Terms of Reference: Provision of Corporate Health Insurance Services
Catholic Relief Services
Full-time
Qualified
Posting expires Aug 25, 2026
Terms of Reference
Request for Proposal: Provision of Corporate Health Insurance Services
Date Released: August 3rd, 2026
Deadline for Response: August 25th, 2026, at 9:00 am
Email: tenders.gh@crs.org
Subject: Provision of Corporate Health Insurance Services- (Name of Company)
About CRS
Catholic Relief Services (CRS) is an international non-governmental organization supporting relief and development work in more than 100 countries. CRS serves people based on need, regardless of creed, ethnicity, or nationality. CRS works through local church and non-church partners to implement its programs, and strengthening the capacity of partner organizations is central to its work in every country where CRS operates. CRS established its presence in Ghana in 1967 and currently implements programming in areas including agriculture, health, resilience, food security, nutrition, emergency response, water, sanitation and hygiene, and related development sectors. CRS Ghana maintains staff and program operations across multiple regions of the country and seeks a qualified health insurance provider to support staff health and wellbeing in the next fiscal year.
Purpose
The purpose of this Request for Proposal is to identify and contract a qualified corporate health insurance provider to deliver comprehensive health insurance services for CRS Ghana staff and eligible dependents during the next fiscal year. The required services include routine primary and specialist care, inpatient and outpatient care, emergency medical assistance, maternity and neonatal care, chronic condition management, pharmaceutical support, diagnostics, preventive care, health education, wellness support, and other value-added services that promote staff health and wellbeing.
Quote Validity
Vendor proposals shall remain valid for 90 days from the submission deadline. For the successful bidder, the submitted financial offer shall remain valid for the agreed contract period, unless otherwise approved in writing by CRS.
Duration of Contract: The contract period shall be for the next fiscal year, from 1 October 2026 to 30 September 2027, subject to satisfactory performance, availability of funds, and CRS procurement and contract requirements.
Tender Basis
All offers shall be made in accordance with these instructions, and all documents requested should be furnished, including any required (but not limited to) supplier-specific information, technical specifications, and/or delivery schedule where applicable. If any requested document is not furnished, a reason should be given for its omission in an exception sheet.
No respondent should add, omit or change any item, term or condition herein.
If suppliers have any additional requests and conditions, these shall be stipulated in an exception sheet.
Each offeror may make one response only.
Each offer shall be valid for the period of 90 days from its date of submission.
All offers should indicate whether they include taxes, compulsory payments,including VAT, if applicable.
Suppliers should ensure that financial offers are devoid of calculation errors. If errors are identified during the evaluation process, the unit price will prevail. If there is ambiguity with the unit price, the Selection Committee may decide to disqualify the offer.
Any requests for clarifications regarding the RFP that are not addressed in written documents must be presented to CRS in writing. An answer to any question raised in writing by any offeror will be issued to that offeror. In some cases, CRS may choose to issue clarifications to all offerors. It is a condition of this tender that no clarification shall be deemed to supersede, contradict, add to or detract from the conditions hereof, unless made in writing as an Addendum to the Tender and signed by CRS or its designated representative.
This Tender does not obligate CRS to execute a contract, nor does it commit CRS to pay any costs incurred in the preparation and submission of proposals. Furthermore, CRS reserves the right to reject all proposals if such action is considered to be in the best interest of CRS.
Supplier Eligibility
Suppliers may not apply and will be rejected as ineligible if they:
Are not registered companies.
Are bankrupt or in the process of going bankrupt.
Have been convicted of illegal/corrupt activities, and/or unprofessional conduct.
Have been guilty of grave professional misconduct.
Have not fulfilled obligations related to payment of social security and taxes.
Are guilty of serious misinterpretation in supplying information.
Violate the policies outlined in CRS Anti Bribery or Anti-Corruption Statement (Bridger Checks)
Supplier (or supplier’s principals) are on any list of sanctioned parties issued by; or are presently excluded or disqualified from participation in this transaction by the United States Government or United Nations by the United States Government, the United Kingdom, the European Union, the United Nations, other national governments, or public international organizations.
