Responses_to_Questions__SQA10019R003_DOHA_.pdf

19QA1009R0003 Health and Life Service Solicitation Responses to Questions

Question Answer 1 Date contract is expected to start Expected to start on or about Dec 21,2019

2 Is there will be an extension for the proposal due date Yes - The deadline has been extended to July 8,2019 on or before 11:00 a.m.

Advise if previous benefit schedule for life/health/disability insurance is the same as the benefit schedule currently being requested. a. If so, please provide a description of benefits.

Refer to Section C.1.0 for Health Insurance Services and C.2.0 Group Life Insurance for the current requirements/benefits level.

Are there any persons who are currently hospitalized?

a. If yes, please provide number

No

Are any major illnesses (i.e. hemodynamics, open heart surgery, orthopedic major surgeries, organ transplants, traumatic accident, cancer and oncology cases) being treated?

a. If yes, please provide number.

No

Are there any pregnant employees/spouses?

a. If yes, please provide number. Information not Available.

Are there any catastrophic cases (in excess of $10,000) within the last year to date?

a. If yes, please provide numbers.

b. Status of claim – paid/incurred.

In the last contract year, we had total of (4) Cases of claims above 10,000 USD. Other information is not available.

Are there any HIV/AIDS cases?

a. If yes, please provide total number.

No

Are any employees currently disabled?

a. If yes please provide total number

No

9 What currency should proposers use in submitting bids In Qatari Riyals (QAR) and you can submit your proposal in USD but we will make payment in local currency (QAR) using embassy’s official exchange rate ( 1USD ~ 3.64

QAR)

10 Membership each of last 3 years by Single, Married and Family Status Refer to Section (J) "updated Lists" in the Solicitation Amendment - other information is not available

11 Percentage of local nationals Currently, We have 112 Employees (27 Female and 85 Male), other information is not available

Are there dependent children to be covered who are studying outside the country?

a. If yes, please provide the country and number of dependent children studying there.

Yes - we have 8 dependents who are currently studying in college.

13 Location(s) of insured employees Doha, Qatar

Questions & Answers - SQA100-19-R-0003 – Health & Life Insurance

Claims history for health insurance for the current year and each of the last 5 years. Refer to Section (J) "updated Lists" in the Solicitation Amendment - other information is not available

15 Do the above claim numbers include claims from ORE employees? (if applicable) Refer to Section (J) "updated Lists" in the Solicitation Amendment - other information is not available

Premium history for health insurance for the current year and each of the last 5 years

Information not Available But the total claims value for the last (4) years available in Section J.

Did the premium history for insurance include the VAT?

a. If so, what percentage of VAT was included in the historical premiums? No.

Did the premium history for insurance include Insurance Premium Tax (IPT)

a. If so, what percentage of IPT was included in the historical premiums? No.

Personal identifying information such as Tax ID # or name etc. is not needed No PII needed.

provide: • Age/DOB • Sex- Female or Male Refer to Section (J) "updated Lists" in the Solicitation Amendment - other information is not available

Dependent status i.e., Coverage for:

• Employee (E)

• Employee & Spouse (E/S)

• Employee & Children (E/C)

• Employee, Spouse & Children (E/S/C)

Refer to Section (J) "updated Lists" in the Solicitation Amendment - other information is not available

Catastrophic Cases - the insurance carrier will be able to identify any catastrophic claims

Refer to Section C.1.0 for Health Insurance Services and C.2.0 Group Life Insurance for the current requirements/benefits level.

Claims History:

• , 2014, 2015, 2016, 2017, 2018 – and YTD the insurance carrier has this information.

Refer to Section (J) "updated Lists" in the Solicitation Amendment - other information is not available

Please provide:List of members according to the attached format. Refer to Section (J) "updated Lists" in the Solicitation Amendment - other information is not available

3 years claims experience. Refer to Section (J) "updated Lists" in the Solicitation Amendment - other information is not available

In section B.2.3 we note there are 12 single employees and 307 employees plus dependents for a total population size of 319 members. In Section J you have indicated there are 110 employees and 295 spouses and dependents for a total population of 405 members. Please reconcile this difference and provide the employee and dependent statistics for the employees and dependents we are quoting in Section B.2.3.

