Website WWF ZAMBIA COUNTRY OFFICE
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All around the world, people are waking up to the deepening crisis of nature loss. A growing realization that nature is our life-support system and that nobody will be spared from the impacts of its loss. Here at WWF, we are helping to tackle this enormous global challenge.
Our people come from hugely diverse backgrounds and with a variety of expertise, ranging from HR and finance to advocacy and conservation science. We welcome applications from anyone who believes they can help us create a better future for people and wildlife.
What we do
We are an independent conservation organization, striving to sustain the natural world for the benefit of people and wildlife. From individuals and communities to business and government, we are part of a growing coalition calling on world leaders to set nature on the path to recovery by 2030. Together, we seek to protect and restore natural habitats, stop the mass extinction of wildlife, and make the way we produce and consume sustainable.
World Wide Fund for Nature (WWF) invites qualified insurance providers or brokers to submit proposals for the provision of staff insurance policies across selected countries in East and Southern Africa (ESA), namely Mozambique, Madagascar, Uganda, Tanzania, Zambia, and Zimbabwe.
This initiative forms part of a regional harmonization effort aimed at strengthening, standardizing, and improving the quality of staff insurance coverage across WWF offices in the region.
1. Context and justification
WWF provides staff with core benefits in line with its Compensation and Benefits policies, including but not limited to health insurance coverage.
Under WWF’s policy framework, staff are entitled to insurance coverage for accidents and illness, including access to medical and hospital care, as well as protection against risks such as temporary incapacity, permanent disability, and death in service.
Given WWF’s multi-country operational presence in East and Southern Africa (ESA), and the diversity of existing local insurance arrangements, there is a need to harmonize and strengthen the provision of insurance services across the region.
This initiative aims to establish a coordinated and efficient insurance framework with a qualified provider, capable of delivering consistent and reliable coverage across the ESA countries, while allowing for country-level flexibility in coverage design and financial contributions.
2. Objectives
The objectives of this assignment are to:
· Harmonize staff insurance frameworks across ESA countries under a coordinated
regional approach
· Ensure minimum coverage standards aligned with WWF global policies
· Improve the quality and accessibility of insurance services, particularly for field-based
staff
· Strengthen healthcare provider networks, including access in remote and rural areas
· Introduce flexibility mechanisms to accommodate country-specific needs and contexts
· Provide options for staff to extend coverage to eligible dependents at their own cost
· Enhance administrative efficiency through streamlined processes and improved
coordination
3. Scope of services
This assignment covers the provision of comprehensive staff insurance services across the selected ESA countries.
The insurance package shall include, but not limited to:
3.1 Health Insurance (Staff and Eligible Dependents)
Coverage of medical expenses for staff and their eligible dependents, including but not limited to:
· consultations and other outpatient care
· surgery and other Inpatient care
· pharmaceutical expenses
· maternity care
· dental
· optical
· chronic diseases
3.2 Individual Accident Insurance (Staff Only)
Coverage for risks related to accidents, including:
· accidental death
· temporary or permanent disability caused by an accident
3.3 Health Coverage Abroad (Staff – frequent travellers)
International medical coverage for staff travelling outside their duty country,
including:
· emergency medical treatment
· hospitalization
· medical evacuation where necessary
3.4 Funeral Expenses (Staff and Eligible Nuclear Family Members)
Coverage of funeral-related expenses in the event of death of:
· employee
· an eligible member of the nuclear family: spouse, children up to 21 years old.
4. Key Specifications
· The insurance solution must operate under a regional framework, with possibility for
country-level adjustments when justified.
· The provider must demonstrate the ability to adapt coverage and pricing to country-
specific parameters, including staff population, coverage levels, and budget considerations
· The provider must ensure consistent service delivery across all countries
· The provider must demonstrate operational presence directly or through authorized
partners in all six (6) countries namely Mozambique, Madagascar, Uganda, Tanzania, Zambia, and Zimbabwe.
· The provider must ensure access to a reliable healthcare provider network, including
in remote and field locations.
