What Does Aon Insurance Cover? Your Guide to Aon Insurance Coverage

When it comes to safeguarding your health and well-being, Aon Insurance goes beyond the conventional.

Understanding what Aon Insurance covers is crucial for maximizing its benefits.

Let’s delve into the comprehensive coverage provided by Aon Insurance, exploring the diverse services that cater to every aspect of your health and peace of mind.

Inpatient Services

Aon Insurance’s inpatient coverage extends a comforting umbrella of protection, encompassing various vital aspects of healthcare. The benefits include:

Hospital Accommodation: Group G-N standard ward bed rate and Group P-R standard private ward bed rate.
Medical Procedures: Coverage for doctor’s and surgeon’s fees, ICU/HDU theatre charges, and more.
Diagnostic Services: Inclusive of pathology, x-ray, ultrasound, ECG, MRI scans, and computerized tomography.
Specialized Treatments: Inpatient radiotherapy, physiotherapy, hydrotherapy, and chemotherapy.
Emergency Services: Road and air evacuation within East Africa leading to admission.
Special Considerations: Accommodation for a parent or guardian of hospitalized children below seven years.

It’s important to note that all payments related to the medical cover are net of NHIF rebates, rates, and deductions.

Outpatient Services: Unlimited Access to Care

Aon Insurance prioritizes outpatient care, ensuring unlimited consultations.

The outpatient services cover:

Routine Consultations: Ensuring regular check-ups for preventive care.
Diagnostic Services: Inclusive of diagnostic laboratory and radiology services.
Day Care Surgery: Covering minor surgical treatments not requiring admission.
Pharmaceutical Support: Prescribed drugs and dressing expenses.

Maternity Services: Nurturing New Beginnings

For expectant parents, Aon Insurance extends comprehensive maternity services, including:

Antenatal and Postnatal Care: Routine check-ups before and after childbirth.
Delivery Fees: Covering the costs associated with delivery.
Emergency and Elective Procedures: Including caesarean sections.
Congenital Conditions: Ensuring coverage for conditions present at birth.

It’s worth noting that maternity benefits are exclusively available to the principal member and their spouse, with newborns requiring immediate registration.

Dental and Optical Services: A Bright Smile and Clear Vision

Aon Insurance doesn’t overlook dental and optical needs, covering:

Dental Services: Consultations, anaesthetist’s fees, root canal treatment, extractions, and more.
Optical Services: Covering expenses related to eye treatments, including lenses and spectacle frames.

Evacuation Services: Ensuring Safety in Times of Need

Aon Insurance provides a safety net with evacuation services, covering:

Emergency Air and Road Ambulance Services: Within East Africa.
Overseas Evacuation/Treatment: When local treatment is unavailable, subject to policy limits.

In emergencies, contacting Minet immediately via the Call Centre Hotline ensures swift assistance, with coordinated evacuation processes.

Wellness Packages: Nurturing Holistic Well-being

To ensure the overall well-being of its members, Aon conducts wellness checks and educational programs.

The wellness packages include:

Health Education: Engaging programs on lifestyle choices and disease management.
Preventive Care: Wellness drives featuring preventive care programs.
HIV/AIDS Workplace Programs: Voluntary counseling and testing initiatives.

Chronic Disease Management: Personalized Support for Long-term Health

For chronic conditions, Aon Insurance offers tailored Chronic Disease Management (CDM) programs covering a range of conditions.

Enrollment is facilitated through a CDM form available at Minet county offices or on the website.

Psychiatric & Counselling Services: A Supportive Embrace

Aon Insurance extends support for mental health with services covering psycho-social support for various conditions.

These include:

Psychosocial Tele-counselling: Available through the Minet tele-counselling center.
On-site Counseling: In special instances.
Referrals: Facilitating face-to-face counseling with specialists.

Last Expense Benefits: Compassion in Times of Loss

In unfortunate circumstances, Aon Insurance provides last expense benefits to the next of kin upon the demise of the principal member.

This benefit aids in funeral arrangements and is payable within 48 hours via Mobile Money Transfer.

