Call for Quotations - Medical Insurance Services - 2027

Medical Insurance Services - Terms of Reference

Coordinates with: HR

Payment: as per contract

Start - End Dates: Jan 1, 2027 - Dec 31, 2027

Introduction

Anti-Racism Movement (ARM) is a local NGO established in 2012 by a group of local activists who work together with migrant workers to secure social, economic, and gender justice for all migrant workers and racialized groups in Lebanon. We work for a just society where all migrants enjoy decent living and working conditions.

Purpose and Scope of Work

ARM seeks a medical insurance provider to provide comprehensive healthcare coverage and reliable support to employees and eligible dependents. At ARM, employee well-being is a priority and we aim to ensure that employees can access healthcare without unnecessary stress, delays, or complications related to their medical insurance coverage.

Required Healthcare Coverage

The proposed healthcare programme should include:

• Inpatient coverage: 100% coverage with an unlimited annual ceiling and access to the full hospital network.

• Outpatient coverage: 100% coverage with an unlimited annual ceiling, including eligible diagnostic tests, laboratory tests, and imaging.

• Doctors’ visits: 100% coverage, including psychiatric consultations.

• Prescription medications: 100% coverage for eligible medications.

• Dental services: Coverage specifying the annual ceiling, reimbursement percentage, and eligible treatments.

• Optical services: Coverage specifying the annual ceiling, reimbursement percentage, and eligibility for eye examinations, prescription glasses, and contact lenses.

• International health coverage: Coverage on a reimbursement basis, with clear geographical limits, eligibility conditions, and reimbursement procedures.

The proposal must clearly state the coverage available for each age bracket and insurance class, including all ceilings, deductibles, co-payments, exclusions, waiting periods, and network restrictions.

Service and Support Requirements

The provider and/or broker is expected to:

• Assign a dedicated contact person to support ARM and insured members.

• Before the policy begins, provide clear policy documents explaining coverage, exclusions, required supporting documents, and reimbursement procedures, along with an updated provider network.

• Manage enrolment, renewals, and membership changes, and facilitate medical approvals and hospital admissions, including emergencies.

• Support and track claims until resolution, provide regular updates, and explain rejected or partially reimbursed claims with reference to policy provisions.

• Agree on response, approval, and reimbursement timelines.

• Communicate changes to procedures or requirements promptly and ensure internal restructuring does not interrupt service.

• Protect the confidentiality of personal and medical information.

Required Proposal Information

• Company profile

• Company registration documents

• Quotation

ARM Commits To

• Providing the necessary organisational context, information, and resources for the assignment.

• Assigning an HR focal point to coordinate with the provider and/or broker.

• Providing accurate enrolment information and communicating staff changes promptly.

• Supporting the communication of insurance benefits and procedures to staff.

• Processing agreed payments according to the contract.

How to apply:

Please upload your company profile, registration documents & quotation in PDF Format.