The current eligible employees is 112 and 284 dependents as per "updated" Section J in Solicitation amendment. While the numbers in section B - reflect the expected number of employees and dependents will be insured / covered when we will sign the contract.

Refer to Section (J) "updated Lists" in the Solicitation Amendment - other information is not available

We would like to know if you have been informed of Catastrophic cases presented last year, such as: Hemodynamics, Open Heart Surgery, Orthopedic Mayor Surgeries, Organ Transplant, Traumatic Accident, Cancer and Oncology Cases (Radio and Chemotherapy), and hospitalizations with more than 10 days.

We are not aware of any catastrophic cases between January 2018 till now.

Does this solicitation number 19QA100-19-R-0003 contain the same requirements as the current contract?

If not please provide section C from the current contract.

No. There are some changes to this new requirement. Please read RFP/RFQ. Refer to Section C.1.0 for Health Insurance Services and C.2.0 Group Life Insurance for the current requested benefits level.

29 Have there been any claims more than $10,000 within the last year? If yes, please indicate the number and amounts of such claims.

In the last contract year, we had total of (4) cases of claims above 10,000 USD. Other information is not available.

Claims Activity in Prior Periods - The number, and amount, of claims paid in prior years is one of the most important elements an insurance company uses to price insurance. We find that claims information is usually provided in the initial solicitation and if not there then provided after requested by a prospective contractor.

Please provide the last three full years and the current partial year of loss data by year of account including:

a. four + years premium billed

b. four + years number of incurred claims

c. four + years amount of incurred claims

d. four + years average number members during the year. This is the average number of employees + spouses + dependents for each period.

I've included below an example of an illustration of the information we are asking for. This illustration assumes the contract year ends on August 31.

provide:

• Age/DOB

• Sex- Female or Male Dependent status i.e., Coverage for:

• Employee (E)

• Employee & Spouse (E/S)

• Employee & Children (E/C)

• Employee, Spouse & Children (E/S/C)

Refer to Section (J) "updated Lists" in the Solicitation Amendment - other information is

• , 2014, 2015, 2016, 2017, 2018 – and YTD the insurance carrier has this information.

Refer to Section (J) "updated Lists" in the Solicitation Amendment - other information is not available

List of members according to the attached format Refer to Section (J) "updated Lists" in the Solicitation Amendment - other information is

34 3 years claims experience Refer to Section (J) "updated Lists" in the Solicitation Amendment - other information is not available

35 For Life insurance, please provide the list of members according to the attached format.

Refer to Section (J) "updated Lists" in the Solicitation Amendment - other information is not available

If these requirements are currently being performed under a contract,

a. Who is the Contractor?

b. What is the contract number and awarded date ?

c. When does the contract expire?

d. What is the current contract value?

a. Yes - We have a contract with QLM Life & Medical Insurance Company W.L.L B. The Contract number is SQA10013D0001, and it was awarded on Sep 19, 2013

c. It will expire on June 21, 2019

d. Total value for the entire contract life (Base + all options year) is ~ 9,475,118 QAR if there is an incumbent contractor currently performing these services, if similar services have been performed in the past, or if this is a new requirement. If there is an incumbent, could you please provide the contract or task order number?

Yes but this is a new requirement. Please see question 36 above.

Medical insurance quote:

1- Census list in excel format with their date of birth and gender.

2- Opening and closing population.

3- Detailed Claims history for last 3 years.

4- Report date.

5- Detailed Table of Benefits.

Refer to Section (J) "updated Lists" in the Solicitation Amendment - other information is not available

Life insurance quote:

1- Census list in excel format with their date of birth and salaries.

2- Detailed claim history for last 3 years.

3- Detailed Table of Benefits.

Claims Activity in Prior Periods - The number, and amount, of claims paid in prior years is one of the most important elements an insurance company uses to price insurance. We find that claims information is usually provided in the initial solicitation and if not there then provided after requested by a prospective contractor.

