REQUEST FOR PROPOSAL

SEARCH FOR MEDICAL INSURANCE SERVICE PROVIDER

FOR WATER FOR PEOPLE IN RWANDA 
 

COMPREHENSIVE GROUP MEDICAL INSURANCE SERVICES

Procuring Entity: Water For People in Rwanda 

RFP Ref Issue Date: August 11, 2026

Submission Closing Date: August 23, 2026.

Submission Channel: rwprocurement@waterforpeople.org

Contract Period: October 01, 2026 to September 30, 2027

Eligibility: Open on equal terms to all licensed insurance companies operating within the Republic of Rwanda

1. BACKGROUND AND OBJECTIVE

Water For People is an international non-profit organization working in Water, Sanitation and Hygiene (WASH) across nine countries, bringing together communities, local entrepreneurs, and governments to build sustainable water and sanitation services. In Rwanda, Water For People partners with government institutions to support the construction of water supply systems and sanitation facilities in Rulindo, Gicumbi, Karongi, Gisagara, and Nyamagabe Districts.

The objective of this RFP is to procure the services of a qualified, experienced, and legally registered direct insurance underwriter in Rwanda to provide comprehensive Group Medical Insurance Services for its local staff and their legal dependents. Retail agents, intermediaries, and insurance brokers are strictly prohibited from submitting offers. The successful bidder will provide a premium, first category group health cover.

2. DEMOGRAPHIC 

Bidders must formulate their annual premium prices using the identical population below.

• Total staff members: 29
• Total estimated Dependents: 87 (Comprising spouses, biological and legally adopted children up to 25 years old).
• Total insured beneficiaries: 116 lives.

3. SCOPE OF COVERED BENEFITS 

The chosen program must operate as a Premium First Category Corporate Framework offering a strict 0% co payment on all inpatient treatments and a 10% co-payment on outpatient services.

3.1. Inpatient Care Specifications

100% full coverage within standard limits for hospital admissions. This covers intensive care units (ICU), High Dependency Units (HDU), Neonatal Intensive Care Units (NICU), operating theatre charges, physician and specialist fees, surgeon fees, anesthetist fees, blood transfusions, major internal surgical appliances, day-care surgeries, and post-hospitalization rehabilitation management.

3.2. Outpatient Care Specifications

Comprehensive access across provider facilities. This covers general consultations (all specialties), pathology, laboratory tests, physiotherapy, diagnostic radiology, echography, digital X-rays, ECGs, computerised tomography, and advanced MRI scans.

3.3. Specialty Care & Chronic Management

• Chronic Diseases: 100% full coverage within main contract limits. This covers oncology treatments, chemotherapy, radiotherapy, organ transplants, acute renal dialysis, diabetes, hypertension, asthma, and HIV/AIDS management.
• Newborn Malformations: 100% full coverage for newborn neonatal services, incubator care, abnormalities, constitutional disabilities, and congenital malformation treatments.
• Mental Health Track: Comprehensive coverage for clinical psychiatric treatments, inpatient psychiatric hospitalizations, and psychosocial/mental health/counseling support.

3.4. Pharmacy & Preventative Inclusions

• Pharmaceutical Scope: Direct billing access to generic and brand-name drugs authorized by the Ministry of Health. This includes full cover for specialist-prescribed vitamins linked to a documented illness and specialized therapeutic toothpaste.
• Preventative Care: Full coverage for routine childhood immunizations, baby-friendly vaccines, routine annual wellness physical check-ups, and complete Hepatitis B vaccine multi-dose courses per patient.
• Family Planning: Full network access to modern family planning consultations and procedures up to RWF 50,000 per visit.

3.5. Emergency, Support and Value added Services

• Evacuation: Emergency road and air ambulance services within Rwanda for life-threatening cases (covered on a reimbursement basis).
• Travel Insurance: Complimentary international travel insurance for members travelling on official duty in the East African Community (EAC), India, and other European/America /Australia and Asian countries.
• Reporting and Account Management: Provision of quarterly utilization reports and regular health talks/sensitization sessions for all insured members upon request.
• Customer Support: Dedicated 24/7 emergency telephone hotlines.

4. TECHNICAL ASSIGNMENT CHECKLISTS & PROTECTED LIMITS FLOORS

Bidders must complete these exact tables. Any reduction of these Limits floor values, structural alteration of rows, or insertion of arithmetic estimation errors results in automatic disqualification.

