Tender Note for Staff Medical Insurance

  • Somalia
  • Applications have closed

WORLD VISION SOMALIA

 TENDER NOTICE

World Vision International (WVI) is a Relief and Development Organization working to promote the well-being of children. WVI invites tenders for provision of Medical Insurance Services for a period of one (1) year as from 1st May 2021 – 30th April 2022 (Renewable), for its staff.

Eligible insurance firms are invited to apply for the tenders for medical insurance for the under mentioned insurance covers:

Application Process

All interested bidders are requested to submit their Technical Proposals and Financial Proposals in Separate documents as attachments (Bidders who will combine both technical and financial proposals shall be disqualified) via email somo_supplychain@wvi.org   on or before 1st March 2021. Bids received after deadline shall not be considered.

Email title should be; WVS-OT-001/21-MEDICAL INSURANCE

Your financial proposal should be as per schedule on the TOR document. Financial proposal should not be part of the technical proposal, it should be a separate document .Each tender must be accompanied with a Bid Security of USD 10,000.00 in form of a Bank Guarantee from Dahabshiil Bank. The Bid Security must be valid for at least 120 Days from the tender closing date.

World Vision International Somalia reserves the right to accept or reject any bid and is not bound to give reasons for its decision

  1. MANDATORY REQUIREMENTS

The Underwriter must provide and ensure the following conditions are met:

  1. Bid Security of USD 10,000.00 in form of a Bank Guarantee from Dahabishil Bank
  2. A brief description of your company with an outline of your experience in provided similar services (attach registration for the last three years 2017-2020)
  3. Submit audited accounts for the last three (3) years 2017, 2018 and 2019.(Certified by auditor)
  4. Attach last six months bank statements-Signed by the issuing Bank
  5. List and locations of your current health providers (e.g. hospitals, clinics, specialists pharmacies etc)
  6. A list and contacts of your clients receiving similar services from your company. Attach at least five reference letters from your clients(INGO’S) on Medical Insurance
  7. Provide evidence of at least one client with with minimum annual premium value of USD 400,000 and above
  8. Submit a certified copy of certificate of Incorporation/Registration.(Attach a copy)
  9. Submit a copy of current tax compliance certificate from the respective Regional/Government Tax Agency/Department. Attach current copy
  10. Submit a copy of Tax Certificate the respective Regional/Government regional Tax Agency/Department.
  11. Must Fill the Price Schedule in the format provided.
  12. Detailed scope of the medical cover you propose to provide (as per the format provided below)Must be as per the attached format
  13. Properly arranged/paginated/serialized document. (Document should be arranged as per this numbers1-13) in PDF

Note: Bidders who will not adhere to mandatory requirements will automatically be disqualified.

  1. TECHNICAL REQUIREMENTS

The Technical Proposal shall provide the following information (but not limited to the below):

Bidders must meet all the mandatory requirements to qualify technically

TECHNICAL EVALUATION CRITERIA

No Criteria
1. Submit recommendation letters from at least Five (5) INGOs and/or corporate clients served in a similar assignment in the last three (3) years (2018, 2019 and 2020).
2. Attach evidence of at least one client with minimum annual premium value of USD 400,000(attach LPOS/award letters/Contracts.
3. Provide Audited Accounts for three years 2017, 2018, and 2019 with Gross Premiums in the year 2019 of not less than USD. 1,000,000
4. Provide the last six months bank statement signed by issuing bank
5. Demonstrate capacity to provide administrative services across all regions within Somalia and Somaliland (branch network) Clearly indicate your area of operations and location of offices
6. List of Health Providers and their geographical distribution in the region. Give a schedule of approved hospitals and Doctors and region located
7. Proposed supervisory team engaged with this assignment – CVs, profiles and role of each member and expected communication protocols
8. Comply with the minimum requirements for inpatient, outpatient, maternity, dental and optical cover as provided below.
9. Propose Methodology or process of claim settlement(Describe the process of settling a claim with expected timeline)
10. Describe any additional benefits/riders(if any) give a clear description of each benefit and its application.Each additional benefit/riders must be describe in detail and clearly show if offered for free or chargeable.If charged,clearly indicate cost against it
  1. BENEFITS LIMITS

STAFF MEDICAL SCHEME – INPATIENT AND OUT PATIENT

  1. OUTPATIENT COVER (INSURED)
  2. Overall Scheme Cover Limit: -USD 800.00 per family per annum general OP cases

-USD 250.00 (Dental Stand Alone) per family per annum

-USD 250.00 (Optical Stand Alone) per family per annum

-USD 600.00 (Maternity Stand Alone) principal/Spouse per annum

Optical Benefits

                                             OUT PATIENT BENEFITS
Consultation with a General Practitioner Covered within Outpatient Limit up to USD 30 for GP
Consultation with a Specialist upon referral by a General Practitioner up to the specialist’s charges Covered Limit up to USD 50 for Specialist
Prescription Drugs and Dressings up to a maximum of 30 days Dosage Covered
Gynaecological illness and Treatment Covered
Pre-existing, chronic, cancer, Psychiatric, congenital conditions and HIV/AIDS and related treatment Covered
Examination, Diagnostic and Treatment services by authorized General Practitioners, Specialists and Consultants Covered
Laboratory test services carried out in the authorized facility assigned

to treat the insured person

Covered
Radiology diagnostic services carried out in the authorized facility

assigned to treat the insured person

Covered
MRl, cr scans and Endoscopies in case of medical non-emergency

(require pre authorization)

