1. Introduction

Background Information: SNV is a not-for-profit international development organisation. Founded in the Netherlands 53 years ago, we have built a long-term, local presence in 38 of the poorest countries in Asia, Africa and Latin America. Our global team of local and international advisors work with local partners to equip communities, businesses and organisations with the tools, knowledge and connections they need to increase their incomes and gain access to basic services – empowering them to break the cycle of poverty and guide their own development.

SNV has worked in Zambia since the 1965 with country office in Lusaka, currently we have field offices in Kasama, Mongu, Chipata, Choma, Kabwe, Kalomo. In alignment with our Corporate Strategy, SNV Zambia focuses on three sectors namely Agriculture, Energy and Water, Sanitation and Hygiene (WASH).

SNV Zambia invites application from eligible, competent, and qualified medical insurance policy provider for its staff members from 1st January 2024 to 30th December 2025. The supplier should be able to provide medical insurance for our staff members who are located in Kasama, Mongu, Chipata, Choma, Kabwe and Kalomo.

The nature of our work is in the rural remote areas of our country hence the interested provider should have a wider range of health services providers that cuts across the country.

SCOPE OF WORK

The company which is selected to perform the work will have to carry out the following functions:

1. In-Patient Treatment

In-patient treatment will be provided to employees and their dependants as per (details benefit on attachment 1). The coverage is subject overall limit Per member; therefore, the selected company ought to have a wide network with hospitals in all regions of Zambia.

2. Out-Patient Treatment

The out-patient treatment provided to employees and their dependants will be a cashless system with minimum K 11,500 per member but subject to Overall limit, including.

• Routine general outpatient consultation;
• Access to specialist doctors;
• Diagnostic laboratory and radiology services including CT/MRI and other specialized scans;
• Routine internal check- ‐ups;
• Chronic and recurring conditions;

3. Medical Evacuation coverage

The Medical Evacuation coverage for staff, Evaluation and Referral 24 hours, Medical Evacuation Hospital Admission, Monitoring of Medical Condition, Dispatch of Medicine in the event of Emergency, Emergency Message Transmission, transportation to Join Patient, Care/Transportation of Minor Children, Return of Mortal Remains, Interpreter and Legal Referrals, Pre-Trip Information and General Assistance Services.

4. Annual Medical Check Up

The cover should include free annual medical check-up for all staff of SNV Zambia

5. Providing service agreement to cover SNV Zambia for 12 months (1 year)

The selected company should be willing to provide service agreement of covering SNV Zambia for 12 months, based on annual renewal with possibility of terms and conditions changes.

6. Coordination and Reporting

The Service provider will submit a quarterly report showing the consumption rate and highlighting any issues that need particular attention from SNV Zambia.

The service provider should indicate all the benefit features and proposed charges for Premium and Ceiling per individual.

CRITERIA FOR PROPOSAL EVALUATION

Technical Proposal.

Each bidder shall submit a technical proposal addressing the services required how they will meet the Organisation’s requirements. The technical proposal will account for 70% of the total combined score. The proposal will be evaluated according to the following criteria:

• Company & personnel qualifications (references, experience etc)
• Benefit coverage (Extra services: Gym sessions, therapy, mental health awareness etc)
• Provider network (Medical providers, Coverage Area)
• Quality of service (Reservation, billing and reporting systems)

Financial Proposal

The financial proposal shall be evaluated according to the price structure proposed and will account for 30% of the total combined scoring.

QUALIFICATIONS OF THE COMPANY AND PERSONNEL QUALIFICATION

• Extensive experience and a proven track record in the health insurance busines
• Wide networks for national and international coverage
• Reliable health coverage services
• Sound experience in servicing international development organizations, provide three references.
• Ability to provide 24-hours service.
• Real time administrative support system
• Ability to respond immediately to emergency situations, whilst maintaining high quality standards of service delivery
• Speed of claim processing
• Flexible in terms of limit consumption as well as replacement of insured members by others.

GENERAL PROVISIONS

This tender is open for both Health Insurance Company and Health Insurance Broker.

The Health Insurance Broker should provide letter of attorney from the insurance company.

Detail data is attached, consisted of:

a) Health insurance benefit requested

b) Total number of employee and dependants, including the birth dates

Please submit the health insurance proposal according to the health insurance benefit as requested which contains below information:

1. Inpatient benefit

2. Outpatient benefit

3. Provider coverage

4. The price and Policy coverage of different covers provided by the medical insurance provider.

5. General conditions

6. General Exclusion

• Each bidder may have their own proposal version, but the technical proposal must be submitted as a separate document from the financial proposal.
• Only proposals that fully address the mandatory services listed in the bidding requirement will be evaluated.
• The Technical Proposal and Administrative proposal should be submitted in one single PDF document.

Mandatory requirements

1. Financial Proposal

2. Organisation Profile

3. Certificate of Incorporation

4. TPIN Certificate

5. Valid Tax Clearance Certificate

6. Latest Bank Statement for the past three months

7. Three Recommendations from similar assignments

8. Bank detail on a bank letter head

Detailed specifications and requirements are well stated in the RFP which can be found on this link.

Application Criteria:

• Only electronic submissions will be accepted.
• Submission should be made through zambiaprocurement@snv.org not later than 17:30hrs, 17th  2023.
• For any clarifications, contact zambiaprocurement@snv.org.

Note: SNV Zambia may request for necessary and/or more information during the evaluation. SNV will only contact the successful bidder (s) within the period of 2 weeks from the closing date of submission.