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2024-CAM-PROC-0002- Request for Proposals for Procuring Health & Medical Insurance and Life & Accident

Land O'Lakes Venture37

Land O'Lakes Venture37

Posted on Nov 20, 2024
Request for Proposals
RFP: 2024-CAM-PROC-0002
Request for Proposals for Procuring Health & Medical Insurance and Life & Accident
Issuance Date: November 18, 2024
Offer Deadline: November 29, 2024
Land O’Lakes Venture37 (Venture37) is soliciting proposals from qualified providers of Medical Insurance for Venture37 employees as described in this Request for Proposals (RFP). These services are required for Venture37 US Government funded projects performed in Cambodia.
Firms invited by Venture37 (hereinafter “Bidders”) to submit offers for the services described in this RFP are under no obligation to do so. The Bidder shall bear all costs associated with the preparation and submission of the Proposal; Venture37 will in no case be liable for those costs, regardless of the conduct or outcome of the solicitation.
This Request for Proposal includes the following sections:
1. Instructions to Bidders
2. Technical Specifications
Submission of offers must be completed in accordance with the Instructions to Bidders and complete offers must be received by the date and time indicated.
All correspondence and/or inquiries regarding this RFP must be requested in accordance with the enclosed Instructions to Bidders
Background
Land O’Lakes Venture37 (www.landolakesventure37.org) is a 501(c)(3) nonprofit committed to helping communities around the world thrive through agriculture. We strengthen economies by improving local agriculture, help agribusinesses create jobs, and link farmers to markets. We deliver integrated solutions that help build and improve food and agriculture systems by providing solutions for more competitive markets, more resilient systems, more nutrition-secure communities, and more inclusive societies.
Venture37’s long-standing affiliation with Land O’Lakes, Inc. (www.landolakes.com) sets us apart. Land O’Lakes Inc. is one of America’s largest farmer-owned cooperatives. It supports Venture37 project implementation with 100 years of experience in dairy, animal nutrition, crop inputs, and agricultural insights and technologies. This gives our development projects a unique global view of agriculture, food, and the power of well-functioning market systems. Land O’Lakes, Inc. supports these efforts as part of its enterprise purpose of Feeding Human Progress at home and around the world.
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SECTION 1: INSTRUCTIONS TO BIDDERS
1. Introduction
Request for Proposal (RFP) No. 2024-CAM-PROC-0002 dated November 18, 2024, Venture37, acting on behalf of HortSafe, Cambodia is hereby soliciting bids for the supply of comprehensive Health Insurance Services for staff members sixteen (16) and estimate spouses & dependents 20-25 people Venture37 employees as described in Section 2, Technical Specifications.
2. Eligibility
a. This RFP is open to firms that are largely registered to conduct business in Cambodia. Small and/or disadvantaged businesses, minority-owned, and women-owned businesses are encouraged to submit proposals.
b. A bidder will be considered ineligible if it has been suspended, debarred, or deemed ineligible, as indicated on (1) the "List of Parties Excluded from Federal Procurement and Non-procurement Programs" and/or (2) the "Specially Designated Nationals and Blocked Persons List."
3. Preparation of Offers
a. Bidders are expected to examine the Technical Specifications and all instructions contained in this RFP. Failure to do shall be at the Bidder's risk.
b. The offer prepared by the Bidder and all correspondence related to the offer exchanged by the Bidder and Venture37 shall be in English.
4. Contents of Offer
a. Submitted bids are required to consist of the following documents
    • Presentation/ description of requested services.
    • Monthly premium cost for a) individual Card; b) family card in case of insurance of one family member; c) family card in case of insurance of two or more family members.
b. The bidder is required to provide additional supporting documentation:
    • Official business registration or license documenting eligibility to do business in country of Cambodia
    • Two references including contact names, e-mail addresses, and telephone numbers of people who can be contacted regarding Bidder's prior performance for similar work within the past three years.
  1. 5. Offer Validity Period
a. Offers shall remain valid for a minimum of thirty (30) days after the offer deadline. An offer valid for a shorter period shall be rejected as non-responsive. Bidders shall clearly indicate their offer’s validity period within the proposal documents.
6. Clarification of Bidding Documents

