RFP 19GT5020R0005 - Questions and Answers.pdf

RFQ 19GT5020R0005 – Health and Life Insurance for LE Staff of the U.S. Embassy in Guatemala

Questions and Answers

1. Details about the settlement of Life Insurance claims is not mentioned in Section H.4. Please provide the timeline for settlement of Life Insurance claims. Is it 45 or 60 days?

R/ Life insurance settlement shall be completed within 45 calendar days from the moment that all required paperwork has been completed and submitted to the insurance company. The scope of work has been amended to incorporate this information under section H.4.

CONTRACTOR RESPONSIBILITY IN CLAIMS AND REIMBURSEMENT TO CLAIMANTS, (c) Life Insurance

Claims.

2. Please provide a breakup of the claims history into health and life insurance. In Section J, please separate the health claims from the life claims for the years 2020 (until the most recent month possible), 2019, 2018, 2017, 2016, 2015.

Year PREMIUMS CLAIMS % Experience

Life Health Life Health Life Health

2015 Q 697,050.18 Q 5,786,435.55 Q - Q 5,382,842.59 0% 93%

2016 Q 760,200.84 Q 5,726,926.08 Q 1,286,000.00 Q 5,449,613.72 169% 95%

2017 Q 810,767.72 Q 6,149,882.18 Q - Q 6,841,757.94 0% 111%

2018 Q 820,669.29 Q 7,070,884.51 Q - Q 6,508,022.69 0% 92%

2019 Q 876,346.75 Q 8,077,933.53 Q - Q 7,080,039.47 0% 88%

2020* Q 759,425.84 Q 6,767,187.26 Q - Q 5,759,160.09 0% 85%

2020 is until October

3. Average insured member counts for health insurance for the years - 2020 (until the most recent month possible), 2019, 2018, 2017, 2016, 2015. It is standard practice in the insurance industry (and in other Department of State insurance solicitations) to provide this information to ensure equal/fair opportunity for all offerors in an open solicitation.

Year Employee Dependents

2015 328 593

2016 327 590

2017 333 598

2018 353 624

2019 369 645

2020* 375 655

2020 is until October

4. Please advise whether any of the persons covered are required to carry firearms and if so, please indicate them appropriately in Exhibit A or in the census.

R/There are five (5) LE staff who carry firearms. However, it’s worth highlighting for the insurers that they are authorized to carry firearms and only do so in emergencies versus implying that they carry weapons all of the time.

5. When is this plan likely to commence?

R/The start date will depend on the evaluation process of this solicitation, but we anticipated it will be during the first quarter of 2021.

6. Please provide a more detailed census (than provided in Section J) containing each member’s age, sex, status (employee, spouse, child) and annual salary of the employee.

R/See chart below.

