QA-19MX53-20-R-0001 (002).pdf

RFP 19MX53-20-R-0001 for Health Insurance

SENSITIVE BUT UNCLASSIFIED

Q&A

1. Excel file: "Claims report". In order to be on an equal conditions with the current insurance company, the Solicitant is kindly requested to provide us with the updated claims report related to section "U.S.G. EMPLOYEES , ORE EMPLOYEES RIDERS, APHIS EMPLOYEES RIDERS" indicating at least the following details of at least the last 5 years : claim number, medical condition, date of occurrence, date of payment, paid amount without VAT, VAT. Please confirm.

A: Please refer to Amendment 0004.

2. The Solicitant is kindly requested to indicate us the month of the reported claims amount on the RFP. Please confirm.

A: Please refer to Amendment 0004.

3. Excel file "Insured List". In order to be on an equal conditions with the current Insurance company, the Solicitant is kindly asked to provide us with the updated list of insured persons according to "U.S.G. EMPLOYEES, ORE EMPLOYEES RIDERS, APHIS EMPLOYEES RIDERS" with the following information: employee number, kind of insured (employee, spouse, child), gender (female / male), birthday or age. Please confirm.

A: Please refer to Amendment 0004.

4. The Solicitant is kindly requested to provide us the total number of insured persons according "U.S.G. EMPLOYEES, ORE EMPLOYEES RIDERS, APHIS EMPLOYEES RIDERS" for the last five years of the Health Insurance. Please confirm.

A: Please refer to Amendment 0004.

5. The Solicitant is kindly requested to confirm that the effective date of the policy(s) will be March 1, 2021 at 12:01 hrs (noon). Please confirm.

A: This date is subject to change depending on the completion of this solicitation process.

In regards to the hour, insurance policies validity shall start at 00:00 hours on the period of performance start date and shall end at 23:59 hours on the period of performance end date of the base year and each option year that is exercised. Please refer to Amendment 0004.

6. The convener is kindly requested to confirm that that the Health Insurance a collective policy that shares experience and claims. Please confirm.

A: Question is unclear.

7. According to section B2 FIXED PREMIUM RATES. The Solicitant is kindly asked to confirm if we are able to present the multi-year proposal for 3 years (BASE YEAR +

FIRST YEAR + SECOND YEAR) with annual claims adjustment scheme. Please confirm.

A: No, all price proposals shall contain firm-fixed prices for the Base year and 4 option years. The offeror may or may not set an annual increase of premium rates for each option year. If proposed, this increase must be included in their price proposal. Rates cannot be increased once the contract has been awarded, unless Section B.8. Economic Price Adjustment (EPA)-Life Insurance Premiums applies.

8. According to section B4 ECONOMIC PRICE ADJUSTMENT-HEALTH INSURANCE PREMIUMS. In the event that the above question is answered in the negative, the Solicitant is kindly asked to confirm us whether it is not subject for disqualification to submit the annual claims adjustment formula for the multi-year program. Please confirm.

A: Proposals will be rejected if they do not contain firm-fixed prices for the Base year and 4 option years.

9. The Solicitant is kindly requested to confirm whether the conditions detailed in Section C are currently in their health insurance plan, or, if not, to indicate what changes are being requested. Please confirm.

A: Although some requirements are similar to current Health Insurance Plan, this solicitation should be considered as essentially different from current conditions. Since this is an independent process, and comparisons will not be made to current plan and conditions, the specific changes are not being provided. Proposals must be submitted in accordance to the minimums and maximums requested in the RFQ and any Amendments issued throughout the solicitation process.

10. In order to be on an equal conditions with the current Insurance company, the Solicitant is kindly requested to confirm us the sum insured of 50 million pesos according to its number C.1.2 of the RFP as well as to indicate the deductible, coinsurance, as well as the medical fees tabulator with which your health insurance program has for "U.S.G.

EMPLOYEES, ORE EMPLOYEES RIDERS, APHIS EMPLOYEES RIDERS". Please confirm.

A:

• First question: Yes, maximum coverage is $50,000,000.00 MXN Pesos per individual, per event, per contract length as stated in C.1.2.

