QA__3.pdf

Third Set of Questions and Answers

LES Health and Life Insurance Services Solicitation- SSN10016R0002

1. Proposals that contain more benefits (even if there is no increase in cost) or fewer benefits that stated in the solicitation may be deemed technically unacceptable.

With reference to the above statement, there may be some terms/benefits we are not able to match exactly the same. As the benefits stated in the tender specification may not be in-line with the local market necessity therefore there may be some system constraints. Please take note that our proposed quotation may vary from tender solicitation. (Reference page 14)

Answer: The benefits proposed must be exactly as stated in the solicitation.

2. In reference to page 9, the solicitation requests quotation for coverage using multiples of 37 months for ADD, 42 months for Total Disability Coverage, and 32 months for Partial Disability Coverage.

As Total Disability and Partial Disability are part of Accidental Death & Dismemberment Coverage, thus the basis of sum assured should be the same?

Answer: These benefit levels were authorized based on prevailing practice. Thus, each offeror is required to provide these different benefit types, 42 times of last earned monthly basic salary for total disability and partial disability is 32 times of last earned monthly basic salary. (reference page 9)

3. In reference to page 15 section C.1.1.2 - 100% coverage of doctors’ and surgeons’ fees at a hospital on an outpatient basis $900 Per Illness.

Please advise if the above mentioned benefit refers to the inpatient/day surgery admission? If yes, this will be reimbursed under the benefits of the Group H&S cover up to the schedule of allowance.

Answer: No

4. In reference to page 15 (5), 100% of Outpatient Private (GP) Clinics – maximum per visit $900

Please confirm the benefit limit of $900 refers to per visit and not per year.

Answer: Yes, maximum is S$900 per visit

5. In reference to page 15 - (7) 100% coverage of Emergency Out-Patient Treatment – Maximum per Visit $2,500

Please confirm if the above benefit is referring to the GHS benefit which is the Emergency Out-Patient Treatment (Accident). If yes, please take note this must be as a result of an Accident and within twenty-four (24) hours following such an accident, an insured member shall require emergency out-patient treatment in the Out- Patient Department of a hospital or at a registered medical practitioner’s office and follow-up treatment within 31 days thereafter. (Per Disability Basis)

Answer: No, it is coverage for emergency out-patient treatment not necessarily as a result of an accident.

6. In reference to page 15 – section C.1.1.3. Prescription Drugs and Medicines: 100% coverage of expenses when hospitalised, Please confirm if the above benefit is referring to the GHS benefit which is under “Other Hospital Services” as per page 14 (s/n 3 – 100% of hospital medical expenses.

This will include drugs and medicine consumed on premises which is part of the “Other Hospital Services” benefits.

Answer: No.

100% coverage of expenses with a maximum of $900 per illness when not hospitalised.

Please confirm the above benefit is not related to GHS benefit where this will fall under Outpatient Rider.

Answer: Not related to hospitalization benefit

7. In reference to page 16 section C.1.1.11 – Physical Therapy – 100% coverage of physical therapy with a maximum of $700 per year.

Please elaborate Physical Therapy and if this is referring to Physio Therapy. If Yes, this will be under Specialist Outpatient Rider up to limit of $1,000 on page 15 – item 2.

Answer: Physical Therapy is Physiotherapy

Please confirm if this will form part of $1,000 limit under Specialist Outpatient limit or a separated limit is required.

Answer: No, it cannot be covered additionally under Special Outpatient limit of $1000. The maximum coverage for Physical Therapy/Physiotherapy is $700 per year.

(B) In reference to Page 32, section B, Item 2 - Notification of claim to employee within 2 working day

Please confirm the above requirement. Mailing of document will require 2 business days from one party to another. We would like to propose at least 10 business days.

Answer: The notice must be posted within 2 working days. The delivery time by post is not a factor and the insurer will not be held to time limit for in post transit.

8. In reference to page 32(B) Item 3 – Settlement of Claims within 3 weeks

We note the above TAT within 3 weeks and this will be based on business days.

Please confirm.

Answer: The solicitation requirement is 3 weeks and this is based on calendar days.

9. In reference to page 60 - Experience and Past Performance (a) to (g)

We may not be able to share the entire in-depth request from item (a) to (g) due to confidentiality agreements with our customers. However, we are able to share who are some of our notable policyholders.

Answer: The offeror must provide the proposal information required by Section L of the solicitation.

10. In reference to page 60 - Licensing Information

In view of confidentially licensing, please advise if it is sufficient for us to provide a screenshot of our listing on the MAS website as a proof that we are a licensed insurer.

Answer: Proof of registration with the Monetary Authority of Singapore (MAS) as a licensed insurer is sufficient if provided in electronic form.