QA_19TH2026R0001 Life Insurance_Final.pdf

Embassy of the United States of America

Bangkok, Thailand

Solicitation No. 19TH2026R0001 – Life Insurance

Questions and Answers

1. Please advise the official entity name to be used by the U.S. Embassy in

Bangkok, as well as the official address required for the insurance application.

Answer: Official entity name: Embassy of the United States of America Official address: 120-122 Wireless Road, Lumpini, Pathumwan, Bangkok 10330 Thailand

2. Please provide the data of employees to be covered by the Life Insurance which consist of Gender, Date of Birth, Monthly Salary and Job Title/Responsibility following the table below:

Answer: We are unable to provide individual employee details such as gender, date of birth, monthly salary, and job title/responsibility due to privacy and security considerations. We appreciate your understanding and encourage you to submit your proposal based on the information already provided in the solicitation documents which includes annual minimum and maximum salary, as well as average bi-weekly salary as outlined in this document.

3. Please provide U.S. Embassy in Bangkok's History of Claim for the same Life Insurance in the past 3 years (Year 2023, 2024 and 2025).

Year No. of claims Reason of Death Amount claimed

(THB)

2021 1 Natural Death 2,452,658 2022 0 N/A 2023 1 Natural Death 1,304,752 2024 3 Natural Death 5,062,993 2025 0 N/A

4. Reference: SOW Scope of Work No. 1, point 1.3.

Please explain and elaborate what it means by: The fixed prices/premium rates THB per one thousand of salary to provide life insurance, accidental death and dismemberment and partial and total disability coverage.

Answer: Premiums are calculated using a formula considered standard in the industry whereby 1,000 in the salary currency is used along with other variables such as age bands, coverage, and other risk factors to determine the final figure.

If a potential bidder uses a proprietary formula that differs from the industry standard, that is fine; but the results need to conform with the pricing table in Section 1, paragraph 2. The U.S. Embassy will compare premium pricing across all bids as reflected in their pricing tables regardless of the method used by the bidder.

5. During the pre-quotation meeting, a 2% Tax excise was mentioned, please confirm whether it is the James Zadroga 9/11 Victims Health and Compensation Act of 2010.

Answer: Yes

6. Please advise the name of the insurance company that previously provided the same life insurance coverage to the U.S. Embassy in Bangkok.

Answer: Generali Life Assurance (Thailand) Plc.

7. As this table below about Estimated payroll (Bi-weekly in thousands) or 47,631 as shown is meaning of sum insured of each individual member or not?

Answer: Yes, just to clarify the sum insured of each individual member is THB 47,361,000 on a biweekly basis.

8. Please provide the gender, age, and sum insured of each individual. (In case this information cannot be fully provided, kindly share the gender, age, and sum insured of those with coverage exceeding 25 million for submission to the reinsurer.)

Answer: There are no employees with a sum insured exceeding THB 25 million in the event of natural death. Therefore, detailed information on gender, age, and sum insured for individuals above this threshold is not applicable.

9. Please provide the number of members who has the highest chronic claim diseases amount and sum insured amount of each member.

Answer: There is only one employee with the highest chronic claim amount.

However, chronic medical claims are not relevant to the scope of this life insurance solicitation, as life insurance coverage is not determined based on medical claim utilization. Therefore, detailed disclosure of individual chronic claim amounts is not applicable.

10. Please provide claim history information

Year No. of claims Reason of Death Amount claimed

(THB)

2021 1 Natural Death 2,452,658 2022 0 N/A 2023 1 Natural Death 1,304,752 2024 3 Natural Death 5,062,993 2025 0 N/A

11. Insurance premiums can be paid annually, semi‑annually, quarterly, or monthly, but they cannot be paid on a bi‑weekly basis., Please confirm the premium payment term you would like to proceed with. Or else can contractor issue invoice and receipt as monthly if you proceed to pay as biweekly?

Answer: Per 652.232-70 in the solicitation, invoices may be submitted bi-weekly with payments being made bi-weekly by the Government.

12. The company’s accident insurance contract does not specify that the cause of accidental death must arise from the performance of work.

Therefore, the quotation will be based on the company’s policy conditions. Kindly confirm.

Answer: Accidental death, whether or not the events are work-related, shall be covered under this contract as outlined in section 2.1, “Benefits are paid whether or not the events are work related.”

13. The proposal does not include terrorism, will it be accepted for this bidding?

Answer: If you submit a proposal that does not include coverage for acts of terrorism, it may not be considered a responsible bid. See below for solicitation excerpt.

Referring to 2.2.1 on page 9 of the solicitation:

No benefits shall be payable if an employee's death or other insurance event was caused directly or indirectly by war. War shall be defined as declared or non-declared war or any martial operations or invasion, hostile acts of foreign powers, rebellion, riot, civil war, uprising, mutiny, operations by military or usurpatory authorities, martial law or state of siege or any other similar event or reason for declaring martial law or war. A terrorist attack shall not be considered war.

This means that, under the terms described, insurance benefits should be payable for events caused by acts of terrorism.

14. Point 4.2 page 6 About Retention amounts per separate premium paid per employee. Since Retention can't be specific as amount or (Baht) due to sum insured of each member is not equally, can we propose retention amount as %?.

Answer: No, the fixed retention amount shall NOT be expressed in terms of a percentage of the premium.

4. ADMINISTRATIVE RETENTION AMOUNTS

4.1 If the Contractor requests a price adjustment under 5 below, the Contractor must present cost experience data that includes the retention amount. For purposes of any economic price adjustment, this retention amount is a fixed amount that is a part of the premium amounts in 2. This retention amount will not be adjusted for any reason. The retention amount is part of the premium and may include, but not be limited to, such costs as overhead and general and administrative costs. It will also include any profit. Essentially, it includes all costs except the actual portion of the premium intended to fund claims paid to the claimant.

4.2 Sets forth the retention amounts per premium paid for each category of premium and for each period of performance.

NOTE TO OFFEROR: Fill in the fixed retention amounts for each period of performance and for each category of premium. This fixed amount must be expressed in the currency in which the premium amount is proposed.

15. Please provide Min and Max salary.

Annual Salary (THB) Min Max

220,239 4,767,646 (As of February 2026)

16. Please provide the summary cover claim page.

Summary of Benefits

Benefit Type Coverage Amount Natural Death 24 times the employee’s monthly basic salary Accidental Death & Dismemberment (AD&D)

24 times the monthly basic salary, in addition to the natural death benefit

Work-Related Death or Disability Included under AD&D coverage Public Accidental Death As per the insurance company’s standard policy

Disability (Partial / Total) Paid according to the insurer’s schedule of benefits (varies by disability type)

Note: Death and disability benefits shall not both be paid for the same injury if the injury results in death.