Gender Age Relationship

M 52 PRINCIPAL

M 23 CHILD

M 17 CHILD

F 51 SPOUSE

M 21 CHILD

M 7 CHILD

M 4 CHILD

M 23 CHILD

F 41 PRINCIPAL

F 14 CHILD

M 20 CHILD

M 68 PRINCIPAL

F 3 CHILD

M 40 SPOUSE

F 22 CHILD

M 54 PRINCIPAL

F 17 CHILD

F 40 SPOUSE

M 13 CHILD

F 16 CHILD

M 13 CHILD

F 46 SPOUSE

F 37 PRINCIPAL

F 42 PRINCIPAL

M 37 PRINCIPAL

F 16 CHILD

F 37 PRINCIPAL

M 48 PRINCIPAL

M 57 PRINCIPAL

M 15 CHILD

M 35 PRINCIPAL

F 54 SPOUSE

M 53 PRINCIPAL

F 11 CHILD

F 23 CHILD

F 25 CHILD

M 51 PRINCIPAL

M 23 CHILD

F 39 SPOUSE

M 40 PRINCIPAL

F 66 SPOUSE

F 38 PRINCIPAL

M 60 SPOUSE

M 45 PRINCIPAL

F 40 SPOUSE

M 11 CHILD

M 10 CHILD

M 45 SPOUSE

M 19 CHILD

F 44 PRINCIPAL

F 16 CHILD

M 6 CHILD

F 8 CHILD

M 3 CHILD

M 40 SPOUSE

F 62 PRINCIPAL

F 49 PRINCIPAL

M 19 CHILD

M 21 CHILD

M 53 PRINCIPAL

F 46 PRINCIPAL

M 53 PRINCIPAL

F 51 SPOUSE

F 44 PRINCIPAL

M 5 CHILD

F 32 PRINCIPAL

F 54 SPOUSE

F 15 CHILD

M 39 PRINCIPAL

F 23 CHILD

F 68 SPOUSE

M 32 PRINCIPAL

F 1 CHILD

F 49 PRINCIPAL

M 59 PRINCIPAL

M 47 PRINCIPAL

F 41 PRINCIPAL

M 20 CHILD

M 38 SPOUSE

M 6 CHILD

F 40 PRINCIPAL

F 50 PRINCIPAL

F 6 CHILD

M 61 SPOUSE

M 9 CHILD

F 33 PRINCIPAL

F 56 SPOUSE

F 42 PRINCIPAL

F 23 CHILD

M 40 SPOUSE

M 16 CHILD

F 22 CHILD

F 42 PRINCIPAL

M 57 SPOUSE

F 53 PRINCIPAL

F 59 PRINCIPAL

M 41 PRINCIPAL

M 18 CHILD

F 55 PRINCIPAL

F 47 PRINCIPAL

F 32 PRINCIPAL

F 41 PRINCIPAL

M 56 PRINCIPAL

F 23 CHILD

M 55 SPOUSE

F 20 CHILD

F 24 CHILD

M 4 CHILD

M 58 SPOUSE

M 46 SPOUSE

M 40 PRINCIPAL

M 47 PRINCIPAL

M 20 CHILD

M 6 CHILD

F 54 PRINCIPAL

F 38 PRINCIPAL

F 11 CHILD

F 11 CHILD

F 12 CHILD

F 50 PRINCIPAL

F 36 SPOUSE

M 53 PRINCIPAL

M 34 SPOUSE

F 16 CHILD

F 20 CHILD

F 51 PRINCIPAL

M 5 CHILD

M 18 CHILD

M 8 CHILD

M 1 CHILD

M 25 CHILD

M 14 CHILD

F 16 CHILD

M 14 CHILD

F 61 PRINCIPAL

F 8 CHILD

M 37 PRINCIPAL

M 47 PRINCIPAL

F 49 PRINCIPAL

M 11 CHILD

F 41 SPOUSE

F 58 PRINCIPAL

M 59 PRINCIPAL

F 44 SPOUSE

M 5 CHILD

F 47 PRINCIPAL

M 15 CHILD

F 14 CHILD

F 63 PRINCIPAL

M 15 CHILD

F 47 SPOUSE

F 18 CHILD

F 33 SPOUSE

F 38 SPOUSE

M 36 PRINCIPAL

M 17 CHILD

M 12 CHILD

M 6 CHILD

F 4 CHILD

F 44 PRINCIPAL

F 12 CHILD

M 49 SPOUSE

M 67 PRINCIPAL

M 52 PRINCIPAL

F 63 SPOUSE

M 8 CHILD

M 31 PRINCIPAL

M 32 PRINCIPAL

F 47 PRINCIPAL

M 15 CHILD

M 21 CHILD

F 37 SPOUSE

F 51 PRINCIPAL

M 57 SPOUSE

M 60 SPOUSE

M 60 SPOUSE

F 55 SPOUSE

F 49 SPOUSE

M 44 SPOUSE

F 65 PRINCIPAL

F 33 SPOUSE

M 21 CHILD

M 56 PRINCIPAL

F 34 PRINCIPAL

M 22 CHILD

F 48 PRINCIPAL

M 18 CHILD

F 48 PRINCIPAL

M 18 CHILD

F 41 SPOUSE

M 8 CHILD

M 21 CHILD

M 5 CHILD

M 11 CHILD

M 13 CHILD

F 13 CHILD

F 50 SPOUSE

F 62 SPOUSE

M 12 CHILD

F 5 CHILD

F 42 PRINCIPAL

F 8 CHILD

F 13 CHILD

F 50 PRINCIPAL

F 19 CHILD

M 39 PRINCIPAL

M 43 SPOUSE

M 54 PRINCIPAL

M 68 PRINCIPAL

M 56 PRINCIPAL

M 60 SPOUSE

M 0 CHILD

M 49 SPOUSE

F 45 PRINCIPAL

F 25 CHILD

M 40 PRINCIPAL

F 67 SPOUSE

M 60 SPOUSE

M 47 SPOUSE

F 1 CHILD

M 45 PRINCIPAL

F 18 CHILD

F 56 SPOUSE

M 47 PRINCIPAL

M 5 CHILD

M 24 CHILD

F 12 CHILD

M 43 SPOUSE

F 4 CHILD

F 9 CHILD

F 66 PRINCIPAL

F 8 CHILD

M 18 CHILD

F 37 SPOUSE

M 19 CHILD

F 42 PRINCIPAL

F 41 PRINCIPAL

F 42 PRINCIPAL

F 45 PRINCIPAL

M 0 CHILD

F 39 PRINCIPAL

M 4 CHILD

M 40 SPOUSE

F 53 PRINCIPAL

M 48 PRINCIPAL

F 20 CHILD

M 43 PRINCIPAL

F 29 PRINCIPAL

F 10 CHILD

F 39 SPOUSE

F 65 PRINCIPAL

M 56 PRINCIPAL

