Request for Quotation (RFQ) for Health Insurance Cover for Tearfund Nigeria Staff
Date of Request for Quotation: 29/09/2025
Deadline for Submission of Quotation/Proposal: 05/10/2025
Details of contact at Tearfund:
Name: ● Rosemary Ikenna-Nwahiri ● Hakeem Ademosu
Email address: [email protected], [email protected]
Phone number:
Quotes should be submitted by email to [email protected] and copy [email protected]
Any contract formed with a consultant/freelancer will be based on Tearfund’s standard terms and conditions.
Overview
Title: Health Insurance Cover for all Tearfund Nigeria Staff
Summary
Tearfund Nigeria requires comprehensive Health Insurance coverage for all staff and dependents for the period 21st October 2025 – 20th October 2026.
The HMO will provide premium health insurance packages covering individuals, families, and single-parent staff across Nigeria and selected international locations. Coverage must ensure access to quality healthcare, protection against medical costs, and compliance with the outlined scope of services.
Location and region: All States in Nigeria, including some foreign countries
PLAN SUMMARY – HEALTH INSURANCE POLICY RENEWAL
Start Date: 21 October 2025
End Date: 20 October 2026
Plan Level/Type: Platinum Customized Gold
Estimated Total Number of Staff: 35
A. Scope of Services
Minimum Employee Benefit Required for Premium Health Insurance
- EMERGENCY CARE:
i. Initial stabilisation and care
ii. Intensive care if required - EVACUATION: ACCIDENTS & EMERGENCIES
i. from site of injury to hospital
ii. from hospital to hospital, this is one by road ambulance - INTENSIVE CARE:
i. Intensive care unit (ICU) - OUTPATIENT COMPONENT:
i. Outpatient Care & General Consultations
ii. Specialist consultations (Nephrologist, Urologist, Endocrinologist, etc)
iii. Provision of prescribed drugs and medications
iv. X-Rays, Laboratory and Diagnostic investigations
v. Chronic condition management
vi. Primary Eye Care – Consultation, Examination, Simple or Primary infection or conditions and Medications
vii. ENT Services
viii. Advanced & Complex Investigations (incl. CT Scan, MRI Scan) - INPATIENT COMPONENT:
i. Accommodation and feeding for duration of admission (Private ward)
ii. Accommodation for parents whose infants are on admission
iii. Provision of medical care, nursing care, and prescribed medication and consumables during the duration of admission
iv. X-Rays, Laboratory & Diagnostic Tests
v. Physiotherapy Sessions (Up to approved limits)
vi. Intensive Care Services
vii. Advanced & Complex Investigations (CT Scan or MRI Scan) - OBSTETRICS AND GYNAECOLOGY ANTENATAL CARE AND DELIVERY
i. Antenatal Care, Delivery & Postnatal care (12 months moratorium applies)
ii. Induction of labor
iii. Normal delivery
iv. Assisted delivery
v. Epi Dural Anesthesia
vi. Antenatal procedures including Shirodkar’s operation
vii. Caesarean section
viii. Management of pregnancy complications
ix. Post-natal care including RHOGAM injection
x. Family planning services
xi. Fertility Services (Investigation Only) - FAMILY PLANNING SERVICES – Pills, Injectables, Copper IUCD, Tubal ligation, Norplant, Mirena and Vasectomy (including Norplant or Implanon).
- FERTILITY SERVICES – Counselling, Ultrasound scan, Seminal fluid analysis, HSG, Hormonal Assay, Follicle stimulating Hormone (FSH), Hysteroscopy TSH, T3 & T4.
- MINOR, INTERMEDIATE, MAJOR SURGERIES and PROCEDURES
- Minor: wound dressing, suturing, incision, drainage, ENT procedures, anesthesia, blood transfusion.
- Intermediate/Major: debridement, lump excision, hernia, appendectomy, fractures, hemorrhoids, endoscopy, ectopic pregnancy surgery, myomectomy, orthopedic, hysterectomy, thyroidectomy, open reduction, transplant surgeries, etc.
- PHYSIOTHERAPY
i. Physiotherapy services
ii. Prescribed physiotherapeutic appliances (collar, crutches, etc.)
iii. Infra-Red Therapy - RENAL DIALYSIS – 10 sessions
- DIAGNOSTIC SERVICES
- Radiology: X-rays, contrast studies, ultrasound
- Laboratory: histopathology, hematology, microbiology, serology, chemistry
- Advanced: ECG, EEG, Echocardiography, MRI, CT, Doppler, etc.
- NEONATAL/PAEDIATRIC CARE
- Special baby care, treatment of childhood diseases, immunisations (routine and additional), circumcision, blood transfusion.
- ADULT IMMUNIZATION – Yellow Fever, Meningitis, Typhoid, Prostate cancer vaccine, Hepatitis B.
- DENTAL CARE – Basic (examination, fillings, scaling, extractions) and Secondary (surgical extractions, root canal, orthodontics).
- EYE CARE/OPHTHALMOLOGICAL SERVICES – Consultation, exams, infections, tonometry, annual lenses/frames.
- OTOLARYNGOLOGICAL (ENT) SERVICES – Treatment and surgeries.
- MENTAL HEALTH SERVICES – Counselling, outpatient consultation, psychiatry.
- HIV/AIDS CARE AND TREATMENT – Counselling, assessment, monitoring, drugs.
- SELECTIVE HEALTH SCREENING (Yearly for enrollee & spouse) – Full physicals, labs, cancer screening, ECG, mammogram, cervical smears, prostate tests.
- CANCER CARE – Surgery, radiotherapy, chemotherapy, investigations.
B. Other Complimentary Benefits
Includes: Gym/Spa, lifestyle programs, wellness fairs, mortuary services, life & disability benefits, personal accident benefit, travel insurance, healthy food discounts, overseas treatment, doctor-on-call, sleep therapy, roaming, equipment for chronic conditions, hospitalisation abroad (UK, France, Germany, Dubai), second opinions, congenital anomaly treatment, reimbursement for delivery abroad, employee assistance, emergency evacuation (air ambulance), home vaccination, etc.
C. HMO Qualification Requirements
- Must be NHIA licensed.
- Proven NGO/international insurance experience.
- Wide hospital network in Nigeria & abroad.
- Capacity for full service scope.
- Strong customer care & claims system.
- Cover full listed services.
D. What to Submit as Part of Quotation
- Company profile & registration documents.
- NHIA accreditation.
- Proposal with: service description, premium breakdown, hospital list, value-added services.
- Evidence of 3 years’ similar contracts.
- Risk assessment & mitigation.
- 3 references.
- Confirmation of service delivery start (21 Oct 2025).
- Budget including all taxes/WHT.
Submission Instructions
All proposals should be sent to [email protected] and copy [email protected] by 5th October, 2025.
Subject line: “RFQ – Health Insurance Cover for Tearfund Nigeria Staff”