• Second question: Please refer to Question 9. This solicitation does not state a deductible amount. However, proposals will not be considered technically unacceptable if off- the-shelf plans include it. Current contract’s deductible amount is $1,344.00 MXN pesos annually per covered individual for each Contract year. Please also refer to Section C.1.1, Employee and Dependent Health Service Benefits which contains the co-insurance of each benefit and the maximum insured limit. We do not have access to current contractor’s physician fee tables.

11. Section B.4. Economic Price Adjustment Health Insurance Premiums. The Solicitant is requested to confirm that, if awarded, any modification to the terms of the Contract shall be upon agreement between the parties. Please confirm.

A: Correct.

12. Section C1 Health Insurance Services. General for all solicitation. Regarding the characteristics of the group and partnership insured and in support of the Mexican State, as part of the member countries of the Organization for Economic Cooperation and Development (OECD) and in implementation of the Agreement amending the various issuing protocol for action on public procurement, granting and extension of licences, permits and authorizations, and concessions; this Insurance Company is registered in the “Comisión Nacional de Seguros y Fianzas” (CNSF, Mexican Insurance Regulatory Authority), the general clause under which the effects of the insurance of that insured person, beneficiary and/or contractor that is placed on an official list, relating to or linked to crimes that conflict against the interests of the state and/or the aforementioned countries (OECD) will cease. Therefore, the Solicitant is asked to ratify that, if my representative is awarded, the general clause referred to shall form part of the insurance conditions, which are the subject of the present procedure. Please confirm.

A: Additional clauses cannot be added to the contract.

13. In addition to the previous question and in the event that it is answered in the negative sense. The solicitant is requested to confirm that the stay in the collectivity or insurable group, of all people who participate directly or indirectly in this insurance, which may be related to the illicit activities set out in Articles 139 to 139 Quinquies, 148 Bis, 193 to 199, 400 and 400 Bis of the Mexican Federal Criminal Code, will be subject to the provisions of the applicable legal provisions, on the understanding that insurance institutions are legally prevented from establishing a legal relationship with persons related to such illicit activities, the above in accordance with article 492 of the in force Law on Insurance Institutions and Deposits and General Provisions (Ley de Instituciones de Seguros y de Fianzas y Disposiciones Generales). Please confirm.

A: Any criminal activities will be handled on a case by case basis in strict conformance to the applicable laws.

14. Section C.1.1.4. Outpatient services. The Solicitant is kindly requested to confirm that this item should only apply to employees and not to the dependents. Please confirm.

A: No, it is also applicable to dependents.

15. Section C.1.1.4., Immunizations recommended by local authorities and/or the World Health Organization. The Solicitant is kindly requested to allow us to exclude this coverage as it relates to preventive services and not Major Medical Expenses. Please confirm.

A: The Contractor shall provide all of the minimum benefits and coverages listed in Section C to be considered technically acceptable. Please refer to RFP paragraph L.4.3.1., Part 1, Health Insurance Benefits and Coverages under Section L.4.3. Volume III -- Technical Proposal.

16. Section C.1.1.5. The Solicitant is kindly requested to provide us with the Sum Insured, deductible and coinsurance currently operating in her Maternity (delivery and C-section) coverage. Please confirm.

A: Please refer to Question 9. This solicitation does not state a cap/deductible. If offeror’s off-the-shelf plans include them, they could be technically acceptable.

17. Section C.1.1.6. Pediatric Services: Minimum Coverage - Inpatient/Emergency: 100%, Outpatient: 80%. The Solicitant is asked to indicate whether it is not a reason for disqualification not to grant preventive costs and vaccines as it is a major medical expenses plan. Please confirm.

A: Please refer to Question 15.

18. Section C.1.1.10 Optical Care and C.1.1.11.Dental Care. The Solicitant is kindly requested to allow us to grant both coverages through (insurance company's) Vision and Dental Plans. Please confirm.

A: Please refer to Part 1, Health Insurance Benefits and Coverages of Section L.4.3.