Please provide the last three full years and the current partial year of loss data by year of account including:

a. four + years premium billed

b. four + years number of incurred claims

c. four + years amount of incurred claims

d. four + years average number members during the year. This is the average number of employees + spouses + dependents for each period.

I've included below an example of an illustration of the information we are asking for. This illustration assumes the contract year ends on August 31.

Refer to Section (J) "updated Lists" in the Solicitation Amendment - other information is not available

41 We respectfully request you extend the due date for proposals by two weeks. Yes - The deadline has been extended to July 8,2019 on or before 11:00 a.m.

42 Claims history details for the past 3 years Refer to Section (J) "updated Lists" in the Solicitation Amendment - other information is not available

43 Census details including date of birth, nationality, gender and marital status Refer to Section (J) "updated Lists" in the Solicitation Amendment- other information is not available

44 List of Network Providers (Ah Ahli Hospital included?) Information not Available.

Employee census list in excel format with details including date of birth, salary, gender

Refer to Section (J) "updated Lists" in the Solicitation Amendment - other information is not available

Detailed Claims Experience for the last three years Refer to Section (J) "updated Lists" in the Solicitation Amendment - other information is not available

47 Existing benefit structure Information not Available.

Health Insurance - Census list (format as per the attached

Refer to Section (J) "updated Lists" in the Solicitation Amendment - other information is not available

49 Detailed Claims loss history Refer to Section (J) "updated Lists" in the Solicitation Amendment - other information is not available

50 Opening and closing population

51 Life Insurance Census list (format as per attached) Refer to Section (J) "updated Lists" in the Solicitation Amendment - other information is not available

52 Life Insurance Claims loss history None.

53 Life Insurance Existing table of benefits N.A

We are the current insurer of US embassy Life & Medical schemes. The current policy table of benefits are

• Death Due any Cause

• Permanent Total Disability Benefit ( Accident & Sickness )

• Permanent Partial Disability Benefit ( Accident & Sickness ) The above solicitation states the benefit sought is Death due to any cause only.

Please confirm.

Refer to section C.2.2 - The life Insurance must cover all causes of death.

55 What is the Maximum age of employee to be covered? As per the solicitation, it is mentioned as 66+.

Refer to Section C (C.1.3, C.1.4,C.1.5 & C.1.6) - There is no age limit for employees or dependents to be covered.

Page no: 8, section B.6.1, Basic life premium / 1000 salary was mentioned as 19,200. Please clarify this

Refer to Section B - Point B.6 This number reflect the summation of all the bi-weekly basic salary for all the employees divided by 1000 .

Section J, Exhibit-A, The no of members as per nationality was differing from the table 2, which is given gender wise. The earlier one was having membership of 110 and the later one was having 90. Again as per table 3 (grade wise) the membership was 110. Please confirm

Currently, We have 112 Employees ( 27 Female and 85 Male), and all number in section J will be updated based on the current employees / dependents list in the Solicitation amendment Refer to Section (J) "updated Lists" in the Solicitation Amendment.

We seek census in the attached MS Excel, which facilitates competitive terms.

Please consider ( At least provide Date of birth, Bi-weekly salary, Annual Basic rate)

Refer to Section (J) "updated Lists" in the Solicitation Amendment - other information is not available

Kindly clarify mode of RFQ submission – By email or hard copy Refer to the Cover letter “Your proposal must be submitted in a sealed envelope marked

"Proposal Enclosed for Health & Life Insurance to Benjamin Bandoh U.S Embassy Doha, 60 Would contractor personnel work within the embassy or at off-site. Contractor personnel will work off-site from contractor premises.

As we understand that the insurance you propose to your insured is a contributory plan which is 90% paid by the embassy and 10% paid by the insured. Kindly confirm on the answer of US Embassy HR officer that the 10% is paid through the embassy after deducting the same amount from the insured’s payroll and not paid by the insured directly to the insurance company as it might create compliance and regulations issues & we grab this chance to thank her for the provided clear answer during the conference

Yes (As per Confirmation from HRO during the pre-proposal conference on May 28,2019 )

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