Group Life Benefits: A Safety Net for Loved Ones

In the event of the principal member’s demise, Aon Insurance offers group life benefits to assist the family in reorganizing their lives.

This benefit varies across job groups and requires specific documentation for processing.

Overseas Evacuation/Treatment Abroad: Global Support for Complex Cases

In cases where local treatment is insufficient, Aon Insurance facilitates overseas evacuation and treatment, subject to Ministry of Health regulations.

The process involves thorough verification, securing credit facilities, and travel assistance to ensure a seamless experience.

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Conclusion

Aon Insurance transcends the conventional boundaries of insurance coverage.

From routine check-ups to complex medical procedures, Aon’s comprehensive plans prioritize your health and well-being.

Understanding the extensive coverage ensures that you make the most of the benefits, providing you and your loved ones with peace of mind in every aspect of life.

Does Aon cover surgery?

Yes. The TSC Aon insurance coverage includes both in-patient optical and dental surgeries, as well as day care surgery for minor surgical treatments that may not necessitate admission to a hospital.

This means that individuals covered by TSC Aon can avail themselves of financial support for a range of surgical procedures, including those related to optical and dental health, whether conducted on an in-patient basis or as day care procedures for less complex treatments that do not require an overnight stay.

Does AON cover IVF?

Yes, Aon provides coverage for in vitro fertilization (IVF) under the Teachers Medical Scheme.

Teachers can access the IVF benefit through the specified channels, such as contacting Aon via phone at 1528 or emailing mmc.customerservice@minet.co.ke for further guidance on the process and additional information.

Does AON cover dental?

Yes, Aon provides dental coverage as part of its benefits package.

The dental benefits include coverage for services such as dental consultation and anaesthetist’s fees, dental X-rays, root canal treatment, tooth extraction, deformation surgery, scaling necessitated by a prevailing medical condition and prescribed by a dentist, as well as dentures necessitated by an accident or injury.

This coverage encompasses a range of dental procedures and services to support policyholders in maintaining oral health and addressing dental issues arising from various circumstances.

Does AON cover maternity?

Yes, Aon provides maternity coverage as part of its benefits package.

The coverage includes routine antenatal check-ups, delivery and doctor’s fees, postnatal care up to six weeks post-delivery, routine immunizations, coverage for emergency and elective caesarean sections, normal deliveries, pre-maturity/pre-term births up to 37 weeks, and coverage for congenital conditions.

It’s important to note that the maternity benefit is available specifically to principal members and/or their spouses.

Does AON cover therapy?

Yes, Aon provides psychiatric and counseling services as part of its employee support programs.

The services cover a range of conditions including chemical dependency, stress, post-traumatic counseling, relationship difficulties, anxiety and depression, parenting, legal or financial distress, among others.

The offerings include psychiatric and tele-counseling through the Minet toll-free line, which is available 24/7, as well as onsite counseling services in specific instances.

Additionally, Aon offers referrals to face-to-face counseling by specialists in special cases, ensuring comprehensive mental health support for employees.

Does AON cover tooth replacement?

Yes. Aon covers tooth replacement, including dentures resulting from accidents or injuries.

AON cover various dental procedures such as dental consultations, anaesthetist’s fees, dental X-rays, root canal treatment, tooth extraction, deformation surgery, and scaling prescribed by a dentist due to a prevailing medical condition.

It’s important to review the specific terms and conditions of the Aon policy to fully understand the extent of dental coverage and any potential limitations or exclusions.

Does AON cover preexisting conditions?

Yes, Aon provides coverage for pre-existing conditions, including the treatment of chronic conditions such as cancer. This coverage extends to newly diagnosed chronic conditions as well.

Additionally, Aon offers coverage for specific preventive measures, such as Pap smears for women and PSA tests for men, albeit for principal members only.

The insurance also includes medical emergency services, encompassing road ambulance evacuation.

Does Aon cover braces?

No, Aon does not cover braces as part of its dental insurance.

Braces are considered cosmetic dental care, along with cosmetic crowns, caps, bridges, orthodontics, dentures, self-prescribed teeth cleaning, and whitening, unless they are necessitated by accidental injury.