Volume III -- Technical Proposal.

19. Section C.1.1.10 Optical Care and C.1.1.11.Dental Care. The Solicitant is kindly requested to confirm that coverage applies only through reimbursement. Please confirm.

A: All benefits and coverages shall be paid directly by the insurance company unless the insurance provider does not have an agreement with local vendors, clinics, hospitals, etc.

or in case of emergencies.

20. Section C.1.1.12. Reproductive Health Minimum Coverage - 80%. Since the expenses specified in this section are not considered to be a major medical expense for accident or covered illness, the Solicitant is kindly requested to allow us to exclude this coverage and grant it through a Cash Flow policy (for specific special coverages), which will be for the theoretical premium agreed between the Solicitant and (insurance company) as well as the scope of coverage. Please confirm.

A: Please refer to Question 15.

21. Section C.1.1.13. Mental Health and Substance Abuse Care: We kindly ask the Solicitant to confirm that this coverage applies only through reimbursement. Please confirm.

A: All benefits and coverages shall be paid directly by the insurance company unless the insurance provider does not have an agreement with local vendors, clinics, hospitals, etc.

or in case of emergencies.

22. Section C.1.1.13. Mental Health and Substance Abuse Care: Minimum Coverage - 50%.

The Solicitant is kindly asked to allow us to grant this coverage up to a limit of 100 thousand pesos, without deductible and with a coinsurance of 50% since in the Mexican Insurance Market this coverage is not identified as a major medical expense. Please confirm.

A: Please refer to Question 15.

23. Section C.1.1.14. Rehabilitative and Habilitative Services and Devices, Minimum Coverage - 50%. The Solicitant is asked to confirm that we comply with this point by granting the necessary rehabilitation assignments and/or therapies and whenever necessary as a result of the diagnosis of an illness or accident covered by the policy.

Please confirm.

A: No, the Contractor shall cover rehabilitative services (e.g., recovering skills, such as speech therapy after a stroke or physical therapy after an accident) and habilitative services (e.g., developing skills, such as speech therapy for children, etc.) that help develop skills needed for everyday life.

24. Section C.1.1.15. HIV/AIDS Minimum Coverage 100% Coverage. The Solicitant is kindly asked to tell us what is the Sum Insured limit currently operating for this benefit, regarding from the Sum Insured of the policy. Please confirm.

A: The current contract states that with the exception of expenses incurred, under HIV/AIDS (SIDA) in C.1.1.10, the Contractor will cover expenses up to a limit of $1,200,000.00 per covered individual per event for each Contract Year. All events will be considered as initial and/or new events as of the date the present contract is signed and in accordance with C.1.1.18. There is no limit/cap on the number of potential events for each Contract Year. Additionally, the Contractor will reimburse covered expenses described below in C.1.1.10, for HIV/AIDS (SIDA) up to a separate annual limit/cap of $10,000.00 U. S. Dollars for each Contract year.

This solicitation states the following (please refer to Amendment 0004):

“Minimum Coverage 100% up to USD 10,000 per contract year per covered individual

Medications to suppress opportunistic infections (such as tuberculosis or toxoplasmosis for covered individuals who have HIV/AIDS). Brief courses of anti-retroviral drugs during childbirth to prevent the transmission of HIV/AIDS to the child. Generally excludes medication for the long-term suppression of HIV/AIDS through the combination of anti-retroviral drugs in locations with inadequate local healthcare infrastructures. Coverage under this benefit is excluded from the annual maximum limit (C.1.2).”

25. Section C.1.1.17. Out-of-Country Medical Treatment. The Solicitant is requested to confirm that coverage domestic and abroad must be granted for 100% of the insured community. Please confirm.

A: Correct.

26. Section C.1.1.16.Catastrophic Coverage and also concerning section C.1.1.21. Excess Coverage. We ask the Solicitant to confirm that we comply with this point by granting an excess policy independent of basic or standard coverage, which will apply once the sum insured of basic or standard coverage is used. Please confirm.

A: These coverages are being removed. Please refer to Amendment 0004.