Covered

Medical expenses arising from Terrorism Covered
Vaccines (required pre authorization) Covered
                                             OPTICAL BENEFITS (Stand Alone-Out-patient)
Outpatient Ophthalmologists Expenses Covered
Prescribed Frames and Lenses Covered
Frames and lenses are limited to one pair every one year unless otherwise Medically Necessary Covered
Medication Covered
Contact Lenses Covered
Visions tests for errors of refraction Covered
Laser Correction of Eyesight Covered
Prescribed Plano (flat)/Non degree lenses for Photophobia/Photosensitivity diseases Covered

Dental Benefits

                                                    DENTAL BENEFITS (Stand Alone-Out-Patient)
Consultation Covered
Medication Covered
Tooth Extractions (Simple & Surgical) Covered
Tooth Fillings (Amalgam, Resin Plastic & Composite) Covered
Prescribed Scaling Covered
X-rays Covered
Root Canal Treatment (R.C.T) Covered
Crown (lf Followed by R.C.T) Covered
Dentures ( lf in the Event of An Accident) Covered

 Maternity Benefits

                                                 MATERNITY BENEFITS — Principal/spouse only (stand Alone)
Out-patient Ante-natal services Covered
ln-patient Maternity services a)    Covered for Normal Delivery and pregnancy related

complications and for medically necessary elective and

subsequent C-section, complications and medically

necessary termination within Maternity Limits

b)    All claims from pre-existing pregnancies will be payable

under the maternity benefit

New born/Neonatal conditions, Premature babies and Birth

trauma

Covered under congenital and neonatal conditions benefit.
  1. INPATIENT BENEFITS AND LIMITS
IN-PATIENT BENEFITS
Hospital Accommodation/Room & Board Limit Private Standard Room Limit up to USD 100

within Inpatient Limit

ICU/CCUIHDU Limit Per Confinement Covered
Doctor’s (Physician, Surgeon & Anaesthetist) Fees Covered (Consultation fee limit up to USD 30 for

GP and USD 50 for Specialist)

Tests, Diagnosis, Treatments and Surgeries Covered
Prescribed Medicines and Drugs administered

whilst in-patient day-care patient

Covered
Accommodation for a person accompanying an

insured child up to L0 years of age, per night

Covered
Accommodation for a person accompanying an

insured member in the same room in cases of

medical necessity at the recommendation of the

treating doctor, per night

Covered
Inpatient Physiotherapy Covered
Day Care Surgery Covered
Congenital infirmity and premature babies

conditions

Covered up to USD 1,000 within inpatient limit

per family

Psychiatric Disorders Covered up to USD 1,000 within inpatient limit

per family

Inpatient Optical Hospitalization resulting from an illness (excluding correction of refractive errors and laser treatment). This excludes outpatient optical costs and procedures e.g. frames & lenses. Covered

(up to USD 500 within inpatient limit per family)

Emergency Outpatient Optical Treatment by an

Accident. This excludes outpatient optical costs and procedures e.g. frames & lenses.

Inpatient dental Hospitalization resulting from an illness. This excludes outpatient procedures e.g. braces, crowns, bridges & other prosthesis. Covered (up to USD 500 within inpatient limit per family)
Emergency Outpatient Dental Treatment by an

Accident. This excludes outpatient procedures e.g.

braces, crowns, bridges & other prosthesis

·         Pre-existing Diseases, Chronic, Cancer & HIV/AIDS (subject to Disclosure/Declared of Earlier to Contract)

·         Radiotherapy & Chemotherapy [subject to pre authorization]

·         Newly Diagnosed HlV, Cancer and Chronic Conditions

Covered (Up to S 3,500 within the in-patient limit and Full Outpatient Limit per family)
Post Hospitalization Treatment Covered Up to USD 200 within Inpatient Limit

for a maximum of 03 Weeks after Discharge

Discharge take Home Medication Covered – up to 30 days after Discharge
Pre-Hospitalization Services (Diagnostic &

Consultation)

Covered (Consultation fee limit up to USD 30 for

GP and USD 50 for Specialist)

Funeral expenses (Sickness and Accident-

Common Carrier Only)

Covered

(up to USD 600 within inpatient limit per family)

Medical expenses arising from Terrorism Covered within inpatient limit up to USD 4000
Ground transportation/ Local road ambulance to hospital services in the Territorial Limits provided

for medical emergency cases

Covered within inpatient Limit up to USD 40
Commercial Air Evacuation out of Somalia and

Somaliland (must be pre authorized) for treatment

not available or not safe to undertake locally

Covered within inpatient limit subject to landing rights at the time of evacuation.
COVID – 19 INSURANCE COVER – USD 2,500/= SUB LIMIT WITHIN INPATIENT LIMIT
1 Hospital Accommodation/Room & Board limit Private Standard Room Limit up to USD 50 within Inpatient limit
2 ICU/CCU/HDU Limit per confinement Covered
3 Doctor’s (Physician, Surgeon & Anesthetist) Fees Covered (Consultation fee limit up to USD 30 for GP and USD 50 for Specialist)
4 Tests, Diagnosis, Treatments Covered
5 Prescribed medicines and drugs administered whilst in-patient & day-care patient Covered
6 Ground transportation local road ambulance to designated COVID-19 hospitals Covered

 EVALUATION OF PROPOSALS

Bids shall be subjected to evaluation as follows;

  1. Mandatory Requirements evaluation
  2. Technical Evaluation-For bidders who have met the mandatory requirements
  • Financial Evaluation-Only bidders who have qualified technically

PRICE SCHEDULES

a). Out-Patient

Out-Patient Limit Family Size PREMIUM PAYABLE

(USD)

Office Principal Members Spouses Children Total Population
TOTALS          

 b). In-Patient

Out-Patient Limit Family Size PREMIUM PAYABLE

(USD)

Office Principal Members Spouses Children Total Population
TOTALS          

 

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