• Geographical Scope: Nationwide coverage spanning all public, private, and faith-based health facilities in Rwanda.
• Regional & International Scope: East African Community (EAC) coverage, and referral to India and specify if it is subject or not to medical recommendation and pre-authorization.
• Out-of-Network Claims: Reimbursement for claims incurred where no network providers exist (at 100% cost) or outside the geographical scope (based on applicable EAC tariff rates).
• Waiting Periods: All waiting periods must be waived (coverage active from Day 1 of the contract).

Table 1: Mandatory Ceilings and Structural (Section L)

Ref Code	Medical Benefit Category	Mandatory Tender Standard Limit Floor	Bidder’s Offered Limit (RWF)	Structural Limit Model Type (Select: Standalone Pool / (Inside Main Pool)
L.1	Inpatient Cover	RWF 12,000,000 per family per annum.	( ) Separate Limit ( ) Combined General Basket
L.2	Outpatient Cover	RWF 2,500,000 per family per annum.	( ) Separate Limit ( ) Combined General Basket
L.3	Maternity Benefit	RWF 1,200,000 Standalone Pool per family. (0% co-pay floor covering delivery, prenatal, postnatal, and complications).	( ) Standalone Pool ( ) Inside Inpatient
L.4	Dental Benefit	RWF 505,000 Standalone Pool Per Person.	( ) Standalone Pool ( ) Inside Outpatient
L.5	Optical Benefit	RWF 505,000 Standalone Pool Per Person.	( ) Standalone Pool ( ) Inside Outpatient
L.6	Spectacle Frames Cap	RWF 400,000 Standalone Cap per beneficiary per annum.	( ) Standalone limit / ( ) Sub-Limit
L.7	Care Abroad Overall	RWF 8,720,000 Standalone Overall Overseas Allocation.	( ) Standalone Pool ( ) Shared Inside Inpatient
L.8	Automatic Free Top Up	100% Free Automatic Limit Top Up anytime needed with zero additional premium, provided the group loss ratio is under 70%.	( ) Accepted /( ) Rejected
L.9	Plano Lenses	Covered to distinct beneficiaries per annum, subject to advisor approval.	( ) Standalone limit /( ) Rejected
L.10	Prostheses Limit	Full cover for visceral/orthopedic prostheses or external appliances up to RWF 1,000,000 per family.	( ) Standalone limit / ( ) Sub-Limit
L.11	Last Expense (Funeral)	RWF 1,000,000 Standalone Benefit per deceased life.	Standalone Benefit Allocation

Table 2: Special Clauses and Operating Protocols (Section S)

Bidders must legally accept these guidelines. Any "Declined" selection or insertion of standalone co-insurance weights results in systemic failure.

Ref Code	Special Operating Protocol Parameter	Required Target Framework Specification	Bidder's Response (Agreed / Declined)	Reference Page in Technical File
S.1	Hospital Room Accommodation	Full Coverage in the inpatient overall limit for Standard Private Room accommodation charges, strictly excluding all VIP rooms. No numeric local currency caps allowed.
S.2	Waiting Periods Waiver	100% waived. Full scheme activation from Day 1 of contract execution across all staff.
S.3	Out-of-Network Access	100% cost reimbursement where no network providers exist or outside geographical scope.
S.4	Reimbursement TAT(Turnaround Time )	Maximum of four (4) working days to fully process and transfer out-of-pocket cash claim refunds.
S.5	Card Issuance TAT(Turnaround Time )	Mandatory production and system activation of member biometric smart cards within ≤ 2 working days from list receipt.
S.6	Invoice Settlement Timeline	Standard thirty (30) calendar days invoice settlement lifecycle upon validated receipt of an official RRA EBM invoice.
S.7	No Additional Premium Rule	Zero extra premium loading for adding newly registered legal dependents onto active family clusters during the policy year.
S.8	Prorated Exit Refunds	100% clean prorated premium refund returned to the employer for leaving staff, even if an active claim was reported.
S.9	Free Staff Replacements	Incoming staff replace departing employees at zero premium cost, inheriting the remaining unspent pool of the exited staff.
S.10	Co-Pay Management Reports	Mandatory commitment to deliver signed, audited quarterly 10% Co-Pay claims reports to facilitate employer staff refunds.
S.11	Quarterly Account Audits	Mandatory physical quarterly account performance and utilisation reviews by the Account Manager at our Kigali head office.

5. FINANCIAL PROPOSAL PRESENTATION SHEET

Bidders must summarise their pricing using this unified premium block. Bids must be quoted in Rwandan Francs (RWF). No mathematical points weighting applies to pricing; selection is pure lowest gross bidder.