27. We ask the Solicitant to confirm payment of the premium of C.1.1.16. Catastrophic Coverage and also concerning numeral C.1.1.21. Excess Coverage will be paid directly by the Embassy who will deduct the premiums directly from the insured through payroll discount. Please confirm.

A: These coverages are being removed. Please refer to Amendment 0004

28. We ask the Solicitant to confirm that it is correct to understand that the costs corresponding to the excess policy are included in Tables B.2.1.2. Rider Category***, B.2.2.2. Rider Category***, B.2.3.2. Rider Category***, B.2.4.2. Rider Category***, B.2.5.2. Rider Category***. Please confirm.

A: This coverage is being removed. Please refer to Amendment 0004.

29. Continuing the above question, we ask the Solicitant to tell us whether a column should be added indicating the unit cost per single employee and employee with family, excluding in total amount since being an optional coverage, there is no number of policyholders who will hire it. Please confirm.

A: Please refer to Amendment 0004.

30. Section G.4.4. The Solicitant is kindly requested that the premiums for the Riders will be paid by the contractor directly to Insurance Company in case the insured employee will be paying the premium through payroll discount. Please confirm.

A: Question is unclear.

31. Section H.4. (2) The Solicitant shall date the seal and examine all claims filed on the day of receipt. If any documents or information that do not allow such claim to be payable are missing, the Solicitant will notify the employee within two days, with a copy to the COR (if the notice is written). It is not possible to operate the indicated SLA, apply the standard SLA (5 days). Please confirm.

A: Question is unclear.

32. Section H.5 (a) Employee Claims Report. It is not possible to indicate in the report the following fields that they request, since the data is not available in the system: the location (Embassy/ Consulates), all pending claims and a brief description of why the claim has not been paid. Also, please clarify the field: a brief description of the insured's claim for coverage. Please confirm.

A: The Contractor shall make every effort to provide as much detail as possible in the Employee Claims Reports.

33. Section H.5 Report Requirements, (a) Claims Report. The Solicitant is requested to ratify that in the event that such information is to be transferred between the contracting parties, it will be to preserve continuity in the operation of the corresponding insurance and for the direct benefit of the insured person(s) who are part of the insurable collectivity, the above in accordance with the provisions of the Federal Law on the Protection of Personal Data in Possession of Individuals and/or General Law on the Protection of Personal Data in Possession of Required Subjects. Please confirm.

A: Question is unclear.

34. We will thank the Solicitant for confirming that, as a contractual requirement, the tenderer awarded will provide the claims report, only with the statistical information necessary for the validation of claims and/or history of claims. Please confirm.

A: Correct.

35. The Solicitant is requested to ratify that the service tendered in this solicitation will be subject to compliance and jurisdiction established in the Mexican Laws, Relative Insurance Regulations such as the Insurance and Bond Institutions Act, the Insurance Contract Act and other provisions issued by the National Insurance and Bond Commission. Please Confirm.

A: The contract is subject to U.S.G. regulations and jurisdiction. Insurance services will be provided per Mexican laws and regulations.

36. Section H.6. Various Contractor Requirements. In order to give greater clarity to this contest, the Solicitant is asked to confirm that in case this insurance company is awarded, the contract derived from such award will be concluded within Mexican territory, so the legalization of the same will not be necessary. Please confirm.

A: Correct.

37. Will the policy, its conditions and invoices be issued in Spanish in accordance with Mexico's insurance and tax regulations? Would you only need the "pamphlet" or a document with general policy information in English? Please confirm.

A:

• First question: Yes.

• Second question:

� The brochure/pamphlet must submitted in English and Spanish.

� Issuance of the policy and individual certificates can be in Spanish.

� Invoices must be in Spanish as per local Tax regulations.

38. We understand that the DUNS and NCAGE numbers are not applicable in LATAM, can you please give us more information about this requirements in Mexico. Please confirm.

A: Question is unclear. Please follow the guidelines provided in Exhibit 5 - How to Obtain a DUNS Number and Register to SAM.

39. Regarding to the single insureds and families part (section B.2. tables), does this mean that there would be two types of policy? Or are they both subgroups included in the same policy? Please confirm.