· The provider must demonstrate efficient claims management, with reimbursement
timelines aligned with WWF expectations (≤ 15 calendar days preferred)
· Country statistics
MADAGASCAR
No. employees – 237
No. Employees frequent travellers (Coverage abroad) – 69
No. Spouses – 180
No. Dependents (Less than 21 Years Old) – 340
MOZAMBIQUE
No. employees – 62
No. Employees frequent travellers (Coverage abroad) – 20
No. Spouses – 32
No. Dependents (Less than 21 Years Old) – 70
TANZANIA
No. employees – 109
No. Employees frequent travellers (Coverage abroad) – 70
No. Spouses – 73
No. Dependents (Less than 21 Years Old) – 200
UGANDA
No. employees – 62
No. Employees frequent travellers (Coverage abroad) – 20
No. Spouses – 47
No. Dependents (Less than 21 Years Old) – 157
ZAMBIA
No. employees – 54
No. Employees frequent travellers (Coverage abroad) – 40
No. Spouses – 35
No. Dependents (Less than 21 Years Old) – 106
ZIMBABWE
No. employees – 18
No. Employees frequent travellers (Coverage abroad) – 11
No. Spouses – 10
No. Dependents (Less than 21 Years Old) – 18
5. Technical Proposal Requirements
Bidders are required to submit a comprehensive technical proposal demonstrating their capacity to deliver the requested insurance services across the selected ESA countries.
The technical proposal must be clear, structured, and aligned with the requirements outlined in this Call for Tender.
5.1 Company Profile and Experience
Bidders shall provide:
· Company overview (legal status, ownership, years of operation)
· Proof of licensing and authorization to operate in the insurance sector
· Demonstration of operational presence directly or through partners in the six (6)
target countries namely Mozambique, Madagascar, Uganda, Tanzania, Zambia, and Zimbabwe.
· Experience in delivering similar insurance services, preferably in multi-country or
NGO/international organization contexts
· References from at least three (3) similar assignments
5.2 Proposed Service Delivery Model
Bidders shall describe:
· How services will be delivered across the ESA region
· Coordination between regional and country-level operations
· Local representation or partner arrangements in each country
· Customer support structure (including focal points and communication channels)
5.3 Coverage Proposal
Bidders shall provide a detailed description of the proposed coverage, including:
· Health insurance (staff and eligible dependents)
· Individual accident insurance (staff only)
· Health coverage abroad (travellers)
· Funeral expenses (staff and eligible nuclear family members)
The proposal must clearly specify:
· coverage limits
· reimbursement rates
· exclusions
· optional benefits or extensions
5.4 Healthcare Provider Network
Bidders shall provide:
· A list or description of partner healthcare providers (hospitals, clinics, pharmacies)
· Geographic coverage, including remote and field locations
· Approach to expanding the network where gaps exist
· Mechanisms for ensuring quality of care
5.5 Claims Management and Service Delivery
Bidders shall describe:
· The claims submission and processing procedure (step-by-step)
· Required documentation
· Average reimbursement timelines (expected ≤ 15 calendar days)
· Digital tools or platforms available for claims submission and tracking
· Customer support mechanisms for claims follow-up
5.6 Country-Level Adaptability
Bidders shall demonstrate their ability to:
· Adapt insurance solutions to different country contexts
· Handle variations in:
o staff population
o coverage levels (%)
o budget constraints
· Provide flexible and scalable solutions under a unified regional framework
5.7 Implementation and Transition Plan
Bidders shall provide:
· A proposed implementation timeline
· Approach to onboarding countries
· Transition plan from existing insurance providers (if applicable)
· Staff enrolment process
· Communication and awareness plan for staff
5.8 Compliance and Risk Management
Bidders shall demonstrate:
· Compliance with applicable insurance regulations in each country
· Risk management mechanisms
· Reinsurance arrangements (if applicable)
· Measures to ensure continuity of service
5.9 Added Value and Innovation (Optional)
Bidders may include:
· Digital solutions (mobile apps, online platforms, dashboards)
· Preventive health programs or wellness initiatives
· Value-added services improving user experience
6. Financial Proposal Requirements
Bidders are required to submit a separate Financial Proposal, clearly detailing the cost structure of the proposed insurance services.
❖ Important:
The Financial Proposal must be submitted as a separate document from the Technical
Proposal and must not be included in the same file.
6.1 Country-Specific Pricing Requirement
Given the differences in cost of living, healthcare systems, and market conditions across the ESA region, bidders are required to provide separate pricing for each country. Pricing must:
· Be presented on a per-country basis
· Reflect local market conditions and healthcare costs
· Be aligned with the proposed level of coverage
❖ A single consolidated regional price will not be accepted.
