ABOUT PLAN INTERNATIONAL
Plan International is a rights-based development and humanitarian organization working for better lives for all children. We are independent of government and have no political or religious affiliation. Our purpose is to strive for a just world that advances children’s rights and equality for girls. We have been building powerful partnerships for children for more than 80 years and are now active globally in more than 75 countries.
We work alongside children, young people, our supporters and partners to tackle the root causes of the challenges facing girls and all vulnerable children. We support children’s rights from birth until they reach adulthood and enable children to prepare for and respond to crises and adversity as we strive to advance children’s rights and equality for girls all over the world. As We drive changes in practice and policy at local, national and global levels using our reach, experience and knowledge.
Plan International has worked in Zambia since 1996 and currently working in over 46 communities. It has its Country Office in Lusaka and Program Area Offices (PAs) in Central, Luapula and Eastern Provinces. The organization is guided by a Country Strategy (CS) 2022 – 2026, which outlines Plan International Zambia’s programmatic ambitions with a specific focus on SOYEE, IQE, SRHR and ECD. Gender, child protection, influencing, and climate change remain cross cutting issues. The CS has a specific focus vulnerable and excluded children particularly adolescent girls, as they are often the most marginalized and most often left behind.
It is against this background that the Plan International Zambia is soliciting quotations for medical insurance scheme/cover, Group Life Assurance (GLA) and Group Personnel Accident (GPA) for members of staff for a period of one (1) year Offerors MUST quote for each complete component. Plan International Zambia reserves the right to award the services to 3 different vendors for the 3 categories advertised
1. MEDICAL INSURANCE SCHEME/COVER
Benefits must be per insured life per annum. The medical insurance cover will run for an initial period of 1 year i.e. from 1st September 2026 to 31st August 2027. Thereafter, the contract may be renewed annually for a period not exceeding 3 years and subject to satisfactory performance. Number of primary staff is 93, spouses 59 and children: 197. Total Number of lives: 349.
Area of cover: ZAMBIA
Area of cover (Evacuations): Local
Overall Annual Limit: ZMW 100,000
Inpatient Benefits
Subject to Overall Limit, Accommodation, specialists, physicians, theatre, ward, and medicine costs ZMW 3,600 per day for private ward Subject to Overall Limit
Prescribed drugs (take-out): Subject to Outpatient Limit
Emergency ambulance services: Subject to Overall Limit
Intensive care: Subject to Overall Limit
Psychiatric hospitalization: ZMW 20,000. part of Overall Limit
Internal medical appliances: Subject to Overall Limit
External medical appliances: Subject to Overall Limit
MRIs / CT scans: One per body region per annum subject to Overall Limit
Outpatient Benefits
Overall Outpatient Limit: ZMW 15,000
Psychosocial Counselling (therapy sessions and treatment): ZMW 15 000 pulled from Overall Limit
Consultations and specialist: Subject to Outpatient Limit
Prescribed medication: Subject to OPL
Diagnostic tests: Subject to OPL
Pathology and basic radiology: Subject to OPL
Non-surgical procedures: Subject to OPL
Auxiliary services such as physiotherapy, chiropractic's and s speech therapy : Subject to OPL
Chronic Conditions Benefit: Subject to Outpatient Limit
Chronic Medication: Subject to Outpatient Limit
Chronic condition consultations: Subject to registration on chronic disease management programme
Basic Dentistry: ZMW 3 500
Emergency/ Specialized Dental: ZMW 10 000
Optical benefits: I x eye test per insured person per year.Frames and lenses (including contact lenses) every 2 years -ZMW 3 500
Other Benefits
Covid treatment and testing: ZMW 30 000
HIV/AIDS: Subject to Overall Limit
Maternity
Maternity Benefits: Subject to Overall Limit
Inpatient: Subject to Overall Limit
Outpatient and Ante-natal: Subject to Outpatient Limit
Complications: Subject to Overall Limit
Neo-Natal care : Subject to Inpatient Limit up to 14 days from date of birth
Birth defects and congenital abnormalities: Subject to Inpatient up to a limit of 20,000
Preauthorization required
Major Disease Benefits
Organ transplant: Subject to Overall Limit
Cancer treatment: Subject to registration on oncology management programme
Kidney dialysis: Subject to Overall Limit
Bereavement Benefits
Member: ZMW 15 000
Spouse: ZMW 10 000
Child: ZMW 8 000
Limits for all categories must be clearly indicated and details on proration of benefits for staff joining the scheme in the life of the contract to be provided.