A: They are both subgroups included in the same policy.

40. Does the excess policy only apply to Riders? If so, they will also have a basic Major Medical Expenses policy. Please confirm.

A: This coverage is being removed. Please refer to Amendment 0004.

41. Please give us more details about the retention fee in section B.3. Please confirm.

A: The retention amount is part of the premium and may include, but not be limited to, overhead, general administrative costs, profit, etc. Essentially, it includes all costs except the actual portion of the premium intended to fund claims paid to the health care provider/claimant. This amount will not be adjusted (increased) for any reason. Please read carefully section B.3.1 and B.3.2.

42. Confirm whether the plan is International and the policy's sum insured, deductible, coinsurance, and medical tabulator conditions. Please confirm.

A: Question is unclear.

43. We request to be provided with the list of insureds with the exact age and gender of each, as well as the detailed claims report. Please confirm.

A: Please refer to Amendment 0004.

44. How many insured people the excess policy has? Can you share more information about this? Please confirm.

A: This coverage is being removed. Please refer to Amendment 0004.

45. Do you consider waiting periods for coverage? (e.g. 4-year waiting period for AIDS coverage). Please confirm.

A: No.

46. The quote is for one year and for the next 4 years is an estimate? Or year after year we will be quoting the renewal. Please confirm.

A: No. The Contractor shall comply with the rates per premium stated in the contract for the Base Year and Each Option Year. The total amount to pay will vary depending on the number of employees actually insured each year.

47. The policy will be a group program and it is only needed individual certificates per insured. Please confirm.

A: Correct.

48. Will Riders pay for their policy separately? Would they be on a different policy or on the same policy but in a different subgroup? Please confirm.

A: Correct. They are in the same policy but in different subgroup.

49. The premium is paid to the insurance company 100% by the Embassy for both the basic major medical expenses policy and excesses? Please confirm.

A: The U.S.G. shall pay the Contractor for the premiums of the benefits listed in Section C. Excess coverage is being removed. Please refer to Amendment 0004.

50. The insurance company’s representative who will be receiving claims documents from insured will have a designated spot at the Embassy? The claims requests will be in Spanish. Please confirm.

A: Yes.

51. Is the Embassy able to provide us the documentation in accordance with Article 492 (constitutive act, legal power, legal representative ID, among others)? Please confirm.

A: Will be reviewed upon award.

52. Who will be signing the Exhibit 4? Please confirm.

A: The offerors shall submit in their proposal the payment registration form that is applicable.

53. IRS Form W-14 does not apply to Mexican insurance companies. Please confirm.

A: All local offerors shall submit IRS Form W-14 in their proposals.

54. How many employees do you estimate to contract the excess policy? Please confirm.

A: Please refer to question 44.

55. Please provide us more details about the International Pool scheme. Please confirm.

A: Please refer to Sections L.4.3.2. Profit Sharing Credit and L.4.3.3. Employee Pool.

56. Please confirm that the customer identification information for the file will be given to the awarded insurance company, which must contain at least: general data, legal appointment or power of attorney of the legal representative, official identification of the legal representative; to comply with section 492 of the “Ley de Instituciones de Seguros y Fianzas”. Please confirm.

A: Will be reviewed upon award.

57. Please confirm that it is a direct negotiation with the insurance company without an intermediary.

A: The U.S. Government will have direct negotiation with the insurance company;

however, an intermediate, agent or broker can participate in the process.

58. Please confirm that there will be no inconvenience to deliver the contract in advance and grant the necessary facilities so that the winning bidder can carry out a prior review.

A: Question is unclear.

59. Please confirm that all conditions not established and/or specified in the bidding conditions, attachments and modifications derived from this clarification meeting, will operate in accordance with the general conditions and endorsements of the winning bidder's policy.

A: The contract shall prevail and any ambiguities will be reviewed on a case by case basis.

60. Based on the updating of the registry in the sam portal that us government providers can receive payments, it wil requested the letter signed by a notary public so that the insurer can carry out the pertinent procedures.

