-existing chronic conditions as dependants. All teachers employed by the Teachers’ Service Commission (TSC) and actively in service are automatically eligible to be covered under the Minet Teachers’ Medical Scheme as Principal Members.

 Dependants

The following persons are considered dependants and are eligible for cover:

  • One (1) legal spouse of the member
  • Four (4) unmarried biological or legally adopted children who are dependent upon the member for support, provided that such children are aged not less than 38 weeks (full-term birth) and not more than 18 years, a condition that is extended to 25 years if the children are enrolled in a recognized post-secondary institution
  • No age limit applies to child dependants with a disability Change of Dependants Once registered, it is not possible for the principal member to change their dependants until the end of the policy period unless as a result of death or divorce of a spouse. However, at the start of each policy period, you will have a chance to review your cover and make changes to your dependants should you wish to. The end of a policy year normally occurs in September of every year.

Terms and Conditions of Cover for Dependants

  • Pre-mature babies i.e. babies born before 38 weeks are covered under maternity
  • The legal spouse of the dependant will be covered up to the age limit of 70 years
  • The cover does not cater for relatives of the principal member such as mother, father, sisters, brothers, nephews, nieces or grandchildren

All teachers in active service with Teachers’ Service Commission (TSC) are automatically eligible for the Minet medical scheme.  The principal member is, however, required to register themselves and their dependants and the registration process is done in two steps: Unstructured Supplementary Service Data (USSD) registration and biometric registration.

Mandatory details for registration :

  • TSC Number
  • ID Number

Step 1: Dial *865# from your Safaricom or Airtel mobile phone number

Step 2: Key in your TSC and National ID Numbers when prompted. The details will be verified against our database

Step 3: If successful, you will be prompted to enter your name (surname and other name), role and gender. Once done, you will receive a message confirming your successful registration onto the scheme and a prompt to register dependants.

Registration for dependants

Step 1: Dial *865# from your Safaricom or Airtel mobile phone number

Step 2: Select the dependant you wish to register, i.e. spouse or child Step 3: Enter Date of Birth, full name, ID Number/Birth Certificate Number If not successful, kindly contact us on the call centre hotline numbers for further assistance.

Biometric Registration is carried out at the service provider’s premises. It follows the steps below:

Step 1: Present yourself at the service provider on our active panel (you can access the list of active providers by dialing *340#)

Step 2: Identify yourself or your dependant with the TSC number

Step 3: The service provider will generate an SMS that contains the One-Time-Pin (OTP), sent to the principal member’s mobile number

Step 4: You will present this OTP to the service provider representative to kickstart the fingerprint registration

Step 5: You will be requested to place your index finger and thumb on the biometric device and the impressions will be recorded against your membership record NB: Children under 5 years of age will be registered under either the parent or an appointed guardian.

Diane did not waste any time and once she enrolled herself for the Minet medical scheme for teachers she only one item to worry about and that is the health of her beloved daughter as opposed to previous times when she worried about the fast deteriorating condition of her child as well as how to raise funds to treat the condition. With such an elaborate cover, Annette now has access to some of the best doctors who are working tirelessly to see her regain her health.

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