Additional eligibility criteria, if applicable, are stated in section 3.2 of this tender package.
Response Documents
Either Offerors can utilize the response documents contained in this tender package to submit their offer or they can submit an offer in their own format as long as it contains all the required documents and information specified by this tender.
Acceptance of Successful Response
Documentation submitted by offerors will be verified by CRS. The winning offeror will be required to sign a contract for the stated, agreed-upon amount.
Certification Regarding Terrorism
It is CRS policy to comply with humanitarian principles and the laws and regulations of the United States, the Global Funds, host nations, and other applicable donors concerning transactions with or support to individuals or entities that have engaged in fraud, waste, abuse, human trafficking, corruption, or terrorist activity. These laws and regulations prohibit CRS from transacting with or providing support to any individuals or entities that are the subject of government sanctions, donor rules, or laws prohibiting transactions or support to such parties.
Pre-Qualification Criteria
Your company must be duly registered, licensed, and authorized to provide corporate health insurance services in Ghana. The documents below must be submitted as part of the technical bid
Technical Requirements
Offerors should submit comprehensive technical information demonstrating their capacity to meet CRS Ghana’s health insurance service requirements. Submissions should include the following:
Detailed company profile, including registered address, functional office address in Ghana, functional email address, telephone numbers, point of contact, key personnel, and in-country staff strength.
Evidence of valid company registration with the Office of the Registrar of Companies in Ghana and any other applicable statutory registration documents.
Evidence of valid registration, licensing, or authorization from the applicable Ghanaian regulatory authority, including the National Health Insurance Authority and/or National Insurance Commission, where applicable.
Detailed list of accredited hospitals, clinics, diagnostic, pharmacy, dental, optical, physiotherapy, and specialist providers across Ghana, with clear indication of coverage in CRS Ghana operational locations.
Provide documents establishing relationships with reputable public hospitals, private hospitals, diagnostic laboratories, specialist hospitals, dental clinics, eye clinics, pharmacies, physiotherapy providers, ambulance/emergency service providers, and wellness providers in Ghana, including memoranda of understanding, service agreements, or other verifiable evidence.
Evidence of financial capability and banker’s Reference letter.
Evidence of functional branches, service presence, or provider access across CRS Ghana operational locations, including verifiable addresses and contact persons.
Evidence of similar corporate health insurance contracts with reputable organizations, preferably including international non-governmental organizations or comparable institutions.
Evidence of audited financial statements for the last three completed financial years.
Evidence of tax compliance, including valid Tax Clearance Certificate and Tax Identification Number issued by the Ghana Revenue Authority.
At least three reference letters from previous or current corporate clients, including the client name, scope of services provided, contact person, telephone number, and email address.
Financial Bid/Price Quotes
All vendors are expected to submit their health care plans in a clear tabular format, including the services available under each plan, applicable provider categories, coverage limits, exclusions, and unit cost per staff member or eligible dependent. The financial bid must be submitted separately from the technical bid.
