Alyssa Lane
TSC, or Teachers Medical Scheme, is a medical insurance program for teachers in Kenya. It is managed by Minet Brokers Limited, which subcontracted eight other insurance companies under Medical Administration Kenya Limited (MAKL) to provide services across 47 counties. The insurance covers outpatient, inpatient, dental, optical, maternity, psychiatric, and counselling services, as well as road and air evacuation and funeral benefits. TSC insurance is also offered by Tallahassee State College, which provides its employees with access to health coverage and a variety of insurance options, including dental and eye care plans.
| Characteristics | Values |
|---|---|
| Type of Organisation | College |
| Location | Texas, Tallahassee, Florida, Kenya |
| Insurance Coverage | Outpatient, Inpatient, Dental, Optical, Maternity, Psychiatric, Counselling, Funeral benefits, Road and Air evacuation |
| Insurance Provider | Minet Brokers Limited, Medical Administration Kenya Limited (MAKL), Bliss Healthcare Limited, Medical Administrators Kenya Limited, Old Mutual General Insurance Kenya Limited, Britam General Insurance Company (K) Limited, Star Discovery Insurance Limited, Pioneer Assurance Company Limited, Star Discover Life Insurance Limited |
| Number of Members | 1,288,395 |
| Number of Hospitals | 829 |
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What You'll Learn
TSC insurance for teachers in Kenya
In Kenya, the Teachers Service Commission (TSC) provides medical insurance coverage for TSC-employed educators and their families. This insurance coverage extends to the teacher's spouse, children, and other dependents. The TSC has a contract with Minet Kenya Insurance Brokers Limited, which subcontracts with a consortium of eight other insurance companies under Medical Administration Kenya Limited (MAKL) to provide services. These companies include Bliss Healthcare Limited, Old Mutual General Insurance Kenya Limited, Britam General Insurance Company (K) Limited, and others.
The TSC medical insurance scheme offers a range of benefits to teachers and their dependents. These benefits include outpatient and inpatient care, dental, optical, maternity, psychiatric, and counselling services. It also covers emergency evacuation by road or air in critical situations and provides funeral benefits. The specific benefits available to teachers may vary depending on their job grade. For example, teachers in lower job groups may have different inpatient and outpatient coverage limits compared to those in higher job groups.
There have been some challenges with the TSC medical insurance scheme in Kenya. In 2024, there were reports of delays in the release of funds from the National Treasury, resulting in teachers being turned away from hospitals due to non-authorisation of treatment by Minet. This issue highlighted the financial and technical difficulties faced by the insurance provider, impacting the timely delivery of healthcare services to teachers and their families.
To address these challenges, Knut and Kuppet urged the Treasury to expedite the release of funds to ensure teachers' medical needs were met without humiliation. There were also calls for a review of cover limits, especially concerning maternity expenses, to ensure equitable support for all teachers regardless of their job group. These issues underscore the importance of stable and efficient funding for the TSC medical insurance scheme to provide timely and accessible healthcare services to Kenya's teaching community.
In January 2025, the TSC renewed its contract with Minet Kenya Insurance Brokers Limited, ensuring continued medical insurance coverage for TSC-employed educators. This two-year extension maintains the existing structure of benefits and services, providing stability and peace of mind to teachers regarding their healthcare needs. The TSC-Minett medical insurance scheme is designed to adjust benefits based on the job grade of the educator, offering customised coverage for different tiers of teaching positions.
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TSC insurance for employees in Texas
Retirement Programs
Texas Southmost College requires all benefits-eligible employees to participate in one of two retirement programs: the Teacher Retirement System of Texas (TRS) or the Optional Retirement Program (ORP). Both programs involve contributions from the employee and employer, which are a percentage of the gross salary as specified by the state legislature. These contributions are tax-deferred and become taxable income to the employee upon distribution.
TRS Benefits
Rights to benefits under the TRS program are vested upon completing five years of creditable service. Employees contribute 7.7%, and the state contributes 7.5% of their monthly gross salary to a state account to pay for retirement benefits. The TRS program includes life insurance and disability benefits. Regular retirement is available at age 65 with a minimum of five years of participation, or when age and service equal 80. Early retirement, with reduced benefits, is available from age 55 with a minimum of five years of participation.
Health and Dental Insurance
Texas Southmost College offers group health and dental insurance coverage for employees and their dependents. The HealthSelect Medical insurance plan offers three benefit levels: in-area network, in-area non-network, and out-of-area. The benefit level depends on where the employee lives or works, the doctors and providers used, and their eligibility for Medicare. HealthSelect also includes a comprehensive Prescription Drug Program and basic term life insurance.
Dental coverage is provided by Delta Dental, with two plans available. Enrollment and changes to insurance plans typically occur during the summer, with changes taking effect at the beginning of the new fiscal year on September 1st.
Other Benefits
Texas Southmost College also provides other benefits to its employees, including:
- Voluntary Accident and Dismemberment coverage
- Short-term and long-term disability insurance
- Tuition reimbursement and waiver for classes at TSC
- Access to state-of-the-art gym and wellness resources
- Discounts on high-quality electronic accessories through the Tech-Perks program
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TSC insurance for employees in Tallahassee, Florida
TSC Insurance, or Tallahassee State College Insurance, offers a comprehensive benefits package to its employees in Tallahassee, Florida. The college is committed to supporting the health and wellness of its employees by providing access to excellent health coverage and a variety of insurance options.