OPTION 1: Rwanda Country-Wide Access Only

Provides 100% direct billing across all public, private, and faith-based healthcare facilities within the borders of Rwanda without referral walls.

Ref	Financial Component Itemisation	Quoted Annual Premium in RWF	Committee Evaluation
F.1.1	Net Annual Premium (29 Staff / 116 Lives)	( ) Compliant / ( ) Disqualified
F.1.2	Statutory Mutuelle de Santé Levies (5% of Net)	( ) Compliant / ( ) Disqualified
F.1.3	Fixed Administrative / Accessory Card Fees	( ) Compliant / ( ) Disqualified
[G1]	TOTAL GROSS CONTRACT PREMIUM (OPTION 1)	RWF	Used for Option 1 Comparison and the total figure dictate Lowest Premium Ranking.

OPTION 2: Rwanda Country-Wide + East African Community (EAC) Access

Provides 100% direct billing across the network in Rwanda plus seamless network medical provider access across the East African Community region (Kenya, Uganda, Tanzania, Burundi, South Sudan, DRC).

Ref	Financial Component Itemisation	Quoted Annual Premium in RWF	Committee Evaluation
F.2.1	Net Annual Premium (29 Staff / 116 Lives)	( ) Compliant / ( ) Disqualified
F.2.2	Statutory Mutuelle de Santé Levies (5% of Net)	( ) Compliant / ( ) Disqualified
F.2.3	Fixed Administrative / Accessory Card Fees	( ) Compliant / ( ) Disqualified
[G2]	TOTAL GROSS CONTRACT PREMIUM (OPTION 2)	RWF	Used for Option 2 Comparison and the total figure dictate Lowest Premium Ranking.

OPTION 3: Rwanda+EAC Wide Access + India Referral + Worldwide Reimbursement Plan

Provides full direct billing across Rwanda & EAC network, formal overseas referral to India/Turkey for treatments not available locally, and an out-of-network Worldwide Reimbursement framework for staff travelling abroad on a standard cash claim refund structure.

Ref	Financial Component Itemisation	Quoted Annual Premium in RWF	Committee Evaluation
F.3.1	Net Annual Premium (29 Staff / 116 Lives)	( ) Compliant / ( ) Disqualified
F.3.2	Statutory Mutuelle de Santé Levies (5% of Net)	( ) Compliant / ( ) Disqualified
F.3.3	Fixed Administrative / Accessory Card Fees	( ) Compliant / ( ) Disqualified
[G3]	TOTAL GROSS CONTRACT PREMIUM (OPTION 3)	RWF	Used for Option 3 Comparison and the total figure dictate Lowest Premium Ranking.

6. COMPREHENSIVE TENDER EVALUATION METHODOLOGY

The terms of reference will be published via eligible media platforms https://www.jobinrwanda.com/

Proposals will be evaluated using a clear, multi phase process managed by the internal evaluation team.

Phase 1: Administrative Eligibility Verification (Pass / Fail Step)

The Evaluation Committee will use the evaluation sheet below to check eligibility. Bidders must score a "Yes" on every single item. A single "No" results in immediate systemic failure.

#	Administrative Document Requirements	Bidder self-confirmation score	Committee confirmation
1	Valid Tax Clearance Certificate (RRA)	( ) Yes /( ) No	( ) Yes /( ) No
2	Valid Operating License (BNR)	( ) Yes /( ) No	( ) Yes /( ) No
3	Certified Registration Certificate (RDB)	( ) Yes /( ) No	( ) Yes /( ) No
4	Current Company Profile & Governance	( ) Yes /( ) No	( ) Yes /( ) No
5	Exhaustive Electronic Medical Providers List(PDF Format)	( ) Yes /( ) No	( ) Yes /( ) No
6	Corporate Reference Letters from atleast 5 institutions including 3 INGOs (International Non-Profit Organisations)	( ) Yes /( ) No	( ) Yes /( ) No
7	Rwanda Data Protection Law Compliance Proof	( ) Yes /( ) No	( ) Yes /( ) No
8	Curriculum Vitae (CVs) of Key Proposed Personnel- Key Account Manager / Head of Medical Department / In house Medical Doctor Case Manager	( ) Yes /( ) No	( ) Yes /( ) No
9	Audited Financial Statements of 2 years (2024-2025)	( ) Yes /( ) No	( ) Yes /( ) No
10	Letter of Submission of Bid to Water For People Duly Signed and Stamped	( ) Yes /( ) No	( ) Yes /( ) No
11	RSSB clearance certificate	( ) Yes /( ) No	( ) Yes /( ) No
ELIGIBILITY (PASS / FAIL)	PASS / FAIL	PASS / FAIL

Phase 2: Technical Score Matrix (Max 100 Marks)

Bidders who pass Phase 1 are scored on technical capacity. Bidders must achieve a minimum passing threshold score of 80 Marks (80%) to unlock the pricing stage evaluation.