A: Question is unclear. Please contact the Federal Service Desk for any questions about SAM registration.

61. Please to indicate if the content of this will prevail over the general conditions of the policy and that in case of ambiguity the general conditions will apply.

A: The contract shall prevail and any ambiguities will be reviewed on a case by case basis.

62. B.2. FIXED PREMIUM RATES. Please specify whether it is a cause for disqualification not to submit a proposal in a 5-year period.

A: Correct.

63. B.2. FIXED PREMIUM RATES. In case an update in the offered premiums is required in subsequent years, please confirm when it can be requested (intra-period, inception of the period). additionally, please confirm the time this process takes, the documentation that must be submitted, and confirm whether an increase can be made for expenses of the insurer.

A: Please refer to Section B.4.1. Premium Adjustment Based on Experience. An increase cannot be made for expenses.

64. B.2. FIXED PREMIUM RATES. Please confirm that the offered net premium will be updated in case of variations in the population in subsequent periods.

A: Correct.

65. B.3 ADMINISTRATIVE RETENTION AMOUNTS. Please provide further details on this section.

A: Please refer to question 41.

66. B.3 YEARLY RETENTION AMOUNTS PER EMPLOYEE. Please specify whether it is a cause for disqualification not to be able to make costs transparent.

A: Yes.

67. Please confirm that USG, ORE and APHIS share loss experience.

A: Question is unclear. Please refer to Amendment 0004.

68. B.2. FIXED PREMIUM RAT. Please confirm that USG, ORE and APHIS are contained in the submitted loss experience; however, only the USG cost will be indicated in this section, for ore and aphis costs, A: Question is unclear. Please refer to Amendment 0004.

69. please specify whether they will be calculated according to the average premium or based on the tariff resulting from USG.

A: Question is unclear.

70. C.1.1 EMPLOYEE AND DEPENDENT HEALTH SERVICE BENEFITS. Please specify how “Minimum Coverage” applies to the operation. For instance, in cases indicating 80%, 20% corresponds to coinsurance?

A: Correct.

71. C.1.1 EMPLOYEE AND DEPENDENT HEALTH SERVICE BENEFITS. please specify how the percentages indicated in outpatient “outpatient: 80%” apply to the operation.

A: Question is unclear.

72. C.1.1 EMPLOYEE AND DEPENDENT HEALTH SERVICE BENEFITS. Please confirm whether the requested conditions are those currently attached to the program;

otherwise, please specify the new conditions or the modifications made.

A: Question is unclear. Please refer to question 9.

73. C.1.1 EMPLOYEE AND DEPENDENT HEALTH SERVICE BENEFITS, Please confirm the requested sums insured, deductibles, coinsurances, reimbursement table/scale/schedule.

A: Please refer to Section C and Question 10.

74. C.1.1 EMPLOYEE AND DEPENDENT HEALTH SERVICE BENEFITS, Please specify whether it is a cause for disqualification not to provide a 0 deductible, since a deductible must apply because this is a major medical expenses program.

A: Please refer to Question 10.

75. C.1.1 EMPLOYEE AND DEPENDENT HEALTH SERVICE BENEFITS. Please confirm whether the specified sum insured is per loss, not subject to reinstatement in case of exhaustion of sum insured.

A: The maximum coverage per covered individual per covered illness or accident for the life of the contract is $50,000,000 MXN Pesos per individual, per event, per contract length (i.e. 5 years).

76. C.1.1 EMPLOYEE AND DEPENDENT HEALTH SERVICE BENEFITS. please confirm that the former conditions are those currently attached to the program.

A: Question is unclear.

77. C.1.1 EMPLOYEE AND DEPENDENT HEALTH SERVICE BENEFITS. Please specify whether it is a cause for disqualification not to grant all the requested coverages.

A: Please refer to Question 15.

78. C.1.1 EMPLOYEE AND DEPENDENT HEALTH SERVICE BENEFITS C.1.1.6

Pediatric Services. Please specify whether it is a cause for disqualification not to cover the primary and preventive care services, since it is a major (other than minor) medical expenses program.

