RFP – Provision Of Medical Insurance For SNV Staff – Zambia   

Job description

REQUEST FOR PROPOSAL FOR PROVISION OF MEDICAL INSURANCE FOR SNV NETHERLANDS DEVELOPMENT ORGANISATION’S STAFF-ZAMBIA   

Background Information: 

SNV is a global development partner, deeply rooted in the countries where we operate. Driven by a vision of a better world where all people live with dignity and have equitable opportunities to thrive sustainably, SNV strengthens capacities and catalyses partnerships that transform agri-food, energy, and water systems. We help strengthen institutions and effective governance, reduce gender inequalities and barriers to social inclusion and enable adaptation and mitigation to the climate and biodiversity crises. With 60 years of experience and a team of approximately 1,600 people, we support our partners in more than 20 countries in Africa and Asia, tailoring our approaches to different contexts to achieve large-scale impact and create more equitable lives for all. Our core values of people-centeredness and respect, equity and equality, and diversity and inclusion, are fundamental to who we are, and what we do. This is reflected in our vision and mission, and strategy, which sets out our aspirations and commitments as our compass towards 2030.

SNV has worked in Zambia since the 1965 with country office in Lusaka, currently we have field offices in Kasama, Solwezi, Chipata, Choma, Kabwe,  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 (Managed Funds ) from 1st January 2026 to 31st December 2027. The supplier should be able to provide medical insurance for our staff members who are in Kasama, Solwezi, Chipata, Choma, Kabwe and Kasama. 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 – Managed Funds

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

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. 

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. 

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. 

Annual Medical Check Up 

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

Providing service agreement to cover SNV Zambia for 24 months (2 years) 

The selected company should be willing to provide service agreement of covering SNV Zambia for 24 months, based on annual renewal with possibility of terms and conditions changes. 

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 

Benefit coverage 

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 business 

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 systems 

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: 

Health insurance benefit requested 

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: 

Inpatient benefit  

Outpatient benefit  

Provider coverage  

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

General conditions  

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. 

Due date for submission 21 November 2025. The proposals that come after the time will not be accepted. Submissions should be sent to zambiaprocurement@snv.org  New policy cover will need to be in place by 1st January 2026. Short-listed bidders may be invited to make presentations to the evaluation team.