RFQ ( Group Medical/Health Insurance & Group Life Insurance for the year 2025-2026 )

Human Appeal

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Posted date	11th February, 2025	Last date to apply	17th February, 2025
Country	Pakistan	Locations	Islamabad
Category	Development Sector
Type	Contractual	Position	1
Status	Closed

1. Introduction

Indroduction :

Human Appeal is an incorporated UK charity and a global humanitarian and development organization. We save lives, alleviate poverty, transform and empower local communities whilst championing humanity, impartiality, neutrality, and independence and establishment of self-sustaining development programmes. Our vision is ‘’ to become the global agent of change for a just, caring, and sustainable world’’.

Instructions to Bidders :

Quotations: Proposals must show unit prices, extensions, and total price where required. Quotations must be a fixed price, expressed in Pakistani Rupee (PKR).

Bidders shall fill in the price for each item in each option in below format. In case of any discrepancy between a unit price and an amount, the unit price will be taken as correct and the amount adjusted accordingly. For any item for which a unit price or amount is not shown, it will be assumed that the Bidders is not including that item in their proposal.

Proposals must remain valid for not less than sixty (60) calendar days after the offer deadline.

Negotiations: Best-offer quotations are requested. Award will be made to a responsible supplier submitting the lowest price, technically compliant proposal. However, Human Appeal reserves the right to conduct negotiations and/or request clarifications prior to awarding a contract.

Evaluation and Award: The award will be made to a responsible Bidders whose offer follows the RFQ instructions and meets the source/nationality requirements. The proposal will be evaluated based on its responsiveness to the technical & financial requirements.

Typeof Contract: Human Appeal intends to award a Purchase Order (PO) for this activity. Human Appeal may award the procurement in full or in part to one Bidders, multiple Bidders, or no Bidders

Terms and Conditions: This is a Request for Quotations only. Issuance of this RFQ does not in any way obligate Human Appeal to award a purchase order, nor does it commit Human Appeal to pay for costs incurred in the preparation and submission of a proposal. Human Appeal may award the procurement in full or in part to one Bidders, multiple Bidders, or no Bidders. This solicitation is subject to Human Appeal standard terms and conditions. Any resultant award or purchase order will be governed by these terms and conditions.

Human Appeal reserves the right to cancel the order at no cost if the promised delivery date(s) is/are not met. The Vendor agrees to deliver/perform all supplies/services set forth above and on any continuation sheet(s) attached hereto for the prices specified hereinabove in accordance with the General Terms & Conditions set forth herein.

Technical Specifications/Financial

All bidders/Bidders are requested to provide your quotation against to each option as mentioned below;

OPTION # 1: Financial Proposal Group Health Insurance (Included Parents)

Technical specifications with terms of medical insurance coverage based on standard medical coverage are listed below for submission of competitive price quotations in sealed envelopes by the due date of February 17, 2025.

HUMAN APPEAL
GROUP HEALTH MEDICAL INSURANCE COVERAGE PLANS FOR STAFF AND DEPENDANTS
CENSUS DETAILS/DATA OF GROUP		EMPLOYEES' AND DEPENDANTS' BENEFIT PACKAGE AS BELOW
Employees		88
Spouses		45
Children		110
Parents		120
Total		363
PLEASE QUOTE PREMIUM FOR 2 OPTIONS BELOW
Standard Medical Coverage Benefits listed below:		BENEFIT CEILINGS	QUOTE YOUR PREMIUM HERE
Room charges per day:		12,000
Annual Limit Includes: Total Room Rent, Hospital/Surgical Expenses Per Insured/Person		500,000
Special 50% increase in Limit: (For Hospitalization due to Accidental Injuries)		250,000
Sublimit: Consultation, prescribed Lab Test & Medicines, cover for 30 days before and 60 days after the hospitalization, subject to the availability of the basic hospitalization limit of each insured member including dependents.		ALL COVERED
Day care surgeries and certain specialized investigations in outpatient settings are also covered under the basic hospitalization limit. Examples of day-care surgeries includes Dialysis, cataract surgery, Angiography, stitches due to accidents, etc. Specialized investigations covered are MRIs, CT-Scans, Thallium Scan, Bone-scan & Endoscopy etc.
* Annual Limit for all pregnancy related hospitalization and treatment (All procedure)		90,000.00
* Cesarean Section / Multiple Births (at no extra cost)		150,000.00
Comprehensive extra limit (if required) for example; Dread Diseases/Major Medical Care Expense Benefits per person/per person etc:		100,000.00
Out-Patient Expense Benefit (OPD): on Administrative services only (ASO) Total Annual for OPD limit reimbursable to the entire family		75000.00
IMPORTANT TERMS AND CONDITIONS
1- Payment terms: annual in advance, and pro-rated for additions/deletions based on number of months remaining for coverage period.	3- Maximum eligibility age (as given below) for staff and dependents:
2- Pre-Existing Conditions: disclosed and undisclosed conditions are covered under Hospitalization for the entire group of employees and dependents.	60 years for employees & spouse, 25 years for dependent sons, No age limit for dependent unmarried daughters. 80 years for dependent parents
COMPREHENSIVE DREAD DISEASE EXPENSE BENEFIT COVERAGE
60 years for Employees & Spouse	No age limit for dependent unmarried daughters
25 years for dependent sons	Parents are not covered in the dread disease rider. However, parents are covered in the IPD/OPD.
No waiting period for the coverage of newborn babies
PREMIUM DETAILS IN PKR
QUOTED TOTAL PREMIUM
All Taxes (if applicable)
NET PREMIUM
GENERAL TERMS AND CONDITIONS FOR PROPOSED GROUP HEALTH INSURANCE BENEFITS PACKAGE PLAN FOR HUMAN APPEAL STAFF FOR THE PERIOD March 1, 2021 to Feb 28, 2022
1- The quoted premium should be valid for one complete year and shall be charged by the insurance company on pro-rata basis for new staff enrollments/additions to group life policy and subsequently refunded on pro-rata basis for the employees that may leave the Human Appeal.
2- All existing and pre-existing conditions of our group of employees and their respective dependents shall be covered without submission of health questionnaires as mentioned above. New additions of employees and dependents shall be considered on a case by case basis subject to health questionnaires.