6.2 Premium Structure
Bidders shall provide a detailed premium structure including:
· Premium per staff (annual)
· Total premium per country (annual)
· Assumptions used for pricing (e.g. staff population, coverage level)
Mandatory Financial Table
MADAGASCAR
Est. | Coverage | Premium | Total | Currency | Assumption
Staff Level Per staff Premium
237 100% ______ _______ _______ __________
MOZAMBIQUE
Est. | Coverage | Premium | Total | Currency | Assumption
Staff Level Per staff Premium
62 100% ______ _______ _______ __________
TANZANIA
Est. | Coverage | Premium | Total | Currency | Assumption
Staff Level Per staff Premium
109 100% ______ _______ _______ __________
UGANDA
Est. | Coverage | Premium | Total | Currency | Assumption
Staff Level Per staff Premium
62 100% ______ _______ _______ __________
ZAMBIA
Est. | Coverage | Premium | Total | Currency | Assumption
Staff Level Per staff Premium
54 | 100% | ______ | _______ | _______ | __________
ZIMBABWE
Est. | Coverage | Premium | Total | Currency | Assumption
Staff Level Per staff Premium
18 |100% ______ _______ _______ __________
6.3 Coverage Cost Breakdown
Bidders shall indicate whether each coverage component is:
· included in the base premium
· optional (with additional cost)
Breakdown Table
Coverage | Included | Cost | Optional cost | Notes
type (Yes/No) Included (if Any)
Health Insurance ____________ ________ _________ _______
Individual Accident ____________ ________ _________ _______
Health Abroad ____________ ________ _________ _______
Funeral Expenses ____________ ________ _________ _______
6.4 Additional Cost Information
Bidders shall provide:
· Any administrative fees or additional charges
· Cost of optional services or upgrades
· Pricing assumptions and methodology
· Any discounts or cost optimization options
6.5 Financial Transparency
Bidders are expected to provide clear, transparent, and detailed pricing,
enabling WWF
to:
· compare offers across countries
· assess value for money
· understand cost drivers
7. Evaluation Criteria and Methodology
Proposals will be evaluated based on a two-stage process, combining technical and financial assessments.
7.1 Evaluation Process
The evaluation will be conducted as follows:
· Administrative Compliance Check
Verification that all required documents have been submitted and are complete.
· Technical Evaluation
Assessment of the quality and relevance of the technical proposal.
· Financial Evaluation
Assessment of the financial proposal for bidders who meet the minimum technical
threshold.
7.2 Technical Evaluation (70 Points)
The technical proposal will be evaluated based on the following criteria:
CRITERIA 1
Company Experience and Presence
DESCRIPTION
Experience in multi country insurance and presence in the 6 ESA Countries
SCORE
10
CRITERIA 2
Service Delivery Model
DESCRIPTION
Clarity and effectiveness of the regional and country level service approach
SCORE
10
CRITERIA 3
Coverage Proposal
DESCRIPTION
Completeness, Clarity and relevance of the proposed benefits
SCORE
15
CRITERIA 4
Healthcare provider Network
DESCRIPTION
Strength, accessibility and coverage (Including remote areas
SCORE
10
CRITERIA 5
Claims Management
DESCRIPTION
Efficiency, timeliness and use of digital tools
SCORE
10
CRITERIA 6
Implementation plan
DESCRIPTION
Feasibility of onboarding, transition and communication approach
SCORE
5
CRITERIA 7
Compliance and Risk Management
DESCRIPTION
Regulatory compliance and risk mitigation measures
SCORE
5
CRITERIA 8
Added Value / Innovation
DESCRIPTION
Additional services and innovative solutions
SCORE
5
Total Technical Score: 70 Points
7.3 Minimum Technical Threshold
Only bidders scoring at least 70% of the technical score (i.e. 49/70) will be considered
for financial evaluation.
7.4 Financial Evaluation (30 Points)
The financial proposal will be evaluated based on:
CRITERIA 1
Cost Competitiveness
DESCRIPTION
Overall Premium levels across countries
SCORE
15
CRITERIA 2
Clarity, Transparency and country-level breakdown
SCORE
10
CRITERIA 3
Value for Money
DESCRIPTION
Alignment between cost and coverage
SCORE
5
Total Financial Score: 30 Points
7.5 Final Score Calculation
The final score will be calculated as follows:
Final Score = Technical Score (70%) + Financial Score (30%)
The bidder with the highest overall score will be considered for contract award, subject
to final validation.
8. Submission Modalities
Interested bidders are invited to submit their proposals in accordance with the requirements outlined in this Call for Tender.
– Bidders must submit a Technical Proposal prepared in line with Section 5 and
a Financial Proposal prepared in line with Section 6.
– The Technical and Financial Proposals must be submitted as separate
documents.
Proposals shall be submitted electronically via email to recruitafrica@wwfint.org no later than May 31, 2026 Late submissions will not be considered. Please note that only shortlisted bidders will be contacted for the next steps of the process.
To apply for this job email your details to recruitafrica@wwfint.org