Q&A.pdf

WRITTEN QUESTIONS RECEIVED PRIOR, DURING AND AFTER THE PRE-

QUOATIONS CONFERENCE

RFQ No.: 19RP3818R0010

LES GROUP LIFE INSURANCE SERVICES FOR U.S. EMBASSY MANILA

The answers provided in response to the questions submitted, is provided for informational purposes and under no circumstances shall it be construed to change any terms or conditions or requirements within the solicitation.

In addition, for any answer provided regarding claims data incurred under the existing contract, please be advised that this data may not be indicative of future claims. There are changes to the solicitation requirements and terms and conditions from the previous contract. Therefore, it is each offeror’s decision on whether to use or not to use this information.

However, under no circumstances shall the U.S. Government be liable for this data or shall it become the basis for a request to adjust the premium rates once the contract is awarded. Rather, offerors are advised that any adjustments to contract premium rates shall be in accordance with the Price Adjustment clause B.4.

Q1: Please provide claims information for the past periods. This information would include number of claims and amount of claims payments for each category of coverage (Basic Life, Accidental Death & Dismemberment and Partial & Total Disability Coverage. For illustration purposes we have assumed the anniversary date of the current in force contract is October 1

A1:

CONTRACT YEAR

Member

Count Premium

Paid No. of Claims Amount

Jun 1, 2012 to May 31, 2013 1058 P1,158,807.20

3 ₱3,558,000.00

Jun 1, 2013 to May 31, 2014 1033 P1,202,542.79

2 ₱924,196.00

Jun 1, 2014 to Aug 31, 2014 1040 P309,966.59

0 ₱0.00

Sep 1, 2014 to Aug 31, 2015 1074 P1,503,044.10 3 ₱2,956,489.00

Sep 1, 2015 to Aug 31, 2016 1124 P3,057,273.76 2 ₱3,815,238.00

Sep 1, 2016 to Aug 31, 2017 1127 P3,082,582.03 6 ₱10,694,123.00

Sep 1, 2017 to Mar 31, 2018 1111 P1,571,354.21 2 ₱4,753,920.50

Q2: Claims history for life Insurance for the current year and EACH of the last 5 years - 2017

(till now), 2016, 2015, 2014, 2013, and 2012. 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.

A2: See A1.

Q3: Do the above claim numbers include claims from ORE employees?

A3: ORE employees are riders and if there were any claims they would not be a part of the current contract or any future contract.

Q4: Premium history for life Insurance for the current year and EACH of the last 5 years - 2017

(till now),2016, 2015, 2014, 2013, 2012. 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.

A4: See A1.

Q5: Did the Premium history for life insurance above include the VAT? If it did then what %

VAT was included in the historical life premiums?

A5. The US Embassy is a VAT-exempt entity.

Q6: Average insured member counts for the current year and EACH of the last 5 years - 2017

(till now), 2016, 2015, 2014, 2013, 2012. 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.

A6: See A1.

Q7: Advise if 2016 benefit schedule for life insurance is the same as the benefit schedule currently being requested under 19RP3818R0010; and if not advise us on the differences.

Alternatively, you can simply provide the previous solicitation document.

A7: The schedule of benefits is the same, but due to the number of changes in the solicitation requirements and terms and conditions the information included in the previous contract is not considered relevant. Rather, each offeror needs to review the solicitation requirements to determine the firm-fixed premiums to propose for the base year and each option year.

Q8: Are there any large losses (in excess of $10,000) within the last year to date? If Yes, please provide number (please note we are not seeking protected private information, we do not need the names or identification; we just need to know the total number of large losses and the amounts to assess the risk and price accordingly).

A8: See the number of claims and total of claims set forth in A1 above.

Q9: 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.

A9: It may change but currently there are 12 employees.

Q10: Are any persons not actively at work? If Yes, please let us know the total number (please note we are not seeking protected private information, we do not need the names or identification; we just need to know the total number of people who are not actively at work to assess the risk and price accordingly).

A10: There is one employee who is not actively at work.

Q11: Are there any Disable Lives? If Yes, indicate in Exhibit A or just let us know the total number (please note we are not seeking protected private information, we do not need the names or identification; we just need to know the total number of disabled people to assess the risk and price accordingly).

A11: None

Q12: When is this plan likely to commence?

A12: The period of performance start date will be set forth in the Notice to Proceed Letter, which will be issued after contract award. However, for planning purposes only, we anticipate contract award will occur in the third quarter of Calendar Year (CY) 2018.

Q13: List of employees with gender, birthdate and monthly salary (if possible).

A13: Please see Amendment 0004 and the revised Exhibit A., which contains only the type of employee information which will be released.

Q14: Percentage of Male & Female employees

A14: Please refer to Exhibit A.

Q15: Age limit for employees –

A15: 65 years old

Q16: Coverage for overage employees

A16: Not applicable.

Q17: Claims information for the past periods. This information would include number of claims and amount of claims payment for each category of coverage ( Basic Life, Accidental Death and

Dismemberment and Partial & Total Disability Coverage. For Illustration purposes we have assumed the anniversary date of the current in force contract is October 1.

Period Premium Billed Number of Claims

Incurred

Amount of Claims

Incurred

October 1, 2017 to

(please indicate date)

October 1, 2016 to

September 30, 2017

October 1, 2015 to

September 30, 2016

October 1, 2014 to

September 30, 2015

October 1, 2013 to

September 30, 2014

A17: See A1.