Contract Terms CRS intends to issue a Fixed Price contract to one or several company (ies) or organization(s). The successful offeror(s) shall be required to adhere to the statement of work and terms and conditions of the resulting contract. The anticipated contract is incorporated in Section 6 herein. By submitting an offer, offerors certify that they understand and agree to all of the terms and clauses contained in Section 6. |
Specific Eligibility Criteria
Eligibility Criteria
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Tender Submittals Documents and required information listed in tender submittals are necessary to support the eligibility criteria and to conduct technical evaluations of received offers (and due diligence). The absence of these documents and/or information to constitute mandatory disqualification of suppliers.. Documents supporting the Eligibility Criteria:
List of added Benefits. Documents to conduct the Technical Evaluation and additional Due Diligence: Price Offer The price offer will be used to determine best value and may serve as a basis for negotiation before contract award. The final contract will be awarded on an all-inclusive fixed-price basis. Offerors must clearly show unit prices, quantities, applicable coverage categories, and total prices. No additional profit, fees, taxes, or costs may be added after contract signing unless expressly agreed in writing by CRS. Offerors must clearly state the applicable tax treatment in Ghana. CRS will apply statutory deductions, including withholding tax where applicable, in line with Ghanaian regulations and CRS payment procedures. |
Currency Offers should be submitted in: GHS Payments will be made in GHS, subject to applicable Ghana tax regulations and CRS payment procedures. |
Tender Evaluation Based on the above submittals, a CRS Tender Committee will conduct a tender evaluation process. CRS reserves the right to accept or reject any or all proposals, and to accept the offer(s) deemed to be in the best interest of CRS. CRS will not be responsible for or pay for any expenses or losses that may be incurred by any Offeror in the preparation of their tender. Evaluations will be conducted as described in the following subsections: | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Scoring Evaluation Catholic Relief Services Tender Committee will conduct a technical evaluation which will grade technical criteria on a weighted basis (each criterion is given a percentage, all together equaling 100%). Offeror's proposals should consist of all required technical submittals so that CRS committee can thoroughly evaluate the technical criteria listed herein and assign points based on the strength of a technical submission. Award criteria shall be based on the proposal’s overall “value for money” (quality, cost, delivery time, etc.) while taking into consideration donor and internal requirements and regulations. Each individual criteria has been assigned a weighting prior to the release of this tender based on its importance to CRS in this process. Offeror(s) with the best score will be accepted as the winning offeror(s), assuming the price is deemed fair and reasonable and subject to the additional due diligence in section 3.5.2. When performing the Scoring Evaluation, the CRS tender committee will assign points for each criteria based on the following scale:
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Additional Due Diligence Upon completion of both the technical and financial evaluations, CRS may choose to engage in additional due diligence processes with a particular supplier or supplier(s). The purpose of these processes is to ensure that CRS engages with reputable, ethical, responsible Suppliers with solid financials and the ability to fulfill the contract. Additional due diligence may take the form of the following processes (though it is not limited to): ● Reference Checks ● Vendors facility visit by the due diligence committee. ● Pre-award meeting |
Scope of Work/Technical Specifications
Scope of Work (for Services)
Family of 4 means:
Principal, Spouse and 2 Dependent’s
Principal and 3 Dependent’s i.e. (3 Siblings or 2 Siblings and 1 Parent)
Family of 6 means:
Principal, Spouse and 4 Dependent’s or
Principal, Spouse, 2 Dependents, 2 Parents/3 dependents, and 1 parent.
Item Description | Quantity | Unit of Measure |
