Tenders are invited for Health and Life Insurance Services to SIF Staff Members. Deadline: Sunday, 15. Feb 2026 Background: Secours Islamique France (SIF) is a Non-Governmental Organization of international based in France. Founded in 1991, SIF is an apolitical neutral organization whose objective is to provide immediate and long-term support to vulnerable population affected by natural disasters, armed conflicts and other types of crisis. SIF has been present in Lebanon since 2012, implementing projects aiming at providing assistance to the Syrian refugee populations affected by the conflict in Lebanon as well as Vulnerable Lebanese host community. Through child protection projects, basic assistance and food security, SIF contributes to the improvement of the well-being of the children and their families. SIF-Lebanon mission requires the services of an insurance company operating in Beirut Lebanon to health and life insurance services to SIF staff members. 2. Objective To provide comprehensive health and life insurance coverage for SIF staff members, ensuring financial protection, access to quality healthcare services, and peace of mind for employees and their families. The objective is to support staff well-being, enhance job security, and contribute to a safe and supportive work environment through reliable coverage, efficient claims processing, and compliance with applicable regulations. 3. Scope of Work Services/Class B Co-NSSF/List of current Employees with Ages is attached For Out-Patients (OPD) Charges / fees paid to registered general medical practitioner, specialist/external consultation, medical exams. The consultation charges of general practitioner/specialist will be paid according to existing rates/charges in such area or the approved panel hospitals. Annual General Check-up of employees if covered Maternity related to out of patients Dental based on what insurance covers Vaccination for employees/Infants/Children Psychiatric Treatment / Mental Health Support Physiotherapy. Laboratory test, x-ray and MRI examinations and other diagnostic tests etc. Eye Care if covered in OPD Hearing Aids Any additional Outpatient benefits Please provide all details with limits and waiting period if any For In-Patients (OPD) Maternity and all related subcategories Chronic Diseases Emergency Medical Coverage Mental Health Support Prosthesis and all related subcategories Epidemic/Pandemic Diseases Passive War Any additional Inpatient benefits Please provide all details with limits and waiting period if any For Life Insurance Death Benefits Disability Benefits Funeral and Repatriation Costs 24/7 Support Services Flexibility for Future Emergencies Please provide all details with limits and waiting period if any Conditions: Out-Patient (OPD) Coverage All insured persons and their dependents will have full OPD coverage. OPD expenses include all medically necessary treatments and services prescribed by a physician that do not require hospitalization. The insurer cannot refuse any check-up requested by panel if a doctor confirms in writing that treatment is needed. All approvals for insurance coverage must be given promptly to hospitals, insured persons, and dependents to avoid delays or issues. Any common documents/guidelines needed for approvals to be shared with SIF focal point (HR) by email which will share them with the employees accordingly Reimbursement claims must be settled within 15 days. In-Patient (IPD) Coverage All insured persons will have full IPD coverage, including pre-existing conditions, congenital issues, special investigations, eye treatment, and day-care cases. Injuries or death due to accidents are covered within assigned limits. Admission requests from panel hospitals must be approved if a doctor confirms in writing that hospitalization is needed. Admissions requested without medical necessity will rely on the doctors statement. Blood pressure and diabetes control admissions are allowed. Treatments for kidney/gallbladder stones (including lithotripsy) and specialized tests like MRI/CT are covered without admission conditions. Treatments for Hepatitis B/C, cancer, and open-heart surgeries are covered. Approvals for hospitals and patients must be given promptly to avoid delays. Any objections must be communicated to the SIF focal person and resolved within 7 working days. 5. Duration & Timeline - Initial one-year contract, with the possibility of renewal subject to satisfactory performance, mutual agreement, and continued operational requirements. 6. Required Qualifications Previous experience with INGOs Preferable of Availability of Web Portal/online access for health & Life insurance clients 7. Reporting & Coordination The Insurer Representative will work with the HR while all financials with the Finance Manager. All communications shall be conducted via email. However, upon need, SIF Focal representatives may contact the Insurer Representative by phone for immediate advice. 8. Payment Terms - To be determined by the Insurance company -Preferably to have a monthly payment with a detailed statement in case of addition or cancellation of a staff member policy How to apply 9. Application Process Interested candidates should submit: Company Portfolio and legal registration document. Detailed Quotation for Health and Life insurance valid for 2 months including: All conditions, benefits with coverage details and limitations Waiting Period detail of procedure used for the addition/ deletion of insured employee(s). Claim procedure and documentation requirement from SIF in case of Health, disability and death. Mode of Payment Period of Claims reimbursement Out of network/International Providers conditions Medical Rates Any additional info Detail of insurance companys offices in Lebanon. List of panel hospitals throughout Lebanon List/Testimonials from INGOs and NGO the company is working with Subsequently, only insurance that successfully pass the technical assessment of the EOI will be formally invited to the next stage of the selection process. Please note that all correspondence, proposals, and dealings with SIF Lebanon must be in English. Submitting an EOI does not imply that your firm will automatically be invited to the next stage of the process. Interested Firms/Individuals should be sent applications to (
[email protected]) and clearly mention the title Expression of Interest (EOI) Health and Life Insurance for SIF-LB: 2026 in the subject line. For any required documents and information from SIF to prepare the quotations please send email to
[email protected]. Tender Link : https://www.daleel-madani.org/calls-for-proposal