OPTION # 2: Financial Proposal Group Health Insurance (Excluded Parents)

HUMAN APPEAL
GROUP HEALTH MEDICAL INSURANCE COVERAGE PLANS FOR STAFF AND DEPENDANTS
CENSUS DETAILS/DATA OF GROUP	EMPLOYEES' AND DEPENDANTS' BENEFIT PACKAGE AS BELOW
Employees	88
Spouses	45
Children	110
Total	243
PLEASE QUOTE PREMIUM FOR 2 OPTIONS BELOW
Standard Medical Coverage Benefits listed below:	BENEFIT CEILINGS		QUOTE YOUR PREMIUM HERE
Room charges per day:	12,000
Annual Limit Includes: Total Room Rent, Hospital/Surgical Expenses Per Insured/Person	500,000
Special 50% increase in Limit Per Confinement: (For Hospitalization due to Accidental Injuries)	250,000
Sublimit: Consultation, prescribed Lab Test & Medicines, cover for 30 days before and 60 days after the hospitalization, subject to the availability of the basic hospitalization limit of each insured member including dependents.	ALL COVERED
Day care surgeries and certain specialized investigations in outpatient settings are also covered under the basic hospitalization limit. Examples of day-care surgeries includes Dialysis, cataract surgery, Angiography, stitches due to accidents, etc. Specialized investigations covered are MRIs, CT-Scans, Thallium Scan, Bone-scan & Endoscopy, cancer, etc.
* Annual Limit for all pregnancy related hospitalization and treatment (All procedure)	90,000
* Complicated delivery included Cesarean Section / Multiple Births (at no extra cost) etc.	150,000
Comprehensive extra limit (if required) for example; Dread Diseases/Major Medical Care Expense Benefits per person/per person etc:	100,000
Out-Patient Expense Benefit (OPD): on Administrative services only (ASO) Total Annual for OPD limit reimbursable to the entire family	75,000
IMPORTANT TERMS AND CONDITIONS
1- Payment terms: annual in advance, and pro-rated for additions/deletions based on number of months remaining for coverage period.		3- Maximum eligibility age (as given below) for staff and dependents:
2- Pre-Existing Conditions: disclosed and undisclosed conditions are covered under Hospitalization for the entire group of employees and dependents.		60 years for employees & spouse, 25 years for dependent sons, No age limit for dependent unmarried daughters.
COMPREHENSIVE DREAD DISEASE EXPENSE BENEFIT COVERAGE
60 years for Employees & Spouse		No age limit for dependent unmarried daughters
25 years for dependent sons
No waiting period for the coverage of newborn babies.
PREMIUM DETAILS IN PKR
QUOTED TOTAL PREMIUM
All Taxes (if applicable)
NET PREMIUM
GENERAL TERMS AND CONDITIONS FOR PROPOSED GROUP HEALTH INSURANCE BENEFITS PACKAGE PLAN FOR HUMAN APPEAL STAFF FOR THE PERIOD March 1, 2021 to Feb 28, 2022
1- The quoted premium should be valid for one complete year and shall be charged by the insurance company on pro-rata basis for new staff enrollments/additions to group life policy and subsequently refunded on pro-rata basis for the employees that may leave the Human Appeal.
2- All existing and pre-existing conditions of our group of employees and their respective dependents shall be covered without submission of health questionnaires as mentioned above. New additions of employees and dependents shall be considered on a case by case basis subject to health questionnaires.