Clarifications may be requested in writing up to five (5) business days prior to the Offer Deadline. The contact for requesting clarification is:
Name: Megan Smith
Email: Msmith06@landolakes.com
7. Offer Deadline and Late Bids
a. All offers must be submitted to Venture37 by November 29, 2024, 18:00pm local time. Please submit electronic proposals with the RFP Number referenced in the subject line. Late proposals will not be accepted.
b. It is the Bidder's sole responsibility to ensure that offers are received by Venture37 on or before the Offer Deadline of November 29, 2024, 18:00pm local time.
c. Offers received after the deadline for submission shall be rejected. A later offer will be considered only if the sole cause of its lateness was attributable to Venture37, its employees or agents.
8. Submission of Bids
a. Only electronic submissions will be accepted. Complete offers, including technical, price, and all supporting documentation must be received by November 29, 2024, 18:00pm local time to Megan Smith at msmith06@landolakes.com with a copy to Sydney Maanibe at SMaanibe@landolakes.com. Please reference the RFP number in the subject line.
9. Amendment of Bidding Documents
a. Venture37 may at its discretion and for any reason, modify bidding documents by amendment. All prospective Bidders that have received bidding documents will be notified of the amendment by e-mail and such amendments will be binding on them.
10. Modification of Offers
11. Criteria for Award and Evaluation
a. Subject to Clause 15, Venture37 will award the contract to that Bidder whose offer is deemed acceptable, and which offers the best value based upon the evaluation criteria. All complete, eligible offers will be evaluated according to the following criteria:
b. Offered monthly premiums any bidder has the right to withdraw, modify, or correct its offer after it has been delivered to Venture37, provided the request for such a withdrawal, modification, or correction together with full details of such modification or correction is received by Venture37 at the submission point of contact above before the Offer deadline.
c. Venture37 may ask any Bidder for a clarification of its offer or conduct negotiations with the apparent winner after evaluation of offers; nevertheless, no Bidder will be permitted to alter its price or make any other material modification to its offer after the deadline unless the RFP has been amended or the deadline extended. Clarifications which do not change the price or other material aspects of the offer may be accepted.
  • Fees - by age band (60%)
  • Offered requested services (10%)
  • Hospital Network (15%)
  • Experience of the vendor (15%)

For a bid to be deemed acceptable, it must comply with all the terms and conditions of the RFP without material modification. A material modification is one which affects the price, quantity, quality, delivery or installation date of the equipment or materials or which limits in any way any responsibilities, duties, or liabilities of the bidders or any rights to Venture37. In addition, the successful bidder must be determined to be responsible. A responsible bidder is one who has the technical expertise, management capability, workload capacity, and financial resources to perform the work.

d. Subject to Clause 15, Venture37 shall award the contract to the Bidder whose offer presents the best price, taking into consideration that the offer meets the eligibility requirements and technical specifications and requirements indicated in Section II of the bidding documents.

12. Venture37's Right to Accept Any Offer and to Reject Any or All Offers
a. Venture37 will reject any offer that is deems nonresponsive. Further, Venture37 reserves the right to waive any minor errors in any offer received if it is in Venture37's best interest to do so, to reject the offer of any Bidder if, in Venture37's judgement, the Bidder is not fully qualified to provide the services as specified in the contract, or to reject all bids.
13. Notification of Award
a. Before the expiration of the period of offer validity, Venture37 will notify the successful Bidder in writing that its offer has been accepted. Venture37 may negotiate with the successful bidder on any details and terms of the contract which do not materially change the scope or specifications of the goods or services to be provided.
b. Upon successful Bidder acknowledging receipt of the Notification of Award, Venture37 will promptly notify each unsuccessful Bidder that their bids were rejected. If, after notification of award, a Bidder wishes to ascertain the grounds on which its offer was not selected, it should address its request to Venture37 in writing.
14. Acceptance of Privacy Policy and Terms and Conditions
a. By submitting a proposal to Venture37, Bidder consents to and provides Venture37 with permission to process the Bidder's personal data specifically for the performance of, and purposes identified in, this solicitation document and in compliance with Venture37's legal obligations under applicable United States and Cambodia laws, data protection and regulations, and any other applicable legal requirements. The bidder may withdraw their consent at any time by contacting procurement.cdp@landolakes.com. If consent is withdrawn, Venture37 reserves the right to either accept or reject the offer.
Section 2: Technical Specifications
The bidder should provide the proposal in response to the following specifications. Additional columns may be added for each level or tiers of coverages (e.g. Bronze, Silver, Gold, etc.).
Group Health Insurance & Medical Insurance: for staff member sixteen (16) and estimate spouses & dependents 20-25