A: Please refer to Question 15.

79. C.1.1 EMPLOYEE AND DEPENDENT HEALTH SERVICE BENEFITS C.1.1.8.

Preventive and Wellness Services and Chronic Disease Management: Please specify whether it is a cause for disqualification not to cover the primary and preventive care services, since it is a major (other than minor) medical expenses program.

A: Please refer to Question 15.

80. C.1.1 EMPLOYEE AND DEPENDENT HEALTH SERVICE BENEFITS C.1.1.8.

Preventive and Wellness Services and Chronic Disease Management: Please specify whether a Wellness plan may be offered, which would be granted by an external provider at an additional cost per insured. The different plans and costs available would be indicated in the offer.

A: Please refer to Part 1, Health Insurance Benefits and Coverages of Section L.4.3.

Volume III -- Technical Proposal.

81. C.1.1 EMPLOYEE AND DEPENDENT HEALTH SERVICE BENEFITS. Please specify whether it is a cause for disqualification not to cover vaccines, since it is a major (other than minor) medical expenses program.

A: Please refer to Question 15.

82. C.1.1 EMPLOYEE AND DEPENDENT HEALTH SERVICE BENEFITS, C.1.1.11.

Dental Care. Please specify whether it is a cause for disqualification not to provide dental care. Dental plans are available with external providers at an additional cost per insured.

The different plans and costs available would be indicated in the offer.

A: Please refer to Question 15.

83. C.1.1 EMPLOYEE AND DEPENDENT HEALTH SERVICE BENEFITS. Please specify the deductible, coinsurance and waiting periods for all requested coverages/endorsements, also specify how they will apply in case of direct payment or reimbursement.

A: Please refer to Section C and Question 10

84. C.1.1 EMPLOYEE AND DEPENDENT HEALTH SERVICE BENEFITS, C.1.1.16.

Catastrophic Coverage. Please explain how this coverage applies, which is valid only for losses opened in the following period, not applicable to losses opened before agreeing this coverage

A: Please refer to Question 26.

85. C.1.1 EMPLOYEE AND DEPENDENT HEALTH SERVICE BENEFITS, C.1.1.16.

Catastrophic Coverage. Please specify whether it is a cause for disqualification not to provide this coverage.

A: Please refer to Question 15.

86. C.1.1 EMPLOYEE AND DEPENDENT HEALTH SERVICE BENEFITS, C.1.1.16.

Out-of-Country Medical Treatment. Please specify whether this coverage is currently agreed.

A: Question is unclear.

87. C.1.1 EMPLOYEE AND DEPENDENT HEALTH SERVICE BENEFITS, C.1.1.16.

Out-of-Country Medical Treatment. Please confirm that all insureds live in Mexico.

A: Correct.

88. C.1.1 EMPLOYEE AND DEPENDENT HEALTH SERVICE BENEFITS. Please confirm that the requested coverage is considered a major (other than minor) medical expenses plan.

A: Correct.

89. C.1.1 EMPLOYEE AND DEPENDENT HEALTH SERVICE BENEFITS. Regarding all the agreed coverages, all the information requested by the claims department to deliver an expert opinion will be submitted, including, but not limited to, for instance, identification of the Insured, medical records, medical tests, etc.

A: Yes.

90. C.1.1 EMPLOYEE AND DEPENDENT HEALTH SERVICE BENEFITS. Please confirm that it is not a cause for disqualification not to provide coverage for preventive expenses, vaccines and minor medical expenses.

A: Please refer to Question 15.

91. C.1.1.18. RESERVED. Please make this point transparent.

A: It is reserved and not applicable.

92. C.1.1.19. RESERVED. Please make this point transparent.

A: It is reserved and not applicable.

93. C.1.1.20. RESERVED. Please make this point transparent.

A: It is reserved and not applicable.

94. C.1.1.21. EXCESS COVERAGE. Please confirm the sum insured of the basic policy.

A: This coverage is being removed. Please refer to Amendment 0004.

95. C.1.1.21. EXCESS COVERAGE. Please specify whether excess is requested for a group plan that will share loss experience with the basic policies.