OPTION # 3: Financial Proposal Group Life Insurance

For coverage of our current group of employees (45 in numbers) for one complete year.

Coverage for Group Life Insurance for Creative Associates PRP Staff	Sum Insured (PKR)	Premium On Unit/Person (PKR)	Total Premium quoted (PKR)
Natural Death cover/Life	2,500,000	0	0
Accidental Death cover/Life	5,000,000	0	0
On Permanent Total Disability/Life to be proposed by Insurance Co.		0	0
On Permanent Partial Disability/Life to be proposed by Insurance Co.		0	0
On Temporary Total Disability/Life to be proposed by Insurance Co		0	0
Permanent Total Disability (Natural)/Life to be proposed by Insurance Co.		0	0
On Diagnosis of Terminal Illness/Life to be proposed by Insurance Co.		0	0

PREMIUM DETAILS IN PKR
QUOTED TOTAL PREMIUM
All Taxes (if applicable)
NET PREMIUM

OPTION # 4: Financial Proposal Group Health Insurance (Only for Parents)

HUMAN APPEAL
GROUP HEALTH MEDICAL INSURANCE COVERAGE PLANS FOR PARENTS ONLY
CENSUS DETAILS/DATA OF GROUP	PARENTS BENEFIT PACKAGE AS BELOW
Parents	120
Total	120
PLEASE QUOTE PREMIUM FOR THE OPTIONS BELOW
Standard Medical Coverage Benefits are listed below:	BENEFIT CEILINGS	QUOTE YOUR PREMIUM HERE
Room charges per day:	12,000
Limit Per Confinement Includes: Total Room Rent, Hospital/Surgical Expenses Per Insured/Person	250,000
Comprehensive extra limit (if required) for example; Dread Diseases/Major Medical Care Expense Benefits per person/per person etc:	100,000
Sublimit: Consultation, prescribed Lab Test & Medicines, cover for 30 days before and 60 days after the hospitalization, subject to the availability of the basic hospitalization limit of each insured member including dependents.			ALL COVERED AS BELOW
Day care surgeries and certain specialized investigations in outpatient settings are also covered under the basic hospitalization limit. Examples of day-care surgeries includes Dialysis, cataract surgery, Angiography, stitches due to accidents, etc. Specialized investigations covered are MRIs, CT-Scans, Thallium Scan, Bone-scan & Endoscopy etc.
IMPORTANT TERMS AND CONDITIONS
1- Payment terms: annual in advance, and pro-rated for additions/deletions based on number of months remaining for coverage period.
2- Pre-Existing Conditions: disclosed and undisclosed conditions are covered under Hospitalization for the entire group of employees and dependents.
PREMIUM DETAILS IN PKR
QUOTED TOTAL PREMIUM
All Taxes (if applicable)
NET PREMIUM

4. Age Groups Details of Staff and Dependents:

Male : 119 ( Employee, Spouse, Kids )
Females : 124 ( Employee, Spouse, Kids )
Fathers : 51
Mothers : 69

Age Groups: ( Employee, Spouse, Kids )

0 – 10 : 73
11-20 : 34
21-30 : 45
31 – 40 : 58
41 – 50 : 29
51 – 60 : 4

Parents Age Group :

30 – 60 : 59
61 – 80 : 61

Apply By:

Submission Deadline:

Proposals must be received no later than 14:00 hours on Monday, February 17, 2025, in a sealed envelope clearly marked as “Offer for Group Life & Medical Insurance”

How to apply :

Interested Individuals, companies, firms, and organizations are requested to download the RFQ document from the Human Appeal website via this link: https://humanappeal.org.pk/work/tender.php and submit your proposal sealed envelope to the Address :

Operations Manager

Human Appeal

Human Appeal, House 4-4, Street 11,
Chak Shahzad Farms, Islamabad, Pakistan.

Proposals received after this date or time will be considered late and will be at the discretion of Human Appeal.

Note: Ensure that each page is stamped and signed before submitting the offer/quotation.

Name of Organization: ______________________________________

Name:__________________________ Title:____________________________

(Authorized person for signing Offer/Contract)

Signature/and Stamp Date

Focal Person’s Detail:

Name:_________________________

Title:___________________________

Cell/Ph No.:_____________________

E-mail ID:_______________________