M 9 CHILD

M 48 SPOUSE

F 44 PRINCIPAL

F 46 SPOUSE

F 25 CHILD

M 59 PRINCIPAL

F 70 SPOUSE

M 32 PRINCIPAL

F 45 PRINCIPAL

M 12 CHILD

F 14 CHILD

M 49 SPOUSE

F 40 PRINCIPAL

F 46 SPOUSE

F 4 CHILD

M 69 PRINCIPAL

F 45 SPOUSE

F 2 CHILD

M 47 PRINCIPAL

F 16 CHILD

M 45 PRINCIPAL

M 21 CHILD

M 67 PRINCIPAL

F 51 PRINCIPAL

M 54 PRINCIPAL

F 18 CHILD

F 17 CHILD

F 36 SPOUSE

F 33 SPOUSE

M 53 PRINCIPAL

F 11 CHILD

F 13 CHILD

M 29 PRINCIPAL

F 3 CHILD

M 11 CHILD

F 44 SPOUSE

M 10 CHILD

M 45 PRINCIPAL

F 39 PRINCIPAL

M 50 PRINCIPAL

F 18 CHILD

F 52 PRINCIPAL

F 52 PRINCIPAL

M 17 CHILD

M 58 PRINCIPAL

F 49 SPOUSE

F 34 PRINCIPAL

M 7 CHILD

F 24 CHILD

F 34 SPOUSE

M 53 SPOUSE

F 17 CHILD

M 44 SPOUSE

M 55 SPOUSE

M 49 PRINCIPAL

M 20 CHILD

M 50 PRINCIPAL

M 18 CHILD

F 38 PRINCIPAL

M 15 CHILD

F 40 SPOUSE

F 34 PRINCIPAL

M 45 SPOUSE

M 17 CHILD

F 3 CHILD

F 45 PRINCIPAL

M 10 CHILD

M 10 CHILD

F 5 CHILD

F 41 SPOUSE

F 38 PRINCIPAL

F 28 PRINCIPAL

F 9 CHILD

M 12 CHILD

F 16 CHILD

M 71 PRINCIPAL

F 20 CHILD

M 60 PRINCIPAL

M 12 CHILD

M 11 CHILD

M 7 CHILD

M 68 PRINCIPAL

F 10 CHILD

F 64 SPOUSE

F 4 CHILD

F 59 SPOUSE

M 20 CHILD

F 33 PRINCIPAL

F 39 SPOUSE

M 48 PRINCIPAL

M 40 PRINCIPAL

F 52 PRINCIPAL

M 12 CHILD

F 55 SPOUSE

M 13 CHILD

M 74 PRINCIPAL

M 12 CHILD

M 23 SPOUSE

F 49 PRINCIPAL

M 54 PRINCIPAL

F 51 PRINCIPAL

F 36 PRINCIPAL

M 22 CHILD

F 27 PRINCIPAL

M 37 PRINCIPAL

F 17 CHILD

F 50 SPOUSE

F 42 SPOUSE

F 43 PRINCIPAL

F 61 SPOUSE

F 63 PRINCIPAL

M 42 SPOUSE

M 46 SPOUSE

M 25 CHILD

M 66 PRINCIPAL

M 62 PRINCIPAL

F 1 CHILD

F 6 CHILD

F 57 SPOUSE

F 40 PRINCIPAL

M 52 SPOUSE

F 48 PRINCIPAL

M 25 CHILD

M 7 CHILD

F 22 CHILD

F 55 SPOUSE

F 14 CHILD

M 66 SPOUSE

F 33 PRINCIPAL

F 23 CHILD

M 58 PRINCIPAL

M 48 PRINCIPAL

F 55 SPOUSE

F 40 SPOUSE

M 55 PRINCIPAL

F 9 CHILD

M 17 CHILD

F 20 CHILD

M 54 SPOUSE

F 11 CHILD

M 43 PRINCIPAL

F 54 PRINCIPAL

F 29 SPOUSE

M 47 SPOUSE

M 39 SPOUSE

F 48 SPOUSE

M 39 PRINCIPAL

M 19 CHILD

M 31 PRINCIPAL

M 40 PRINCIPAL

M 51 SPOUSE

F 49 PRINCIPAL

M 47 SPOUSE

M 37 PRINCIPAL

M 41 SPOUSE

M 13 CHILD

F 60 PRINCIPAL

M 52 PRINCIPAL

M 8 CHILD

M 7 CHILD

M 44 SPOUSE

M 7 CHILD

M 8 CHILD

F 55 PRINCIPAL

M 60 SPOUSE

F 68 PRINCIPAL

F 2 CHILD

M 31 PRINCIPAL

M 47 SPOUSE

M 61 PRINCIPAL

M 34 PRINCIPAL

M 24 CHILD

M 39 SPOUSE

M 47 SPOUSE

M 70 PRINCIPAL

F 53 PRINCIPAL

M 47 SPOUSE

F 10 CHILD

F 58 SPOUSE

F 15 CHILD

M 49 PRINCIPAL

F 20 CHILD

M 51 PRINCIPAL

F 29 PRINCIPAL

F 40 SPOUSE

M 43 SPOUSE

M 2 CHILD

F 48 SPOUSE

F 57 PRINCIPAL

F 77 PRINCIPAL

M 44 SPOUSE

M 45 SPOUSE

M 55 PRINCIPAL

F 19 CHILD

F 41 PRINCIPAL

F 7 CHILD

M 12 CHILD

F 17 CHILD

F 19 CHILD

F 36 PRINCIPAL

F 56 SPOUSE

F 23 CHILD

F 18 CHILD

F 17 CHILD

M 19 CHILD

F 32 SPOUSE

F 16 CHILD

F 2 CHILD

M 17 CHILD

M 44 PRINCIPAL

M 24 CHILD

M 5 CHILD

F 42 PRINCIPAL

M 34 PRINCIPAL

F 24 SPOUSE

F 48 SPOUSE

F 18 CHILD

F 35 SPOUSE

F 54 PRINCIPAL

M 7 CHILD

F 22 CHILD

F 18 CHILD

M 62 PRINCIPAL

F 1 CHILD

F 51 SPOUSE

F 49 PRINCIPAL

M 22 CHILD

M 34 PRINCIPAL

F 37 SPOUSE

F 31 PRINCIPAL

M 32 CHILD

M 20 CHILD

F 10 CHILD

F 43 PRINCIPAL

F 37 SPOUSE

M 25 CHILD

M 17 CHILD

F 46 SPOUSE

F 43 SPOUSE

F 18 CHILD

F 11 CHILD

M 25 CHILD

M 45 PRINCIPAL

F 24 CHILD

F 64 PRINCIPAL

M 58 PRINCIPAL

M 41 SPOUSE

M 33 PRINCIPAL

F 44 PRINCIPAL

M 41 PRINCIPAL

F 43 SPOUSE

F 64 PRINCIPAL