Health Insurance
TSC employees have access to health insurance, which covers some expenses in the event of an accident. This includes short-term and long-term disability insurance, which provides protection from loss of income during extended absences due to total disability resulting from an accident or illness.
Dental Insurance
TSC offers a choice between two dental plans: a high option and a low option plan. Both plans offer flexibility in choosing a dentist, but using an Ameritas Dental network provider maximizes benefits and reduces out-of-pocket costs.
Vision Insurance
An affordable eye care plan is available through the VSP Network, and employees may elect coverage for themselves and their eligible dependents.
Life Insurance
Basic life insurance coverage is provided for all full-time employees, equal to twice their annual salary. This includes accidental death and dismemberment coverage. Voluntary term life insurance is also available, with additional coverage available in $25,000 increments up to a maximum of $500,000. Employees can further elect voluntary spouse and child life insurance coverage.
Other Benefits
TSC employees enjoy various other perks, including exclusive savings on high-quality electronic accessories through the Tech-Perks program, offering up to 75% discounts on items like smartphone cases, chargers, and Bluetooth devices. Additionally, employees have access to tuition reimbursement for non-TSC courses and tuition waivers for classes at TSC for themselves and their families. The college also promotes health and wellness through access to its state-of-the-art gym and fitness classes.
The Risk Management Office at Tallahassee State College manages the college's insurance programs in conjunction with the Florida College Risk Management Consortium (FCSRMC). This office provides guidance and education to departments on risk management and insurance requirements, aiming to minimize the adverse effects of unpredictable events.
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TSC insurance for people with rare diseases
Tuberous Sclerosis Complex (TSC) is a rare genetic disease that causes non-cancerous tumors or lesions to grow in the brain and other areas of the body, including the eyes, lungs, heart, kidneys, and skin. Brain lesions are areas of injury or damage to brain tissues. The three types of brain lesions seen in TSC are cortical tubers, subependymal nodules (SEN), and subependymal giant-cell astrocytomas (SEGA), which develop from SEN.
The TSC Alliance is a national organization that works to improve the quality of life for people affected by TSC. They do this by advocating for new treatments, funding research for a cure, and expanding access to lifelong support. The TSC Alliance also helps connect people with TSC to resources and options that may help them. Clinical case managers and social workers can also help identify needs and coordinate care.
Living with a rare disease like TSC can be challenging due to limited local resources and structural barriers to accessing care and insurance. Even with health insurance, out-of-pocket costs for deductibles, co-pays, and medications can be financially stressful for families. This stress is even greater for the millions of uninsured US citizens.
In Kenya, the TSC has been allocated funds for the current financial year to provide medical cover for teachers. Minet Brokers Limited has been engaged to subcontract a consortium of other insurance companies to provide services across all 47 counties. This insurance covers outpatient, inpatient, dental, optical, maternity, psychiatric, and counselling services, as well as road and air evacuation and funeral benefits.
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TSC insurance for teachers' families
The Teachers Service Commission (TSC) has renewed its contract with Minet Kenya Insurance Brokers Limited, ensuring continued medical insurance coverage for TSC-employed teachers and their families. This two-year extension guarantees that teachers can keep accessing essential healthcare benefits. Minet has been managing the TSC medical scheme since December 2022, covering everything from routine outpatient care to specialized treatments. The cover includes outpatient, inpatient, dental, optical, maternity, psychiatric, and counselling services, as well as road and air evacuation and funeral benefits.
The TSC-Minett medical insurance scheme adjusts benefits based on the job grade. For instance, teachers in lower job groups, like Primary Teacher II (Grade B5), receive Ksh1 million in inpatient coverage and Ksh150,000 for outpatient needs. The insurance covers the teacher, their registered spouse, and up to four dependent children up to the age of 18 (or 25 if they're in school). There is no age limit for children with certified disabilities.
TSC-employed teachers between 18 and 65 years old are covered under this scheme. This continued coverage is a lifeline for thousands of educators and their families, allowing them to focus on educating the next generation without constantly worrying about healthcare costs. Before 2012, the medical allowance was included in teachers' pay slips, but the responsibility has since shifted to the TSC to engage a medical insurer.
In Kenya, there are 800 medical and healthcare service providers across 47 counties cleared to offer treatment under the TSC scheme. This includes 146 public, county, and government referral hospitals. Teachers are covered by Minet Brokers Limited, which subcontracted eight other insurance companies under Medical Administration Kenya Limited (MAKL) to provide services across the country.
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Frequently asked questions
TSC, or Teachers Medical Scheme, is a medical insurance program for teachers in Kenya. It is managed by Minet Brokers Limited, which subcontracted a consortium of eight other insurance companies under Medical Administration Kenya Limited (MAKL) to provide services across 47 counties.
TSC medical insurance covers outpatient, inpatient, dental, optical, maternity, psychiatric, and counselling services. It also includes road and air evacuation and funeral benefits.
TSC medical insurance covers the principal member, one spouse, and a maximum of four children (either biological or legally adopted).
Ideally, members should be registered before visiting the hospitals. Members or the hospital can contact Teachers Medical Scheme through the provided phone numbers or email address to register.