Health and Medical Insurance

Health and Medical Insurance (Minimum Requirement)

Area of Coverage

Cambodia & Thailand

Health Overall Maximum Limit Per Year

US$ 10,000

Illness Annual Maximum

US$ 10,000

Life Insurance + Accident Annual Maximum

US$ 10,000

Maternity Delivery Charges

US$ 1,500

In-patient & Day-patient Hospital Treatment

Hospital daily charges (room+ meal+ basic nursing)

$70/night

Intensive care unit limit and similar special medical units

Fully covered

Operating theatre room charges

Fully covered

Diagnostic and investigation charges including laboratories and scans - MRI, CT scan, PET scan

Fully covered

Drugs, Dressings, and other consumables charges

Fully covered

Physician and specialists visit fees

Fully covered

Implants and internal prosthetics

Fully covered

Treatment provided with the intention of relieving symptoms once. Your Medical Conditions has been diagnosed as terminal.

Fully covered

Up to 7 days take home medications prescribed before you are discharged

Fully covered

Maternity complications

Fully covered

Emergency Road Ambulance

$400

Cash benefit for in-patient and cancer treatment
Cash compensation per day if your medical expenses are reimbursed by another policy or health insurance scheme.

$30/day (Max 15 night)

AIDS/HIV treatment

Fully covered

International Emergency Medical Assistance (IEMA)

International Emergency Medical Assistance (IEMA, Evacuation, Repatriation of Mortal remains)

n/a

Out-patient Treatment

Surgical procedure

Fully covered

Dialysis received

Fully covered

Cancer treatment

Fully covered

CT, MRI, and PET Scan

Fully covered

Pre and post hospitalization visits
(limit per hospitalization, 90 days prior to and after hospital stay)
This benefit applies also to Hospitalization related to baby delivery

$400/case

Emergency care following accident
(This included accidental damage to natural teeth)

$400/case

Emergency treatment due to accident as out-patient

Fully covered

Radiotherapy and chemotherapy received as out-patient

Fully covered

Kidney dialysis

Fully covered

Accidental damage to natural & sound teeth

Fully covered

Prescribed vitamin/supplement up to

Fully covered

Others Benefit

Funeral benefit

$500

Out-patient care option
(Doctor’s visits, prescribed medications, and investigations)
OP per visit, limit - no limit)

$700

Wellness benefit
(preventative health screening/Health checkup and vaccination)

$500

Dental Care Option
(overall dental care needs (root implant is included for clarity purpose)

$500

Maternity

$1,500

Pregnancy and childbirth

Fully covered

Pre and post-natal complications

n/a

Newborn acute medical condition

Fully covered

Vision optical care
(Spectacle frames and corrective lenses and/or corrective contact lenses)

$150

Routine/Preventative Dental Care

Fully covered

Restorative Dental

Fully covered


Note: No waiting period will be applied for all the above list in Heatlh & Insurance
2. Life & Accident Insurance: for staff member sixteen (16) and estimate spouses & dependents 20-25

Life + Accident Insurance

Life + Accident Insurance (Minimum Requirement)

Life + Accident Insurance
annual limit per year

$10,000

24 hrs and worldwide coverage

Fully covered

Death due to accident & permanent disablement due to accident

$10,000

Medical expenses due to accident (non-evaluation/in country)

$1,000

Medical expense due accident (with evaluation)

$10,000

Death due to illness

$10,000

International Emergency Medical Assistance (IEMA)

Emergency Medical Evacuation due to Accident

Fully covered

Emergency Medical Repatriation due to Accident

Fully covered

Repatriation of Mortal remains due to Accident

Fully covered


Note: No waiting period will be applied for all the above list in Life + Accident Insurance
Please provide the quote based the age band:

Age Band

Monthly Premiums/Fees in US$

0-9 years

10-19 years

20-29 years

30-39 years

40-49 years

50-59 years

60-69 years

70-79 years

80+ years