F 34 SPOUSE

M 23 CHILD

M 12 CHILD

F 59 SPOUSE

M 17 CHILD

F 25 CHILD

M 51 PRINCIPAL

M 18 CHILD

M 8 CHILD

F 33 PRINCIPAL

M 18 CHILD

M 50 PRINCIPAL

M 74 PRINCIPAL

M 24 CHILD

M 15 CHILD

F 40 PRINCIPAL

M 2 CHILD

M 44 SPOUSE

F 39 PRINCIPAL

M 53 PRINCIPAL

F 55 PRINCIPAL

F 6 CHILD

M 21 CHILD

M 21 CHILD

M 34 PRINCIPAL

F 61 SPOUSE

F 17 CHILD

F 13 CHILD

F 11 CHILD

M 30 PRINCIPAL

F 44 PRINCIPAL

M 39 SPOUSE

F 16 CHILD

F 58 SPOUSE

F 49 PRINCIPAL

M 12 CHILD

F 3 CHILD

F 10 CHILD

M 66 SPOUSE

F 46 PRINCIPAL

M 22 CHILD

M 74 SPOUSE

M 44 PRINCIPAL

M 43 PRINCIPAL

F 5 CHILD

M 57 PRINCIPAL

F 3 CHILD

F 72 SPOUSE

M 30 PRINCIPAL

F 21 CHILD

F 51 SPOUSE

M 25 CHILD

M 47 PRINCIPAL

M 22 CHILD

F 51 SPOUSE

F 14 CHILD

F 20 CHILD

M 52 PRINCIPAL

M 40 PRINCIPAL

M 44 SPOUSE

F 54 SPOUSE

M 56 PRINCIPAL

F 53 PRINCIPAL

F 10 CHILD

M 39 PRINCIPAL

M 70 PRINCIPAL

F 53 PRINCIPAL

F 14 CHILD

M 3 CHILD

M 69 PRINCIPAL

F 46 PRINCIPAL

F 21 CHILD

M 19 CHILD

M 43 SPOUSE

F 75 PRINCIPAL

F 51 PRINCIPAL

M 55 SPOUSE

F 51 PRINCIPAL

F 42 SPOUSE

M 29 PRINCIPAL

F 18 CHILD

M 67 PRINCIPAL

F 47 SPOUSE

M 51 PRINCIPAL

F 46 PRINCIPAL

F 66 PRINCIPAL

M 49 PRINCIPAL

M 9 CHILD

F 19 CHILD

F 57 PRINCIPAL

M 20 CHILD

M 46 SPOUSE

F 64 PRINCIPAL

M 19 CHILD

F 22 CHILD

F 39 SPOUSE

F 7 CHILD

F 61 SPOUSE

M 30 PRINCIPAL

M 67 PRINCIPAL

M 58 SPOUSE

M 22 CHILD

F 23 CHILD

M 54 PRINCIPAL

F 18 CHILD

F 46 PRINCIPAL

M 20 CHILD

M 19 CHILD

F 40 SPOUSE

F 49 PRINCIPAL

M 24 CHILD

M 12 CHILD

F 50 PRINCIPAL

F 54 PRINCIPAL

M 61 PRINCIPAL

M 56 PRINCIPAL

M 66 SPOUSE

F 7 CHILD

F 40 PRINCIPAL

F 53 PRINCIPAL

M 20 CHILD

M 41 PRINCIPAL

F 45 PRINCIPAL

F 54 PRINCIPAL

M 25 CHILD

F 47 SPOUSE

M 43 PRINCIPAL

M 12 CHILD

M 55 PRINCIPAL

F 48 PRINCIPAL

M 6 CHILD

M 21 CHILD

F 9 CHILD

M 4 CHILD

M 8 CHILD

F 18 CHILD

F 18 CHILD

M 52 SPOUSE

M 48 PRINCIPAL

M 56 SPOUSE

F 53 SPOUSE

F 19 CHILD

F 22 CHILD

F 28 PRINCIPAL

F 39 SPOUSE

M 19 CHILD

M 30 PRINCIPAL

M 21 CHILD

M 61 PRINCIPAL

M 45 PRINCIPAL

M 25 CHILD

F 20 CHILD

M 41 SPOUSE

M 5 CHILD

M 44 PRINCIPAL

F 41 SPOUSE

M 67 PRINCIPAL

F 53 PRINCIPAL

M 49 SPOUSE

M 20 CHILD

M 37 PRINCIPAL

F 39 PRINCIPAL

F 30 PRINCIPAL

M 49 SPOUSE

F 24 CHILD

F 36 SPOUSE

F 18 CHILD

M 47 PRINCIPAL

M 60 PRINCIPAL

M 50 SPOUSE

F 46 PRINCIPAL

F 49 SPOUSE

M 47 SPOUSE

F 45 PRINCIPAL

M 58 SPOUSE

M 74 SPOUSE

M 18 CHILD

M 5 CHILD

F 71 SPOUSE

M 8 CHILD

M 22 CHILD

F 3 CHILD

F 52 SPOUSE

M 59 SPOUSE

M 7 CHILD

F 64 SPOUSE

M 16 CHILD

F 6 CHILD

M 4 CHILD

F 60 PRINCIPAL

M 25 CHILD

M 39 PRINCIPAL

F 44 SPOUSE

M 65 SPOUSE

F 13 CHILD

F 14 CHILD

F 80 PRINCIPAL

M 33 PRINCIPAL

F 55 SPOUSE

F 43 PRINCIPAL

M 21 CHILD

M 25 CHILD

F 43 SPOUSE

M 50 PRINCIPAL

M 21 CHILD

M 1 CHILD

F 4 CHILD

M 3 CHILD

F 46 SPOUSE

M 13 CHILD

M 8 CHILD

F 68 PRINCIPAL

M 40 PRINCIPAL

M 19 CHILD

F 19 CHILD

F 23 CHILD

M 43 PRINCIPAL

F 41 PRINCIPAL

M 11 CHILD

F 48 SPOUSE

F 70 SPOUSE

M 8 CHILD

M 17 CHILD

F 48 PRINCIPAL

F 41 SPOUSE

F 31 SPOUSE

F 53 PRINCIPAL

M 10 CHILD

F 18 CHILD

F 53 SPOUSE

M 11 CHILD

F 21 CHILD

M 13 CHILD

F 24 CHILD

M 47 SPOUSE

M 16 CHILD

M 16 CHILD

M 63 PRINCIPAL

M 20 CHILD

F 33 SPOUSE

F 35 SPOUSE

F 68 PRINCIPAL

M 66 PRINCIPAL

F 41 PRINCIPAL

F 14 CHILD

F 2 CHILD

F 68 SPOUSE

M 33 SPOUSE

M 6 CHILD

F 52 PRINCIPAL

F 47 SPOUSE

F 12 CHILD

F 67 PRINCIPAL

F 30 PRINCIPAL

