Request for Quotation – Medical Insurance/Accidental Insurance and Non-life Insurance

Habitat for Humanity International Nepal- Request for

Quotation (RFQ) for Insurance Services

RFQ launch date: 10 November 2025

Deadline for quotation submission: 23 November 2025

RFQ for Insurance Services: Medical Insurance, Group Personal Accident Insurance, Non-life Insurance.

Interested and eligible national insurance companies are required to submit a quotation for Insurance Services.

Section A. Medical Insurance for Staff and Dependents.

The insurance company should provide the premium cost according to the detailed mentions in the link below:

Medical Insurance RFQ

Please provide premium options for medical insurance of 3 Lakh, with scale of benefits.

The Medical Insurance will cover staff, spouse with two children up to 21 years and parents up to 70 years.

Section B. Group Personal Accident Insurance for staff up to NPR 25,00,000.00 (NPR 25 Lakh). only for approximately 50 staff.

Section C. Other non-life insurance (vehicle insurance, property, electronic equipment, burglary, fire etc.)

Expected deliverables from the Insurance Company:

1. The medical claim documents will be accepted at least 60 days from the date of invoice. 
2. The insurance company will provide reimbursement within 30 days of submission of claim documents. 
3. The insurance company will provide reimbursement summery sheet e-copy.
4. No age bar of staff and staff spouse will be applicable for insurance coverage until retirement age. 
5. The maximum age bar for the parents’ insurance coverage will be 70 years.
6. The medical insurance claim reimbursement is 100% of the claim amount (there should be no deductibles in the claims).
7. Newborn baby will be insured right after the birth, upon notification.
8. The maximum age for children insurance is 21 years.
9. The insurance company will reimburse the claim amount directly to the bank accounts of the individual staff members.
10. Staff who wish to enroll their children above 21 years and parents within the given age limit will do so and the insurance company with accept their enrollment.
11. The insurance company will provide a focal person as the point of contact to deal directly with Habitat Nepal.
12. The company will provide the list of hospitals and clinics with whom they have agreements for cashless medical claim settlement.
13. The insurance company must agree adherence to Habitat Nepal’s ethical protocols, code of conduct including Safeguarding Policy.
14. Cover chronic diseases like diabetes, hypertension, thyroid etc. including medicine.

Information from Habitat Nepal:

1. Habitat Nepal will send the claims to the insurance company every 15 days.
2. Will provide the name list, age of staff, spouse, children and parents.
3. Will provide the bank details of staff for the direct transfer of insurance claims to their account.
4. The initial agreement with the selected insurance company will be for one year subject to extension on satisfactory service delivery by the company.
5. Habitat Nepal will provide an advance deposit of NPR 100,000.00 (NPR 1 Lakh) for the insurance benefits of new staff who join the organization.
6. Provide list of office assets for non-life insurance.
7. Section A, B and C (GMI. GPA and Other non-life insurance) will be considered as one package for vendor selection. The Assets value is NPR 15,000,000.00 approx.
8. Habitat for Humanity Nepal reserves all the right to accept or reject one or all RFQ proposals without assigning any reason whatsoever with its sole discretion.

Submission of RFQ and deadline:

Interested insurance companies are requested to submit their quotation for insurance services.

In the RFQ submission subject line mention- “RFQ for Insurance Services”.

For the Medical Insurance mention, the detailed breakdown, scale of benefits in the Medical Insurance RFQ.

All company legal documents and RFQs are to be submitted through email at: procurement@habitatnepal.org

The deadline for submission of proposal is 23 November 2025