• B.1. Solvency Regulations and Financial Statements (Max 40 Marks)

Last Audited Fiscal Year Solvency Margin Compliance (Ended December 2025) (Max 25 Marks)

Solvency Margin Capital Adequacy Ratio will be assessed strictly based on the most recent audited financial reporting ending December 2025.

• Solvency Margin Ratio ≥ 150% (Verified by audited certified reporting): 25Marks
• Solvency Margin Ratio 100% – 149%: 10 Marks
• Solvency Margin Ratio < 100%: 0 Marks

• Last Audited Fiscal Year Auditor's Opinion (Ended December 2025)(Max 15 Marks) 

The quality of the financial reporting will be scored strictly based on the most recent fiscal year ending December 2025.

• Unqualified (Clean) Audit Opinion achieved for the fiscal year 2025: 15 Marks
• Qualified Audit Opinion or significant auditor notes indicating liquidity constraints for the fiscal year 2025: 5 Marks
• Adverse Audit Opinion, Disclaimer of Opinion, or no statement submitted for the fiscal year 2025: 0 Marks

• B.2. Operational Responsiveness & Emergency Approvals (Max 20 Marks

Bidders must submit formal, signed, and officially stamped commitment letters on company letterhead explicitly acknowledging, guaranteeing, and binding themselves to these operational speed timelines. Failure to attach the exact proof letters required results in an automatic score of zero (0) marks for that specific component.

Evaluation Criteria	Required Specifications & Detailed Scoring Breakdown	Max Points	Bidder Self-Score	Committee Score
1. Emergency Waiver and Pre Approval Speed	Critical Access Execution: Submission of an official proof letter, duly signed and legally stamped, binding the insurance company to waive pre-approval delays during life-threatening or critical emergency admissions completely AND to process all standard non-emergency pre-authorisation requests within 30 minutes or less.	10
• Attached formal signed and stamped commitment letter guaranteeing the immediate emergency waiver AND ≤ 30 minutes standard processing TAT: 10 Marks
• No proof letter attached, or response timelines exceed 30 minutes, or conditional restrictions placed on emergencies: 0 Marks
2. Out of Pocket Cash Refund Speed	Direct Member Reimbursement Turnaround Time (TAT): Submission of an official proof letter duly signed and stamped legally binding the underwriter to process, approve, and fully transfer funds into bank accounts or mobile money accounts for approved member out of pocket cash claims (where network direct billing was unavailable) within a maximum of four (4) working days or less.	10
• Attached formal signed and stamped commitment letter guaranteeing a strict ≤ 4 working days cash refund cycle framework: 10 Marks
• Quoted reimbursement turnaround timelines exceed 4 working days or no formal commitment letter attached: 0 Marks
-	TOTAL SECTION B.2 SCORE	Maximum Component Marks	20

• B.3. Client Relationship Management and Reporting (Max 15 Marks)

Bidders must submit formal, signed, and officially stamped commitment letters on company letterhead acknowledging and guaranteeing the provision of these specific services. Failure to attach the exact proof letters required results in an automatic score of zero (0) for that specific component.

Evaluation Parameter / Criteria	Required Specifications & Detailed Scoring Breakdown	Max Points	Bidder Self-Score	Committee Score
1. Quarterly Outpatient 10% Co Pay Process	External Calculation Capacity: Submission of an official proof letter explicitly acknowledging the capacity to compile all approved outpatient provider claims data (prestataires), calculate the exact 10% Co-Pay paid by staff, and deliver signed Excel/PDF certification reports containing Employee Names and exact balances to facilitate employer-backed staff reimbursements.	10
• Attached formal signed and stamped proof letter guaranteeing full quarterly Co-Pay tracking and data compilation loops: 10 Marks
• No proof letter attached or inability to provide external certified Co-Pay reports: 0 Marks
2. Account Performance	Quarterly Head-Office Visits: Submission of an official proof letter explicitly committing the dedicated Account Manager to conduct mandatory physical or virtual quarterly assessment visits to Water For People’s Kigali office to log operational bottlenecks, review staff service experiences, and deliver formal remediation updates.	5
• Attached formal signed & stamped proof letter guaranteeing mandatory quarterly review visits and formal issue logging: 5 Marks
• Ad hoc or reactive client management support only, without formal quarterly visit commitments: 1 Marks
• No proof letter or commitment attached: 0 Marks
-	TOTAL SECTION B.3 SCORE	Maximum Component Marks	15