F 49 SPOUSE

M 21 CHILD

F 35 SPOUSE

F 10 CHILD

M 20 CHILD

M 1 CHILD

F 52 SPOUSE

M 42 PRINCIPAL

M 45 PRINCIPAL

M 6 CHILD

F 39 PRINCIPAL

F 3 CHILD

M 13 CHILD

M 62 SPOUSE

F 18 CHILD

F 44 PRINCIPAL

M 6 CHILD

F 42 PRINCIPAL

M 22 CHILD

F 33 PRINCIPAL

F 25 CHILD

M 14 CHILD

F 54 PRINCIPAL

M 66 PRINCIPAL

F 59 SPOUSE

M 11 CHILD

F 60 PRINCIPAL

M 47 SPOUSE

M 70 PRINCIPAL

M 37 PRINCIPAL

M 56 SPOUSE

F 57 PRINCIPAL

F 7 CHILD

F 47 SPOUSE

F 2 CHILD

M 14 CHILD

M 5 CHILD

M 37 PRINCIPAL

M 52 PRINCIPAL

F 46 PRINCIPAL

M 17 CHILD

M 25 CHILD

F 20 CHILD

M 56 SPOUSE

F 48 PRINCIPAL

M 53 SPOUSE

F 25 CHILD

M 20 CHILD

F 13 CHILD

M 7 CHILD

M 41 PRINCIPAL

F 6 CHILD

M 23 CHILD

M 39 SPOUSE

F 57 PRINCIPAL

M 43 PRINCIPAL

F 42 PRINCIPAL

M 3 CHILD

F 51 SPOUSE

M 49 PRINCIPAL

M 8 CHILD

F 44 PRINCIPAL

M 9 CHILD

M 49 SPOUSE

F 33 SPOUSE

F 13 CHILD

F 45 SPOUSE

F 44 PRINCIPAL

F 52 PRINCIPAL

F 5 CHILD

M 41 PRINCIPAL

F 6 CHILD

M 15 CHILD

F 39 PRINCIPAL

F 67 SPOUSE

F 45 PRINCIPAL

M 11 CHILD

F 18 CHILD

M 48 SPOUSE

F 7 CHILD

M 23 CHILD

F 25 CHILD

M 56 PRINCIPAL

M 14 CHILD

F 39 PRINCIPAL

F 52 PRINCIPAL

F 39 SPOUSE

M 21 CHILD

M 41 SPOUSE

M 49 SPOUSE

M 12 CHILD

M 25 CHILD

M 25 CHILD

F 20 CHILD

F 44 PRINCIPAL

F 43 PRINCIPAL

F 14 CHILD

M 19 CHILD

M 44 PRINCIPAL

M 18 CHILD

M 11 CHILD

M 25 CHILD

M 12 CHILD

M 21 CHILD

F 40 PRINCIPAL

M 17 CHILD

F 21 CHILD

F 13 CHILD

F 2 CHILD

F 21 CHILD

F 7 CHILD

F 50 PRINCIPAL

M 55 PRINCIPAL

M 9 CHILD

M 48 PRINCIPAL

M 41 SPOUSE

M 34 PRINCIPAL

M 35 PRINCIPAL

M 0 CHILD

M 42 SPOUSE

F 6 CHILD

M 54 PRINCIPAL

M 32 PRINCIPAL

F 23 CHILD

F 77 PRINCIPAL

F 51 PRINCIPAL

F 13 CHILD

F 50 SPOUSE

M 22 CHILD

F 9 CHILD

F 19 CHILD

M 57 PRINCIPAL

F 22 CHILD

F 32 PRINCIPAL

F 19 CHILD

M 3 CHILD

M 56 SPOUSE

F 21 CHILD

M 22 CHILD

F 22 CHILD

F 38 SPOUSE

F 39 PRINCIPAL

F 36 PRINCIPAL

M 15 CHILD

F 49 SPOUSE

F 38 PRINCIPAL

M 13 CHILD

M 62 PRINCIPAL

M 52 PRINCIPAL

F 51 PRINCIPAL

F 33 PRINCIPAL

M 56 PRINCIPAL

F 72 SPOUSE

F 48 PRINCIPAL

M 12 CHILD

M 52 PRINCIPAL

M 38 PRINCIPAL

F 21 CHILD

F 50 SPOUSE

M 5 CHILD

M 6 CHILD

M 40 SPOUSE

M 34 PRINCIPAL

M 20 CHILD

F 14 CHILD

M 38 PRINCIPAL

F 51 PRINCIPAL

F 10 CHILD

M 47 PRINCIPAL

F 17 CHILD

F 40 PRINCIPAL

F 4 CHILD

M 65 PRINCIPAL

M 47 PRINCIPAL

F 35 SPOUSE

M 62 SPOUSE

M 41 SPOUSE

M 22 CHILD

F 42 PRINCIPAL

M 8 CHILD

F 14 CHILD

M 44 PRINCIPAL

M 51 PRINCIPAL

F 39 SPOUSE

F 31 SPOUSE

F 5 CHILD

M 42 PRINCIPAL

F 42 SPOUSE

F 9 CHILD

M 32 SPOUSE

M 20 CHILD

M 70 SPOUSE

F 46 PRINCIPAL

M 42 PRINCIPAL

F 16 CHILD

M 36 SPOUSE

M 20 CHILD

F 40 SPOUSE

M 10 CHILD

M 11 CHILD

M 55 PRINCIPAL

F 21 CHILD

F 43 PRINCIPAL

F 52 PRINCIPAL

F 39 SPOUSE

F 12 CHILD

M 52 PRINCIPAL

F 47 PRINCIPAL

F 37 SPOUSE

F 51 PRINCIPAL

F 56 SPOUSE

F 30 PRINCIPAL

M 66 SPOUSE

M 7 CHILD

M 50 SPOUSE

M 58 SPOUSE

M 21 CHILD

M 7 CHILD

F 19 CHILD

F 63 PRINCIPAL

M 49 SPOUSE

M 66 PRINCIPAL

F 35 PRINCIPAL

M 12 CHILD

M 39 PRINCIPAL

F 55 PRINCIPAL

M 28 PRINCIPAL

F 37 PRINCIPAL

M 60 PRINCIPAL

M 55 SPOUSE

F 66 SPOUSE

M 45 PRINCIPAL

F 36 PRINCIPAL

M 36 PRINCIPAL

M 12 CHILD

M 56 PRINCIPAL

F 52 PRINCIPAL

M 33 CHILD

F 46 SPOUSE

M 5 CHILD

F 43 PRINCIPAL

M 66 SPOUSE

F 42 PRINCIPAL

F 57 PRINCIPAL

F 48 SPOUSE

M 4 CHILD

M 52 PRINCIPAL

F 46 PRINCIPAL

M 35 SPOUSE

F 51 PRINCIPAL

F 25 CHILD

M 47 PRINCIPAL

F 47 PRINCIPAL

