Health Insurance Procurement for 1,227 Staff and Dependents by Muslim Hands

Muslim Hands, a relief and development organization established in 1993 with its country office in Islamabad and 13 regional and area offices across Pakistan and AJK, is procuring comprehensive health insurance coverage for the fiscal year 2026–2027. The insurance scheme must cover 1,227 persons comprising 370 employees, 261 spouses, and 596 children across all staff categories. The scope includes hospitalization with room rent limits of PKR 15,000 per day and annual per-person coverage of PKR 150,000, accidental and trauma coverage with enhanced limits, day-care surgeries, refractive eye surgery, emergency services, maternity benefits for normal delivery (PKR 70,000) and cesarean section (PKR 100,000), major medical care and dread diseases coverage of PKR 300,000 per annum, specialized investigation coverage of PKR 30,000, annual dental coverage of PKR 40,000 per family, and a multipurpose group gel pool limit of PKR 10,000,000 for 2024–2025. Bidders must submit detailed proposals including covering letters with net premium amounts, company profiles with client references, five years of tax details with NTN numbers and tax exemption certificates, registered office locations, nationwide sub-office details, panel hospital networks, authorized contact personnel, SECP registration certificates, company ratings with documentary evidence, and itemized breakdowns of discounts, operational costs, and administrative charges. Premium amounts must be inclusive of all taxes and operational costs, with annual payment terms. The successful contractor must accept all existing cases including maternity, dread diseases, and congenital conditions.

Muslim Hands seeks a health insurance provider for 1,227 beneficiaries (employees plus family members) across Pakistan for 2026–2027, with substantial annual coverage limits including hospitalization, maternity, major medical care, and a PKR 10 million group pool. This is a recurring annual contract. The issuing organization specifically states it will accept all existing medical cases, which reduces insurer risk filtering but requires operational readiness. Bidders must be SECP-registered with strong tax compliance history and demonstrated panel hospital capacity nationwide.

Who can bid: Bidders must be registered with SECP, hold valid NTN with five years of tax compliance, provide tax exemption certificates, and maintain registered offices in Pakistan with sub-office presence nationwide. Typically, health insurance providers require life insurance underwriting licenses from the State Bank of Pakistan or equivalent regulatory approval. Companies with any market reputation issues or history of misleading claims will be blacklisted.