A: This coverage is being removed. Please refer to Amendment 0004.

96. C.1.1.21. EXCESS COVERAGE. Please confirm that the contracting party will be responsible for collecting premium from the insureds and then making the respective payment to the insurer.

A: Please refer to Question 27.

97. C.1.1.21. EXCESS COVERAGE, Please confirm that the requested excess is for the current population in basic policies of all their programs.

A: Please refer to Question 44.

98. C.1.6. BROCHURE REQUIREMENT / C.1.6.1. Quality and Language.

A: Question is unclear.

99. Please specify whether the list of requested benefits is on the covered conditions or on the insurer´s value proposition.

A: Question is unclear.

100. C.1.6. BROCHURE REQUIREMENT / C.1.6.2.DELIVERY. Please specify whether the time requested for submission is 30 calendar or business days.

A: Calendar days.

101. SECTION D, PACKAGING AND MARKING. RESERVED. Please make this point clear.

A: It is reserved and not applicable.

102. H.5 REPORT REQUIREMENTS. Please confirm whether the fields in the report are only to fill in details on the claim number, name, age, location (embassy/consulate), medical condition, date on which claim is submitted to the insurer, paid amount.

A: Question is unclear.

103. H.5 REPORT REQUIREMENTS. Please confirm whether it is a cause for disqualification not to submit all the fields listed in the above paragraph.

A: Please read carefully section L.4, Contents of Proposals.

104. H.5 REPORT REQUIREMENTS. Please provide the schedule in order to classify the location.

A: Question is unclear.

105. H.5 REPORT REQUIREMENTS. Please confirm whether it is a cause for disqualification not to submit the report on outstanding claims and on the reason for which claims are not paid.

A: Yes.

106. H.5 REPORT REQUIREMENTS, Please specify why it is necessary to request a report on pending issues

A: To ensure the Contractor is complying. Additionally, it is required to justify any requests for increase of premiums when B.4. Economic Price Adjustment-Health Insurance Premiums is applicable.

107. H.5 REPORT REQUIREMENTS. Please confirm that you will comply with the requirements requested by our data privacy department for the provision of sensitive data.

Otherwise, the sharing of sensitive data will not be possible.

A: Please refer to subsection (a) Employee Claims Report of section H.5. Report Requirements.

108. Policies, endorsements and invoices will be issued in Spanish according to the applicable insurance legislation. Please confirm that only the brochure will be provided in English.

A: Please refer to question 37.

109. Please confirm that it is a self-administered policy, subject to annual adjustments according to the insurer´s current procedures.

A: No.

110. G.4.SUBMISSION OF INVOICES AND PAYMENT. G.4.1.1. ELECTRONIC

INVOICES REQUIREMENTS, We are not able to submit invoices indicating the address, since it is not tax data.

A: Invoices submitted by local companies shall comply with local Tax regulations and the requirements of our Finance Management Center.

111. G.4.SUBMISSION OF INVOICES AND PAYMENT. G.4.1.1. ELECTRONIC

INVOICES REQUIREMENTS, Please specify whether it is a cause for disqualification to submit invoices indicating data and in the specified order according to the insurer´s actual procedures.

A: Please refer to Question 110.

112. EXHIBIT 4. PAYMENT REGISTRATION FORMS. We don´t manage bank accounts, please specify that we are in a position to submit bank references.

A: Question is unclear. All offerors shall submit a payment registration form providing the banking information that will be used for the wire transfer of premiums, if the company is awarded with the Contract.

113. Please specify whether it is a cause for disqualification to reject all points contained in the RFP.

A: Yes.

114. Please specify when the ruling on the tender will be announced.

A: A specific date cannot be provided. It depends on the quantity and quality of proposals received.

115. Regarding the solicitation no. 19MX53-20-R-0001 Health Insurance, we kindly request the complete list of insured population, including gender and age (no names required).

A: Please refer to Amendment 0004.

116. We will kindly require the same information for Employee Spouses and Dependent Children.

A: Please refer to Amendment 0004.