F 25 CHILD

M 51 SPOUSE

M 14 CHILD

M 2 CHILD

M 66 SPOUSE

F 29 SPOUSE

F 38 PRINCIPAL

F 46 PRINCIPAL

M 55 SPOUSE

M 6 CHILD

M 12 CHILD

F 7 CHILD

F 65 PRINCIPAL

F 21 CHILD

M 20 CHILD

M 34 PRINCIPAL

F 24 CHILD

F 16 CHILD

M 28 PRINCIPAL

7. How many COVID-19 cases have been diagnosed within the group till date?

R/We have 31 confirmed cases for Q86,504.78.

8. I wanted to confirm if the requirement mentioned above considered as new requirement or are there incumbent contracts? If there is an incumbent vendor, would you be able to provide the contract details (such as: Vendor Name, Contract Number, Award Date, Value)?

R/ This solicitation is to be considered as a new requirement for health and life insurance services for LE Staff for the U.S. Embassy in Guatemala.

9. Is this requirement currently performed by ASEGURADORA GENERAL S.A. (Contract #:

SMX53016D0002) and is set to expire on January 1, 2021? Am I missing any incumbent vendors? If so, may I ask for the contract details (such as: Vendor Name, Contract Number, Award Date, Value)?

R/Our current contract number is SGT50016D0002 and the contractor is Aseguradora General, S.

A.

10. Please provide the following data:

- Group or range of age of Embassy Staff

- Group by sex

Rangos de Edad

SPOUSE CHILDREN EMPLOYEE

F M F M F M

0-9 54 69

10-19 86 94

20-29 3 1 51 69 5 4

30-39 32 10 2 38 39

40-49 44 48 78 54

50-59 32 25 49 53

60-69 13 16 20 25

70-80 5 3 4 6

12. I would like to kindly ask whether the US Embassy in Guatemala would insist on a local insurance company regarding the solicitation 19GT5020R0005 or proposals from International insurance companies and/or Consortium of International Insurance and Assistance companies shall be accepted as well?

R/This process is a full and open solicitation.

13. Regarding the Excess of Coverage – you said the premium for this benefit shall be paid by the employees themselves. How is this premium going to be invoiced by the contractor – does the contractor invoice the Embassy and the Embassy collects this premium from the respective employees or does the contractor have to invoice every single employee who chose to have this benefit and collect premiums individually?

R/Please refer to Section B.1.1. which states …”Excess Coverage (C.1.1.19) is included under this contract only as rider benefits; the Contractor shall bill the individual covered at the rates specified below.”

And

“Section C.1.1.21 Excess Coverage NOTE: Employee responsible for paying 100% of premium for

Excess Coverage Additional coverage equal to $129,870 (Q1,000,000.00 based on an exchange rate of Q7.7=$1) per covered individual per the lifetime of the contract. This excess coverage will be offered as an optional benefit to LE Staff. This can be used for any covered individual for any covered expense that exceeds annual maximum. LE Staff must pay 100% of the premium if they elect Excess Coverage. The premium for this additional coverage is a rider to be paid by the employee to the vendor directly and USG will not be responsible for collecting of these premium payments.”

14. Regarding the Life Insurance – Would you be able to provide a more detailed census including each employee’s gender, monthly or annual salary, so that the proposal can be calculated in a more precise way?

R/ Note that the Retirees group is not covered under the life insurance portion of the contract as a rider.

