Request for proposals : provision of WIBA plus and group personal accident insurance policy & employer’s liability insurance

Background

Tdh is present in Kenya since 2011. Currently Tdh is providing protection services for children and families affected by migration, natural crises and poverty in Dadaab, Kakuma refugee camps, in Garissa and Turkana County respectively, and in Kiambu for child’s rights business in Kiambu County

The Need/Purpose

TDH provides WIBA Plus & GPA insurance & Employer’s Liability coverage for its employees across the country. TDH is now soliciting detailed proposals from eligible insurance firms to provide WIBA Plus & GPA Insurance for its staff. The staff number will be subject to change due to staff leaving and staff being hired.

Salaries and number of Staff

Details for number of staff as at October 2026 of staff is 52 at an accumulative gross salary of 11,029,041.22 broken down into below categories.

Category 1. 48 Office Workers

Gross Salary Kshs 10,756,899.47

Category 2. 4 Drivers

Gross Salary Kshs. 272,141.75

Scope of Work/ Service Outcomes

TDH requires extensions provided to cover the following cases/incidents; and all proposals should provide limits on but not limited to the items below.

GROUP LIFE

Accidental Death Benefit – 3 Times annual salary

Permanent Total Disability - 3 Times annual salary

Critical illness – 30% of sum Assured to a maximum of 10,000,000.00.

Last Expense

Last expense Main Member – Kshs.300,000.00

Coffin and Hearse – Kshs.100,000.00

Dependent’s last expense - Kshs.100,000.00

Free Cover Limit Kshs 25,000,000.00

WIBA/GPA

Accidental Death Benefit – 8 Times annual Gross salary

Accidental/ Occupational Permanent Total Disability - 8 Times annual Gross salary

Temporary Total Disability (Accidental) – Salary up to a maximum of 104 weeks

Medical Expenses Reimbursement Benefit – Maximum Kshs.800,000.00

24 hour cover

Death as a result of accident or natural causes

Death as a result of pandemic (e.g COVID-19)

Permanent disability as a result of accident or critical illness

Temporary disability as result of accident or illness

Medical expenses

Mobility artificial appliances

Repatriation of mortal remains

Funeral expenses

Extension to cover riots, strikes, civil commotions, burns and disfigurements

Disappearance

Terrorism extension (Death or Injuries)

Exclusion of post-mortem report requirement.

Worldwide Cover

Inclusion of motor cycling as a driver or passenger but not as racing/sporting

Inclusion of football, rugby, lawn tennis, badminton.

EMPLOYER’S LIABILITY

Limit of Liability

Limit per person: Kshs. 10,000,000.00

Any one event Kshs. 25,000,000.00

Any one period Kshs. 50,000,000.00

Note to Quote:

Please quote rate applicable for:

Premium for year 2027 and proposal for 2027

Policy excess.

Short term Cover or pro rata premium calculation.

refund of premium when staff leave.

refund policy of medical expense incurred when staff use other medical providers.

Please quote any free rider or cover

Timelines for compensation

The insurance provider upon being notified of applicable accident or scheduled disease shall submit all required documentation within two days and payment shall be made no more than One Month from the date of receiving all documentation submitted by TDH.

Duration of Cover

The successful Company will enter into a contract with TDH for a period of TWO (2) years. This contract will be renewed based on performance and availability of funding.

Reporting

We expect a quarterly report to indicate number of accidents reported, those processed and those outstanding and any recommendations. We do expect minimal TDH staff involvement in processing claims and thus should have a dedicated account holder to help.

Adding and deletion of Members

Staff who join during the policy year should be added on cover on a pro rata basis. Staff who leave the organization during the policy year should be deleted and reimbursement made for the remaining period.

Criteria for Proposal Evaluation.

Technical Proposal

Each bidder shall submit a technical proposal addressing the services required and clearly demonstrating how they will meet TDH’s needs.

The proposal will be evaluated according to the following criteria:

Benefit coverage.

Claim Settlement timeline.

Technical support Competency

Demonstrated Capacity to meet required deliverables.

Quality of service (ng systems)

Financial Proposal.

The financial proposal shall be evaluated according to the price structure proposed.

Other required Competencies/Skills. The successful bidder should have.

Extensive experience and a proven track record in the Life insurance business – List of top 3 clients in the last 3 years is required.

Sound experience in servicing international organizations – Proof of association with an INGO in Kenya

Ability to provide 24-hours service.

Real time administrative support systems – Ability to assign an account manager.

NO INSURANCE BROKERS

How to apply

Submissions should be sent to ken.tenders@tdh.org with the words “WIBA ENHANCED/GROUP PERSONAL ACCIDENT/GROUP LIFE ASSURANCE & EMPLOYER’S LIABILITY INSURANCE” as the title of the mail. The deadline for application submission is 24th November 2026 by 5.00pm.

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