Location: Addis Ababa, Ethiopia
Organization: Heifer International
Deadline: July 24, 2025
Job Description
Background
Heifer Project International is a non-governmental development organization dedicated to ending poverty and hunger in Africa. In Ethiopia, it is re-registered with the FDRE Authority for Civil Society Organizations under certificate No. 3127 and works closely with government partners on development activities.
As part of its commitment to staff wellbeing, Heifer Ethiopia invites proposals from licensed insurance providers to offer Group Term Life Insurance and Combined Accidental & Illness (CAI) packages for its regular employees.
Insurance Overview
2.1 Term Life Insurance
Term Life Insurance is intended to provide financial security to an employee’s designated beneficiaries in the unfortunate event of the employee’s death due to natural causes or illness.
The plan should offer:
- A lump-sum death benefit equivalent to 3 years (36 months) of the employee’s gross monthly salary
- Coverage that is non-taxable to the employee and disbursed directly to the nominated beneficiary(ies).
- Immediate eligibility upon commencement of regular employment
2.2 Combined Accidental and Illness (CAI) Insurance
The CAI package is intended to supplement the Term Life coverage by providing additional protection in the event of unexpected accidents or critical health conditions. This coverage should include:
Accidental Death: A benefit payout equivalent to 3 years (36 months) of gross monthly salary in the event of death caused directly and solely by accidental means
Permanent Total or Partial Disability due to Accident: A benefit payout based on a standard disability compensation schedule (percentage payout by severity).
2.3 Eligibility and Scope
- Coverage must be provided to all regular staff of Heifer Ethiopia from their first day of employment, without waiting period
- Employees working across all locations and projects must be equally covered
The policy should be portable within the organization, meaning that transfers between projects or locations should not affect the continuity of coverage
2.4 Optional Enhancements (Not Mandatory)
-
Service providers may also offer additional features or optional riders such as:
Funeral assistance
3. Scope of Services
- The selected insurer will provide group Term Life and CAI insurance coverage for all eligible Heifer Ethiopia employees. Key responsibilities include:
- Policy Setup: Customize and finalize benefit design and terms.
- Enrollment & Documentation: Facilitate member enrollment and issue policy certificates or digital ID cards.
- Claims Handling: Ensure clear procedures, timely claim processing, and transparent communication.
- Account Management: Assign a dedicated focal person for day-to-day servicing, changes, and renewals.
- Reporting: Submit quarterly claims/utilization reports and annual summaries.
- Support & Value-Add: Offer additional services where applicable, such as wellness tools to enhance employee awareness and experience.
| Proposal evaluation focus | Percentage |
| Legal credentials (Renewed license, VAT registration certificate (If the company is VAT registered), TIN certificate) and Valid insurance license | Accept/Reject |
| At least 10 years proven experience in providing life insurance coverage services (preferably INGO or development Organization) | 15% |
| Adequate expertise to manage the requested service | 10 % |
| Detailed benefit structure and exclusions | 15 % |
| Premium breakdown per employee per month | 15% |
| Claims procedures and timelines | 15% |
| Bank statement for three years at least 20 million turnovers | 10 % |
| Total | 80 % |
| Financial proposal | 20 % |
About You
Required competences and experience
- A company with valid insurance license and legal credentials (renewed trade
- license, VAT registration certificate and Tin certificate)
- At least 10 years proven experience in providing life insurance coverage services (preferably INGO or development Organization)
- An insurance company with adequate expertise to manage the requested service
- An insurance company which provides quality customer service and timeliness response to our request
- An insurance company with a strong finical capability
Proposal Requirements
Proposals should include:
- Company profile and valid insurance license
- Detailed benefit structure and exclusions
- Premium breakdown per employee per month
- Claims procedures and timelines
- Implementation plan
- References from similar clients (preferably INGOs or development organizations)
Marking
- Combination of technical criteria 80% and financial proposal 20% (Weighted Average
method)
6.Duration of the Contract agreement
- The period of the contract agreement will be for three years.
7 Time line
| No. | Activity | Due Date |
| 1 | Proposal Submission Deadline | 24th July, 2025 |
| 2 | Selection Committee review | 25th to 30th July 2025 |
| 3 | Notification of award | 2nd August, 2025 |
| 4 | Award agreement and signing | 12th August 2025 |
8.Bid Currency
- The applicants should submit their Price in Ethiopian Birr
- Financial planning
How to Apply
9. Submission Guidelines:
- Bids must be accompanied by renewed trade license/certificates, VAT, TIN Registration Certificate and other supporting letter/s that they have paid the taxes for the government.
- Bidders should submit Technical and Financial proposals separately by clearly marking them as such.
- Besides, a previous relevant experience supported with letter of recognition from client/s is/are mandatory.
- Bidders should submit their proposals in wax-sealed envelopes to the Heifer Ethiopia office on or before July 24th, 2025, at 4:00 p.m. in person to the following address:
Heifer Project International Ethiopia
Location: Gurdshola behind Top Ten Hotel/ around Ethiopian Athletics Federation
Yeka Sub-City, Woreda 9
House No. New
Telephone: (+251) 9 90332400
Addis Ababa, Ethiopia
- Proposals received after the submission deadline will not be considered. Bidders are responsible for ensuring their proposals are submitted according to the instructions stated herein.