See chart below

Plan

Insured Amount in Quetzales Gender Age

1 ACTIVE EMPLOYEE

435,000.00 M 54

2 RETIRED EMPLOYEE

5,000.00 F 63

574,000.00 F 36

633,000.00 M 59

423,000.00 F 42

379,000.00 F 50

542,000.00 F 42

402,000.00 F 42

761,000.00 F 43

236,000.00 M 34

468,000.00 M 38

543,000.00 F 47

942,000.00 F 36

670,000.00 M 43

386,000.00 M 41

512,000.00 F 42

543,000.00 F 54

1,062,000.00 F 44

776,000.00 M 43

564,000.00 M 34

226,000.00 M 43

1,265,000.00 F 44

1,265,000.00 F 75

229,000.00 M 53

296,000.00 F 51

582,000.00 M 41

291,000.00 F 34

435,000.00 F 43

1,062,000.00 F 60

343,000.00 F 44

715,000.00 M 45

5,000.00 M 68

543,000.00 F 52

229,000.00 M 59

454,000.00 M 35

342,000.00 M 53

229,000.00 M 56

789,000.00 F 48

586,000.00 M 34

305,000.00 M 31

510,000.00 M 34

153,000.00 M 41

351,000.00 F 46

306,000.00 M 53

276,000.00 F 50

5,000.00 F 77

420,000.00 F 46

200,000.00 F 27

601,000.00 F 53

789,000.00 M 55

225,000.00 M 42

543,000.00 F 45

321,000.00 M 34

123,000.00 M 52

367,000.00 F 32

319,000.00 M 56

729,000.00 M 52

273,000.00 M 42

633,000.00 F 48

349,000.00 M 62

283,000.00 M 39

487,000.00 F 44

408,000.00 M 39

543,000.00 F 42

610,000.00 F 39

789,000.00 M 63

335,000.00 F 49

911,000.00 M 44

263,000.00 M 59

1,062,000.00 M 49

722,000.00 F 49

232,000.00 F 39

789,000.00 F 46

337,000.00 F 39

543,000.00 M 48

284,000.00 F 30

543,000.00 F 57

566,000.00 F 47

789,000.00 F 52

288,000.00 F 34

361,000.00 F 36

281,000.00 F 45

633,000.00 M 58

1,062,000.00 F 52

38,000.00 F 49

180,000.00 M 55

625,000.00 M 42

163,000.00 M 56

626,000.00 M 39

635,000.00 M 37

509,000.00 F 55

212,000.00 M 37

300,000.00 F 29

368,000.00 F 40

408,000.00 F 28

292,000.00 M 52

378,000.00 M 55

199,000.00 M 61

543,000.00 M 51

161,000.00 M 56

930,000.00 F 53

496,000.00 M 40

357,000.00 M 54

420,000.00 F 53

204,000.00 M 50

543,000.00 F 47

633,000.00 M 51

369,000.00 M 29

543,000.00 M 51

349,000.00 F 54

153,000.00 M 52

178,000.00 M 28

751,000.00 M 48

543,000.00 F 54

759,000.00 M 30

543,000.00 F 38

123,000.00 M 56

1,062,000.00 M 53

263,000.00 M 56

789,000.00 M 36

999,000.00 M 49

153,000.00 M 28

435,000.00 F 63

502,000.00 M 47

545,000.00 F 38

645,000.00 M 50

187,000.00 M 45

685,000.00 F 54

517,000.00 F 60

544,000.00 F 38

340,000.00 F 40

263,000.00 M 60

216,000.00 M 47

1,250,000.00 F 49

205,000.00 M 31

311,000.00 M 53

387,000.00 F 43

5,000.00 M 74

543,000.00 M 55

234,000.00 M 58

135,000.00 M 55

276,000.00 M 37

1,265,000.00 M 54

290,000.00 F 36

789,000.00 F 51

157,000.00 M 32

1,265,000.00 F 53

579,000.00 M 66

274,000.00 M 40

481,000.00 F 34

5,000.00 M 67

435,000.00 F 42

84,000.00 F 42

842,000.00 F 41

904,000.00 F 52

1,055,000.00 F 48

229,000.00 M 66

1,058,000.00 F 50

1,194,000.00 M 54

789,000.00 F 60

241,000.00 M 37

512,000.00 M 57

1,062,000.00 F 51

364,000.00 F 31

731,000.00 M 40

287,000.00 M 30

159,000.00 M 43

412,000.00 M 30

1,265,000.00 F 63

271,000.00 M 45

1,062,000.00 F 51

311,000.00 M 68

210,000.00 M 40

378,000.00 F 55

272,000.00 F 49

384,000.00 F 39

753,000.00 F 50

1,062,000.00 F 66

84,000.00 F 51

369,000.00 F 40

633,000.00 F 42

229,000.00 M 47

412,000.00 M 29

404,000.00 F 44

789,000.00 M 52

435,000.00 M 52

157,000.00 M 47

348,000.00 F 43

441,000.00 F 40

543,000.00 F 68

349,000.00 M 50

5,000.00 M 71

276,000.00 F 37

322,000.00 F 38

680,000.00 F 42

409,000.00 M 35

310,000.00 M 54

585,000.00 F 48

741,000.00 F 57

393,000.00 M 52

375,000.00 F 42

543,000.00 M 69

367,000.00 M 37

1,062,000.00 M 67

236,000.00 M 47

288,000.00 F 30

216,000.00 M 40

287,000.00 M 44

366,000.00 F 41

520,000.00 M 48

778,000.00 F 53

543,000.00 M 70

455,000.00 F 55

409,000.00 F 33

232,000.00 M 39

263,000.00 M 57

543,000.00 F 44

1,265,000.00 M 70

289,000.00 F 46

1,265,000.00 F 57

351,000.00 M 30

235,000.00 F 32

291,000.00 M 67

420,000.00 F 37

311,000.00 M 57

712,000.00 F 38

142,000.00 M 40

204,000.00 M 32

429,000.00 M 33

360,000.00 F 35

445,000.00 M 49

716,000.00 F 45

1,024,000.00 F 41

114,000.00 F 28

780,000.00 M 37

276,000.00 F 62

300,000.00 M 47

5,000.00 F 68

435,000.00 F 53

351,000.00 F 44

789,000.00 F 41

291,000.00 M 34

