Expression of Interest - Medical Health Insurance

ARK Group DMCC invites qualified service providers to submit quotations for the provision of comprehensive medical health insurance coverage for its employees. Expression of interest must be submitted by the deadline specified above. 

Requirements: 

Health Insurance Requirements – Key Specifications

• Coverage Tiers
   Bidders should propose options for the following plan categories:
  • Class A
  • Class B
• Coverage Limits per Tier
• In-Patient Annual Coverage 100% (up to age?):
  • Class A: [limit]
  • Class B: [limit]
• Out-Patient Annual Coverage 100%:
  • Class A: [limit]
  • Class B: [limit]
• Maternity Coverage:
  • Direct maternity coverage on a continuity basis
• Life and Accidental Insurance:
  • Rate per employee, based on plan class
• Eligibility Criteria
  • Minimum number of employees: 29
  • Potential to increase or decrease based on staff turnover
  • Optional coverage for spouses and children up to 25 years of age
• Geographic Coverage
  • Worldwide coverage, aligned with Lebanon Preferred Network Tariff, including emergency services
• Network Requirements
  • Full access to an established medical network within Lebanon
  • Capability to process claims via both direct billing and reimbursement
• Value-Added Services
  • Employee Assistance Program (EAP), including psychological counselling
  • Psychotic Care
  • Infertility treatment within stated limits
  • Dental and optical benefits on a reimbursement basis 
  • Coverage for chronic and acute medications
  • Preexisting Cases
  • Physiotherapy
  • Doctor Visits
  • Prescribed Medicines
  • Obstructive Sleep Apnea (OSA) – including rental or purchase of devices.
• Exclusions
  • [as applicable]
• Supplementary Benefits (Preferred)
  • Organ transplantation, prostheses, stents, cataracts
  • Coverage for terrorism- and pandemic-related risks
  • Full coverage for road accidents, home nursing, and companion accommodation for minors
• Payment Terms
  • Flexible payment options: monthly, quarterly, semi-annual, or annual
  • Payments to be made via bank transfer to designated offshore accounts
• Proposal Validity
  • Offers must remain valid for a minimum of 60 days
  • Coverage should begin immediately upon expiry of the current policy

Claims Process & Support

• Ease and clarity of claims submission
• Reimbursement speed
• Online portal/mobile app functionality
• 24/7 helpline or account manager availability

Provider Experience & Reputation 

• Must be licensed Insurer or broker 
• Experience working with NGOs, INGOs, or similar organizations
• References or case studies
• Regulatory compliance and licenses
• Responsiveness and service quality