Q18: I am hoping to find out if there is an incumbent contractor currently performing these services or if this is a new requirement. If there is an incumbent, could you please provide the contract number?

A18: Philam Life, SRP380-14-D-0011

Q19: Information

Age/DOB

Sex- Female or Male

A19: Please see Amendment 0004 and the revised Exhibit A., which contains only the type of employee information which will be released.

Q20: Dependent status i.e., Coverage for:

Employee (E)

Employee & Spouse (E/S)

Employee & Children (E/C)

Employee, Spouse & Children (E/S/C)

A20: Employee only

Q21: Claims History:

2013, 2014, 2015, 2016, and 2017 - the insurance carrier has this information.

A21: See A1

Q22: Catastrophic Cases - the insurance carrier will be able to identify any catastrophic claims.

A22: Prospective offerors are advised specific illness or conditions of employees are not releasable but any claims would be included under A1.

Q23: Please see below highlighted question and clarification:

1.) L.4.3.2.1 Experience and Past Performance

List of all contracts and subcontracts your company has held over the past three years for the same or similar work. Provide the following information for each contract and subcontract:

a) Date and place of performance of the contract and delivery dates and period of performance;

b) Scope of the contract, i.e., types of insurance provided and range of population covered, as well as total dollar amount;

c) Brief description of the performance requirements;

d) Comparability to the work required under this solicitation;

e) Brief discussion of any major technical problems and their resolutions.

2.) What do you mean by similar work?

A23: Contracts or subcontracts comparable to life insurance services to include the information required in a) through e).

Q24: Date contract is expected to start.

A24: See A12.

Q25: Advise if previous benefit schedule for life/health/disability insurance is the same as the benefit schedule currently being requested. If so, please provide a description of benefits.

A25: See A7.

Q26: Are there any persons who are currently hospitalized? If yes, please provide number.

A26: None.

Q27: Are any major illnesses (i.e. hemodynamics, open heart surgery, orthopedic major surgeries, organ transplants, traumatic accident, cancer and oncology cases) being treated? If yes, please provide number.

A27: Prospective offerors are advised specific illness or conditions of employees are not releasable but any claims would be included under A1.

Q28: Are there any pregnant employees/spouses? If yes, please provide number.

A28: We have 5 female employees who are pregnant.

Q29: Are there any catastrophic cases (in excess of $10,000) within the last year to date? If yes, please provide numbers and status of claim – paid/incurred.

A29: See A22.

Q30: Are there any HIV/AIDS cases? If yes, please provide total number.

A30: Yes, one employee. Prospective offerors are advised specific illness or conditions of employees are not releasable but any claims would be included under A1.

Q31: Are any employees currently disabled? If yes please provide total number

A31: No

Q32: Current vendor information: Name, Contract number, Value, Date of award and Date of expiration.

A32: See A18.

Q33: What currency should proposers use in submitting bids.

A33: Please refer to B.2., page 3, Offers and Payments in U.S. Dollars.

Q34: Membership each of last 3 years by Single, Married and Family Status.

A34: Only the employees are covered.

Q35: Percentage of local nationals.

A35: 100 percent local nationals.

Q36: Are there dependent children to be covered who are studying outside the country? If yes, please provide the country and number of dependent children studying there.

A36: Only the employees are covered.

Q37: Location(s) of insured employees.

A37: Within the Philippines.

Q38: Claims history for health insurance for the current year and each of the last 5 years.

Example Chart: Claims History

Year Number of

Members

Total amount of insurance claims (USD)

2012 199 $114,711.50

2013 200 $102,971.44

2014 205 $129,907.85

2015 210 $227,629.50

2016 235 $146,209.39

2017 205 (incurred or paid) $141,212.50

A38: See A1.

Q39: Do the above claim numbers include claims from ORE employees? (if applicable)

A39: See A3.

Q40: Premium history for health insurance for the current year and each of the last 5 years

A40: See A1.

Example Chart: Premium History

Year Number of

Members

Premiums (USD)

2012 199 $163,251.75

2013 200 $162,918.89

2014 205 $156,721.53

2015 210 $200,219.07

2016 235 $165,562.56

2017 205 $99,720.33

Q41: Did the premium history for insurance include the VAT? If so, what percentage of VAT was included in the historical premiums?

A41: See A5.

Q42: Did the premium history for insurance include Insurance Premium Tax (IPT)

a. If so, what percentage of IPT was included in the historical premiums?

A42: The current contractor is paying Insurance Premium Tax (IPT).

Q43: On page 2 section B.2.1 I see reference in ‘c’ to Partial & Total Disability Coverage. Is this RFQ including Disability coverage. If so will further details – such as plan design, premium history, claims history etc. -be provided to quote disability coverage?

A43: As stated under C.2.1.3, “The payment will be made according to the insurance company’s schedule of payments (varying by type of disability). Both death and disability benefits will not be paid for the same injury, should it be fatal.”

Q44: How much is the face amount for the Partial and Total Disability?

A44: See A43.

Q45: On the rates, did you want this on a bi-weekly basis? Will the premium payment be on a bi-weekly basis as well?

A45: Please refer to G.4.2.