• B.4. Key Personnel Capacity & Underwriting Track Record (Max 15 Marks)

Bidders must attach detailed CVs and individual commitment letters(using the provided format ) for all proposed personnel.

• Key Account Manager (KAM) Profile & Client Portfolio Management ( 6 Marks)

• Experience ≥ 5 years AND actively managing ≥ 5 corporate clients accounts: 6 Marks
• Experience 3 to 4 years AND actively managing 3 to 4 corporate client accounts: 4 Marks
• Experience < 3 years or managing less than 3 corporate client accounts: 1 Mark
• No profile or CV of a KAM Attached :0 Mark

• Medical Department Leadership (Head / Director of Medical Department) (Max 5 Marks)
  • Professional doctor/manager with ≥ 3 years leading an insurance medical department: 5 Marks
  • Professional doctor/manager with less than 3 years of department leadership: 2 Marks
  • No profile or CV of a Medical Director attached: 0 Marks
• In House Medical Clinician (Case Management Specialist) (Max 4 Marks)
  • Full CV attached of a permanent active Medical Doctor or Clinical Case Manager on permanent staff to handle hospital pre-authorizations: 4 Marks
  • Incomplete CV or non-permanent/consultant status clinician: 1 Mark

Mandatory compliance notes for section B.4

Each of the three proposed key personnel listed must attach an individual, personal commitment letter, duly signed by themself. Failure to attach individual signed commitment letters for each of the three proposed staff members will result in an automatic score of zero (0) marks for the entire Section B.4.

• B.5. Relevant Experience & Corporate References (Max 10 Marks)

Experience underwriting large corporate/INGO (International Non-Profit Organisations) groups in Rwanda with at least five (5) valid performance certificates attached: 10 Marks(2 Marks for each reference)

• 5 or more valid reference letters attached: 10 Marks
• 4 valid reference letters attached: 8 Marks
• 3 valid reference letters attached: 6 Marks
• 2 valid reference letters attached: 4 Marks
• 1 valid reference letter attached: 2 Marks
• Less than 1 or no references attached: 0 Marks

The Combined Shared Basket Architecture: If an insurance company utilizes a Combined Shared Basket System, the underwriter must present a minimum overall framework limit of RWF 14,500,000 per family. This specific structural architecture is acceptable, provided that the bidder explicitly selects "Agreed" to all mandatory standalone sub-limits (L.3 Maternity, L.4 Dental, L.5 Optical, and L.7 Care Abroad) and fully honors the operational protocols defined under Section L and Section S.

Phase 3: Final Contract Selection (The Lowest Cost Rule)

Among the direct underwriters that successfully secure a complete "Pass" across all administrative parameters and score ≥ 80% on technical compliance benchmarks, the contract will be automatically awarded to the qualified bidder presenting the Lowest Total Gross Annual Contract premium [G].

Budget Protection Clause

If the final lowest gross financial offer exceeds Water For People’s approved internal budget ceiling, the procurement team reserves the right to initiate immediate pricing renegotiation protocols with that specific lowest bidder before executing contract signatures. Should the negotiation fail to achieve the required budget alignment, Water For People reserves the right to officially terminate discussions and proceed with negotiations with the next sequentially ranked qualified administratively and technically bidder.

7. BIDDER DECLARATION

This declaration must be signed and stamped by the authorised corporate officer of the insurance provider.