263,000.00 M 47

1,062,000.00 M 69

104,000.00 F 46

5,000.00 F 80

1,265,000.00 M 67

375,000.00 M 32

510,000.00 F 33

554,000.00 F 30

123,000.00 M 67

263,000.00 M 62

477,000.00 M 45

305,000.00 F 33

435,000.00 F 45

419,000.00 F 39

351,000.00 F 39

155,000.00 M 49

592,000.00 F 46

789,000.00 M 44

321,000.00 F 40

543,000.00 F 68

248,000.00 M 54

210,000.00 M 34

489,000.00 M 60

325,000.00 M 39

372,000.00 F 45

480,000.00 F 53

753,000.00 M 45

159,000.00 M 43

402,000.00 F 39

1,011,000.00 F 52

664,000.00 F 51

543,000.00 M 65

306,000.00 M 38

231,000.00 M 41

5,000.00 F 65

718,000.00 F 41

523,000.00 M 43

647,000.00 F 46

198,000.00 M 52

603,000.00 M 47

254,000.00 M 66

223,000.00 M 41

310,000.00 F 44

543,000.00 F 51

296,000.00 F 40

485,000.00 F 37

543,000.00 F 64

543,000.00 M 61

152,000.00 M 37

415,000.00 F 39

633,000.00 F 48

1,265,000.00 F 61

977,000.00 F 51

156,000.00 M 44

349,000.00 M 47

633,000.00 F 49

371,000.00 F 47

527,000.00 F 32

775,000.00 M 50

441,000.00 F 41

368,000.00 M 31

214,000.00 M 39

501,000.00 M 48

376,000.00 F 41

543,000.00 F 57

543,000.00 M 58

1,265,000.00 M 68

685,000.00 M 51

1,022,000.00 F 47

193,000.00 M 66

181,000.00 F 46

366,000.00 F 44

633,000.00 F 49

755,000.00 F 50

338,000.00 M 56

1,265,000.00 F 57

1,062,000.00 M 52

296,000.00 F 54

789,000.00 F 48

789,000.00 F 51

491,000.00 F 51

685,000.00 F 55

267,000.00 M 51

413,000.00 F 49

558,000.00 M 33

306,000.00 F 51

5,000.00 F 67

393,000.00 F 64

156,000.00 M 45

405,000.00 F 44

5,000.00 F 66

5,000.00 F 77

543,000.00 F 48

5,000.00 M 70

421,000.00 M 32

789,000.00 M 44

789,000.00 M 48

473,000.00 F 46

435,000.00 F 40

214,000.00 F 33

364,000.00 F 38

426,000.00 F 43

443,000.00 F 43

351,000.00 F 29

1,062,000.00 F 58

294,000.00 F 46

400,000.00 M 47

292,000.00 M 45

1,062,000.00 F 65

263,000.00 M 60

358,000.00 F 33

1,065,000.00 F 52

514,000.00 F 64

543,000.00 M 61

1,062,000.00 M 53

5,000.00 M 74

789,000.00 F 54

229,000.00 M 62

361,000.00 F 33

487,000.00 M 45

599,000.00 M 48

543,000.00 F 65

1,265,000.00 F 53

291,000.00 M 36

435,000.00 F 59

474,000.00 F 42

769,000.00 M 40

15. Referring to the information about the claims ratio for the last 3 years – is that for health or also for life? Could you maybe provide information about the claims paid for health and for life insurance?

R/ see answer in question No. 2

16. During the current contract we had the case of a retiree (rider) that used the maximum coverage of his policy. Is this person going to be include back into the new contract when it is awarded?

R/The retiree will no longer be part of the Retiree rider group. He was excluded from the policy since July 7, 2019.

17. In the case when a couple works at the Mission and will have to decide who will be considered the principal and who will be considered the dependant, who will be making that decision?

R/Please refer to Section C.1.4.1.1.1 Legal Spouse: one legal spouse as defined by local law per employee may be covered. LE Staff with more than one legal spouse must select only one spouse for coverage. In cases where LE Staff and their legal spouse both work for the Mission and both are eligible to participate in the medical plan, one will be designated as the lead for purposes of the medical plan, and the other will be considered a legal spouse. In these specific cases, both the lead and the spouse shall be elegible to participate in the life insurance coverage plan.

And

C.2.4.3 Employee’s dependents are not covered under this plan. The only exception is when the dependant spouse is a Locally Employed Staff (LE Staff) employed under direct hire appointments, Personal Services Agreements (PSAs) and Personal Services Contracts (PSCs)employee of the U.S.

Embassy – Guatemala.

We will amend both sections to clarify that the employees will decide who is registered as the principal and who is registered as the dependant.

18. Does the contract will cover pre-existing medical conditions?

R/Yes, the insurance company shall accept the group with all the pre-existing conditions and guarantee coverage of all current treatments. Section C.1 has been amended to include this clarification.

End of Questions and Answers.