OUT-PATIENT SERVICES | ||
General Consultation | Each | Unlimited |
Special Consultation | Each | Unlimited |
Routine Laboratory tests | Each | Unlimited |
Prescribed Medicines and Drugs | Each | Unlimited |
Management of Chronic Conditions - Consultation, Prescription drugs and Laboratory tests | Each | Unlimited |
Physiotherapy | Each | Unlimited |
Prosthesis (Necessitated by accidental bodily injury) | Unlimited | |
IN-PATIENT SERVICES | ||
admissions including feeding – Private Ward | Each | Unlimited |
Additional accommodation for mothers with neonates on admission | Each | Unlimited |
General/Specialist doctor review | Each | Unlimited |
Nursing Care & Consumables | Each | Unlimited |
Drugs and infusions | Each | Unlimited |
Routine Laboratory investigations | Each | Unlimited |
Intensive Care Services | Each | Unlimited |
Advanced and Complex Investigations e.g. Echocardiogram, CT scan, MRI, etc | Each | Unlimited |
MATERNITY, OBSTETRICS AND GYNAECOLOGICAL SERVICES | ||
Antenatal Care | Each | Cover |
Normal Delivery | Each | Cover |
Induction of labour and assisted delivery | Each | Cover |
Epidural Anesthesia | Each | Cover |
Postnatal care for at least 6 weeks including RhoGAM, or Rho (D) Immune Globulin Injection pre & post-natal | Each | Cover |
Additional accommodation for mothers with, neonates on admission | Each | Cover |
C/S (Emergency & Medically indicated electives | Each | Cover |
Family Planning Services: Tubal ligation, Vasectomy & Norplant, IUCD (Intrauterine Contraceptive Device) e.g. Copper T, Lippes Loop, Pills, Injectable | Each | Cover |
75% Reimbursement for delivery Abroad: Normal Delivery and C/S | Each | Cover |
NEONATAL/PEDIATRIC SERVICES (CHILD HEALTH SERVICES) | ||
Routine NPI Immunization including pentavalent vaccines | Each | Cover |
Additional Childhood Immunization: Under 4 years (Hepatitis B, HiB, chicken pox, Measles, Small Pox, Monkey Pox,, Bird Flu, MMR, Pneumococcal, Rotavirus, meningitis, yellow fever, Varicella, diphtheria, tetanus, whooping cough, pentavalent vaccine) | Each | Cover |
Additional Immunizations: (From Birth and above) (Meningitis, Yellow Fever, Hepatitis B) | Each | Cover |
Phototherapy and Neonatal care | Each | Cover |
Incubator & Special baby care unit (2 Month) | Each | Cover |
Well Baby Clinic | Each | Cover |
Nutritional Scheme (Meetings & Tips) | Each | Cover |
Circumcision & Ear-piercing | Each | Cover |
Special baby care unit | Each | Cover |
SURGICAL SERVICES – Including day case procedure | ||
Minor Procedures | Each | Cover |
Intermediate | Each | Cover |
Major Procedures | Each | Cover |
RADIOLOGICAL SERVICES | ||
X-Rays & Ultrasound scans | Each | Cover |
CT Scan/MRI | Each | Cover |
Adult Immunization (Meningitis, Yellow Fever, Hepatitis B) | Each | Cover |
Laboratory and Diagnostic Tests | Each | Cover |
EYE CARE | ||
Primary Eye Care- Consultation, Examination, Simple or primary infection or conditions and Medications | Each | Cover |
Biennial Optical Lenses (Lenses can be changed when refractive error changes | Each | Cover |
Optical Care (Treatment of Chronic & Acute Eye Diseases) | Each | Cover |
Eye Surgeries | Each | Cover |
DENTAL CARE | ||
Primary Dental Care - Examination, Basic dental treatment, Simple amalgam or composite filling, Scaling and polishing, Non-surgical extractions and Pain therapy/ relief, preventive care. | Each | Cover |
Secondary Dental Care - Surgical tooth extraction, Root canal treatment and Orthodontics, Dental Prosthetics | Each | Cover |
ENT CARE (Ear, Nose & Throat) | ||
Treatment of ENT diseases and removal of foreign bodies | Each | Cover |
ENT Surgeries | Each | Cover |
CANCER CARE | ||
Cancer Screening | Each | Cover |
Mammogram | Each | Cover |
PSA test | Each | Cover |
Surgical Treatment | Each | Cover |
Oncology Tests | Each | Cover |
Drugs + Chemotherapy & Radiotherapy | Each | Cover |
Spirometry Electrocardiogram (ECG) & EEG | Each | Cover |
PHYSIOTHERAPY SERVICES | ||
Prescribed Physiotherapeutic appliances e.g. cervical collar, Crutches | Each | Cover |
Annual health screening: Physical examination, Urinalysis, PCV, blood, pressure, blood sugar, Hepatitis B & C, Lung/Pulmonary function test, Liver function test, E/U/Cr, Chest X-ray, ECG, Genotype, Blood group, Echocardiogram (for HTN Px)serum lipid profile, serum cholesterol and Pap smear, Prostate Specific Antigen, annual mammogram, cervical smears every 2 years for women of 30 years and above, PSA for men above 40 yrs. | Each | Cover |