I, the undersigned, certify that:

1. The compliance with requested administrative eligibilitydocuments declarations provided inside these checklists is a true reflection of our corporate capabilities and network infrastructure.
2. We certify that our organisation is applying as a Direct Underwriter, utilising no third-party broker or agent.
3. We declare that we have internal review structures that evaluated our BNR Solvency Margin before submission, confirming full regulatory capital compliance.
4. We guarantee that our invoicing and premium transaction system is fully integrated with Rwanda Revenue Authority Electronic Billing Machine (RRA EBM).
5. We formally commit to processing out-of-pocket cash claim reimbursements within a maximum turnaround time of four (4) working days.
6. We guarantee immediate coverage activation for critical/emergency admissions without administrative pre-approval delays. We also commit to delivering signed, regular quarterly 10% Co-Pay reports based on approved healthcare provider claims. These reports will serve as external certification for Water For People to process the reimbursement of the 10% co-pay amounts used by staff.
7. We guarantee a 30-day premium invoice payment lifecycle and accept that any arithmetic calculation error or omission inside our financial files triggers automatic disqualification.
8. We formally guarantee that during any post evaluation negotiation or contract fine-tuning period, the insurance company will send only senior personnel who possess full executive negotiation capacity. This delegation must strictly include the specific key personnel proposed within our technical submission, namely: Head or Director of Medical Department, the designated Key Account Manager AND the permanent active Medical Doctor Case Manager responsible for handling medical authorisations

 Signature:

Official Company Stamp:

8. APPENDIX: INDIVIDUAL COMMITMENT AND AVAILABILITY LETTER TEMPLATE

(To be printed on the Insurance Underwriter’s Official Letterhead)

Date:

To:

The Country Director,

Water For People in Rwanda

P.O. Box 7022,

Kigali, Rwanda.

Subject: INDIVIDUAL STATEMENT OF AVAILABILITY, PORTFOLIO EXPERIENCE, AND OPERATIONAL COMMITMENT

Dear Sir,

I formally confirm my availability as the designated (Insert Proposed Position: e.g., Key Account Manager / Head of Medical Department / In House Medical Doctor Case Manager) and bind myself to service the Water For People account with the same premium care delivered to our five reference clients. I guarantee my full dedication for the 12-month contract lifecycle, confirming I cannot be replaced without prior written approval, will attend all negotiation sessions, and will strictly enforce the 2-day card activation and 4 working day cash reimbursement. I certify that my CV is accurate, accepting that any false declaration will result in the immediate cancellation of our technical proposal scores.

Yours faithfully,

 Signature:

Name:

Job Title (Within Company):

9. COPYRIGHTS

Copyright of all materials for this assignment will be retained by Water For People in Rwanda.

The selected firm will be contractually required to comply with Water For People’s Vendor Code of Conduct Vendor code OK.pdf and will be required to deliver a Conflict-of-Interest Certificate prior to execution of the contract. The Conflict-of-Interest Certificate requires the disclosure of any potential or actual conflicts of interest with Water For People employees or their relatives including past, current, or proposed business transactions, employment or offers of employment, or certain gifts or entertainment. Water For People will evaluate any disclosures of conflicts of interest; if Water For People determines it cannot waive or mitigate the conflict of interest, it will result in the disqualification of the selected proposer.

10. RIGHTS RESERVED

1. Water For People in Rwanda reserves the right to cancel the entire procurement process without incurring any liability whatsoever. 
2. Water For People in Rwanda reserves the right to amend any segment of the request for proposal prior to the announcement of selected candidates.
3. Water For People in Rwanda also reserves the right to remove one or more of the services from consideration for this engagement should the evaluation show that it is in Water For People’s best interest to do so.
4. Water For People in Rwanda also may, at its discretion, issue a separate engagement for any service or groups of services included in this request for proposal. Water For People may negotiate a compensation package and additional provisions to the engagement under this request for proposal.
5. Submission of a proposal does not constitute a commitment by Water For People to award an engagement or reimburse any costs incurred in preparing the submission.
6. Water For People in Rwanda reserves the right to debrief the applicants after the completion of the process due to the expected high volume of applications to avoid compromising the process.

11. APPLICATION PROCESS & SUBMISSION DEADLINE

1. Bids submitted after the exact deadline date and time will be systematically rejected.
2. Submissions must include two distinct attachments/files: a Technical Proposal and a Financial Proposal.
3. The email subject line must strictly read: “Offer for Medical Insurance”.
4. Bid openings will be conducted in a closed session. The results and outcomes will be shared via email with all participating bidders.
5. Interested companies are requested to submit their application files electronically not later than 23/08/2026 with the following subject: “Offer for Medical Insurance” to the following email: rwprocurement@waterforpeople.org.

Notes:

• Any bid with any arithmetic error in calculation or any other type of error or omission will automatically be disqualified.
• Hard copies and late submissions shall be rejected.
• Late submissions will not be considered.

Done at Kigali on 11/08/2026.

Eugene Dusingizumuremyi

Country Director