Only providers of the medical insurance cover must submit proposals for the medical health insurance. Brokers will not be considered.
2. GROUP LIFE ASSURANCE (GLA)
The GLA cover will run for an initial period of 1 year i.e. from 1st September 2026 to 31st August 2027. Thereafter, the contract may be renewed annually for a period not exceeding 3 years and subject to satisfactory performance. Number of primary staff is 93. Insurers should consider 1 month annual gross salary. The total annual wage bill will be shared at the request of the insurer.
The proposal must include:
· Cost Proposal
· Technical Proposal
· Limits of liability/person
· Rate
· Funeral benefits
· Commuter benefits
· Replacement benefits
· Period of cover - 1 year
Only providers of GLA cover must submit proposals for the GLA. Brokers will not be considered.
3. GROUP PERSONNEL ACCIDENT (GPA)
The GPA cover will run for an initial period of 1 year i.e. from 1st September 2026 to 31st August 2027. Thereafter, the contract may be renewed annually for a period not exceeding 3 years and subject to satisfactory performance. Number of primary staff is 93. Insurers should consider 1 month annual gross salary. The total annual wage bill will be shared at the request of the insurer.
· Cost Proposal
· Technical Proposal
· Limits of liability/person
· Rate
· Funeral benefits
· Commuter benefits
· Replacement benefits
· Period of cover - 1 year
Only providers of the GPA cover must submit proposals for the GPA. Brokers will not be considered.
Technical Proposals
A concise technical proposal on how the Offeror will carry out the activity to include the following:
· Detailed product description for each item quoted.
· A product brochure, or catalog for each product would be preferred.
· Availability and estimated delivery time.
· Detailed description of services provided.
· At least 3 past performance references for the last three years, including the name of organization, name of contact, address, telephone number, and email for organization, ZMW amount of contract for each reference.
· Current list of health care providers (for Medical insurance)
· A description of the Offeror’s capability and experience in undertaking this task together with copies of supporting documentation including:
- Certificate of Registration for the Organization
- Audited Financial statements for the past 3 years
- Tax Clearance Certificate
- Pensions and Insurance Association of Zambia (PIAZ)
ii) Cost Proposal
· The Offeror should submit their most competitive price proposal.
· All costs must be stated in Zambian Kwacha (ZMW) only.
Other Requirements
· Plan International is exempt from VAT and should not be quoted in the total price.
· Quotations must include validity of prices and other details, no less than 90 days.
· Vendor must be registered to do business in Zambia.
PLAN INTERNATIONAL ZAMBIA RESERVES THE RIGHT, IN ITS SOLE DISCRETION, TO MODIFY THE REQUEST, TO ASK FOR ADDITIONAL INFORMATION FROM OFFERORS, TO REJECT ANY AND ALL PROPOSALS AND/OR TO MODIFY OR AMEND THE SCOPE OF THE PROPOSALS SUBMITTED. THE RELEASE OF THIS RFP IS NOT A COMMITMENT TO AWARD A CONTRACT.
Each Offeror acknowledges and agrees that the preparation of all materials for submitting to Plan International and all presentations made by the Offeror are at the Offeror’s sole cost and expense, and Plan International shall not, under any circumstances, be responsible for any cost or expense incurred by an Offeror. All documentation and/or materials submitted with a proposal shall become and remain the property of Plan International.
All clarifications must be sent to : theresa.nguni@plan-international.org. All clarifications must be received by 22nd July 2026. Responses to the clarifications will be sent to all bidders by 17:00hrs on 24th July 2026.THIS EMAIL ADDRESS SHOULD NOT BE USED TO SUBMIT BIDS. ANY BIDS RECEIVED THROUGH THIS EMAIL WILL BE REJECTED.
All bid Submissions should be Planzamtenders@plan-international.org by 17: 00hrs CAT on 29th July 2026. Any submission received after the deadline will not be considered.