Emergency Services | Each | Cover |
Evacuation (Home/Hospital to Hospital & Roadside to Hospital) | Each | Cover |
Stabilization | Each | Cover |
Emergency drug and investigation 5 days | Each | Cover |
Structured Lifestyle management programme (Pharmacy benefit management for chronic medications) | Each | Cover |
On-site Health Checks, Health Talks/ Education forum or wellness fairs | Each | Cover |
Second opinion service by Experts local and abroad | Each | Cover |
Psychiatric Treatment | Each | Cover |
Kidney Dialysis 2 Sessions | Each | Cover |
Fertility services (Investigation): Counseling, Hormonal Assay, Fertility Consultations, HSG, Seminal Fluid Analysis(SFA) and Hormone profile (Serum prolactin, Luteinizing Hormone (LH), Follicle Stimulating Hormone (FSH), Ultrasound Scan (USS), Hysteroscopy | Each | Cover |
Renal Dialysis 3 Sessions | Each | Cover |
Life and Permanent disability benefit for dependents | Each | Cover |
Corona Treatment and Vaccination | Each | Cover |
Gym unlimited | Each | Cover |
Massage sessions | Each | Cover |
Ambulance services | Each | Cover |
HIV/AIDS Care & Treatment | Each | Cover |
Inter-State Referral Services for services not available in state | Each | Cover |
Interstate travel by commercial airline, (economy category) | Each | Cover |
Accident and Emergencies; Resuscitative or Lifesaving treatment | Each | Cover |
Mortuary Services (Cleaning, Embalmment, Storage Autopsy | Each | Cover |
Hospital Accommodation (where medically necessary) | Each | Cover |
Medical enquiries | Each | Cover |
Mental Health and Psychiatric care | Each | Cover |
Medical Checkup for staff and new recruits | Each | Cover |
All other service provided by the HMO should be listed
Additional Information
The successful bidder(s) shall be notified in writing and will be invited to sign a contract with CRS
Submission of Proposals
Proposals may be delivered by courier service or email and must clearly reference the RFP title. Email submissions should be sent to tenders.gh@crs.org CRS_GHANA_HEALTH_INSURANCE_SERVICES_RFP_FY2027.
Please note:
The deadline for submission of proposals is [August 25th, 2026 @ 9:00 am prompt]. Late submissions may not be considered.
CRS is neither committed nor obliged to include any company and/or associated companies, agents or contractor on any bid list.
Be aware that this invitation to express interest does not guarantee that you will be requested to submit all other subsequent offers to CRS; it does not constitute any form of agreement or contract between our organizations.
CRS shall not be responsible for any cost incurred in responding to this invitation.
This request for proposal shall not be construed as a commitment by CRS, nor shall it entitle respondents to claim any indemnity from CRS by virtue of having responded to this solicitation.
Multiple bidding will not be acceptable.
Only financial bids from firms that meet the technical evaluation criteria will be considered.
CRS may conduct due diligence at the successful vendor’s business premises before final award.
CRS is committed to providing a safe environment for employees, beneficiaries, and contracted parties. CRS safeguarding requirements are binding on staff, board members, volunteers, subcontractors, consultants, vendors, subrecipients, and service contractors.
For further enquiries, please direct all questions to: tenders.gh@crs.org
Catholic Relief Services
Company Profile
Since 1943, Catholic Relief Services (CRS) has had the privilege of serving the poor and disadvantaged overseas. Without regard to race, creed, or nationality, CRS provides emergency relief in the wake of natural and man-made disasters.
Through development projects in education, peace and justice, agriculture, microfinance, health, and HIV and AIDS, CRS works to uphold human dignity and promote better standards of living.
CRS also works throughout the United States to expand the knowledge and action of Catholics and others interested in issues of international peace and justice.
Our programs and resources respond to the U.S. Bishops’ call to live in solidarity – as one human family – across borders, over oceans, and through differences in language, culture, and economic condition.