In this paper, we tackle the problem of solving the system of radiative heat transfer coupled with the diffusion equation for material temperature with a full Monte-Carlo (MC) scheme in heterogeneous media, i.e. possibly containing discontinuities of thermophysical material parameters. MC schemes based on Brownian paths for the diffusion equation in layered media are known to present some issues: corrections at the interface between media are usually mandatory or must be replaced with complex samplings. In this paper, based on the observations that transport models are easily solved by MC methods in layered media, and that state-of-the-art MC schemes capture the diffusion limit, we suggest to build a phonon like model and to solve it with an MC scheme. For capturing the diffusion limit, physical constraints are explicited and enforced within the MC resolution. These constraints can even help revisiting the Brownian paths for efficient corrections. Numerical results are provided in different regimes in order to highlight the relevance of the strategies suggested in this paper.