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REQUEST FOR PROPOSAL (RFP) – Procurement of Health and Life Insurance for 2027

12 November, 2026 Admin
Procurement TitleProcurement of Health Insurance and Life Insurance for 2027
Organization NamePartnership for Governance Reform
Reference DocumentsTerms of Reference (TOR) – Health and Life Insurance 2026
Proposal Submission DeadlineNovember 25, 2026, at 3:00 p.m. WIB
Clarification DeadlineNovember 20, 2026, at 3:00 PM WIB
Communication and Clarification ChannelsEmail
Official Email Addressprocurement@kemitraan.or.id

Note: All technical specifications, scope of work, coverage benefits, insurance limits, service requirements, and other provisions are set forth in the attached Terms of Reference (TOR), which is an integral part of this RFP document.

Background

The Partnership for Governance Reform is an organization established in 2000 with the aim of promoting governance reform in Indonesia.

To meet the health and life insurance needs of its employees, the organization intends to provide health insurance coverage for eligible employees and their dependents, as well as life insurance for employees.

This procurement is expected to provide adequate protection, improve employee well-being, and ensure the availability of high-quality insurance services that meet the organization’s needs.

Objective

The purpose of this Health and Life Insurance Program is to:

  1. Provides health insurance coverage for eligible employees and their dependents.
  2. Providing life insurance coverage for all eligible employees.
  3. Obtaining insurance services with benefits and coverage tailored to the organization’s needs.
  4. Ensuring the availability of healthcare services through a network of hospitals and adequate healthcare facilities.
  5. Obtaining responsive administrative services, claims processing, and customer support.
  6. Securing competitive premium rates while maintaining the quality of benefits and services.

Scope

This procurement covers two types of services: Health and Life Insurance

The insurance is intended for employees, their spouses, and children who meet the eligibility requirements, with coverage and services in accordance with the provisions in the Terms of Reference (TOR). Please refer to the TOR document—Health and Life Insurance 2026—attached to this Request for Proposal (RFP).

Participant Requirements

Companies interested in participating in this procurement process must meet the following requirements:

  1. It is an insurance company that holds a business license in accordance with applicable laws and regulations.
  2. The company’s legal status is currently valid.
  3. Has experience in providing health insurance and/or life insurance services to companies or organizations.
  4. It has an adequate network of hospitals, clinics, and healthcare facilities in line with the scope of services offered.
  5. Has an adequate membership administration and claims handling system
  6. Is capable of meeting the service requirements and specifications as set forth in the Terms of Reference (TOR).
  7. Be willing to comply with all stages and provisions of the procurement process established by KEMITRAAN.

Proposal Documents That Must Be Submitted

Procurement participants must submit a proposal consisting of the following documents:

1. Technical Proposal

The technical proposal must include at least the following:

  1. Company profile and general information.
  2. Company business licenses.
  3. The company’s experience in providing health and life insurance services.
  4. Explanation of the benefits and coverage offered in accordance with the Terms of Reference (TOR).
  5. Information on the network of hospitals, clinics, and healthcare facilities.
  6. Service mechanisms and claims handling procedures.
  7. Customer service standards and emergency support.
  8. Membership administration and reporting systems.
  9. Information regarding exclusions, coverage limits, and policy provisions.
  10. Additional information regarding other benefits or services offered.

2. Financial Proposal

The financial proposal must include at least the following:

  1. Health insurance premium details.
  2. Details of life insurance premiums.
  3. Premium details based on participant categories as specified in the Terms of Reference (TOR).
  4. Total premium costs offered.
  5. Taxes and other administrative fees, if any.
  6. Payment terms and mechanisms.
  7. Offer validity period.

Participants are expected to submit detailed, transparent, and easy-to-understand proposals so that each proposal can be evaluated and compared.

If there are any additional benefits or deviations from the minimum requirements in the Terms of Reference (TOR), participants must explain them in writing in their proposals.

Schedule and Stages

The procurement process will be carried out according to the following schedule:

No.Procurement StagesImplementation Period
1Publication of the RFP and TORNovember 12, 2026
2Period for Submitting Questions and ClarificationsNovember 12–20, 2026
3Deadline for submitting questions/clarificationsNovember 20, 2026
4Proposal Preparation and Submission PeriodNovember 12–25, 2026
5Deadline for proposal submissionNovember 25, 2026
6Proposal EvaluationNovember 27, 2026
7Announcement of Selection ResultsDecember 2, 2026
8Finalization of the partnership and insurance policyDecember 7, 2026

Clarification and Communication Procedures

All questions, requests for clarification, and inquiries regarding the RFP or TOR must be submitted via email.

The clarification provisions are as follows:

  1. The clarification period begins on the date of the RFP’s publication.
  2. The deadline for submitting questions is 9 (nine) calendar days from the date of publication of the RFP.
  3. Questions should be submitted via the official procurement email address.
  4. Answers to questions or clarifications will be provided via email.
  5. All official communication regarding the procurement process will be conducted in writing via email.
  6. Participants are expected to submit clear and detailed questions so that appropriate responses can be provided.

Email subject line format:

RFP Clarification – 2027 Health and Life Insurance Procurement – [Company Name]
Email address: procurement@kemitraan.or.id

Proposal Submission Mechanism

Proposals must be submitted via email no later than 14 (fourteen) calendar days from the date of the RFP’s publication.

The requirements for proposal submission are as follows:

  1. Proposals must be submitted in PDF format.
  2. Technical proposals and financial proposals must be prepared separately or clearly labeled.
  3. Proposals must be sent to the official procurement email address.
  4. Participants must ensure that the proposal has been sent and received before the specified deadline.
  5. Proposals received after the submission deadline may be deemed non-compliant with procurement requirements.

Email Subject Line Format

Proposal – 2027 Health and Life Insurance Procurement – [Company Name]
Recipient email addresses: procurement@kemitraan.or.id
Submission deadline: November 25, 2026

General Terms and Conditions

  1. Participation in this procurement process does not guarantee that a participant will be selected as an insurance service provider.
  2. All costs incurred in the preparation and submission of proposals are the responsibility of each participant.
  3. KEMITRAAN reserves the right to accept or reject proposals, either in part or in full.
  4. KEMITRAAN reserves the right to make changes to the schedule or procurement terms as necessary, with notification via email.
  5. All information provided in the TOR and RFP documents must be kept confidential and used solely for the purpose of preparing the proposal.
  6. Participants are responsible for the accuracy and validity of all information and documents submitted.
  7. If there are any discrepancies, exceptions, or requirements that cannot be met in accordance with the TOR, participants must explain them in writing in their proposals.
  8. The selection of the winning bidder will be followed by the finalization of the cooperation agreement and the terms of the insurance policy.
TOR Health & Life Insurance 2027Download

2020

This agreement was signed between Green Climate Fund (GCF) and PARTNERSHIP. This agreement formalizes KEMITRAAN’s accountability in implementing projects approved by the GCF.

For your information, the GCF is the world’s largest special fund that helps developing countries reduce greenhouse gas emissions and increase their ability to respond to climate change.

These funds were collected by the United Nations Framework Convention on Climate Change (UNFCCC) in 2010. The GCF has an important role in realizing the Paris Agreement, namely supporting the goal of keeping the average global temperature increase below 2 degrees Celsius.

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2020

This agreement was signed between Green Climate Fund (GCF) and PARTNERSHIP. This agreement formalizes KEMITRAAN’s accountability in implementing projects approved by the GCF.

For your information, the GCF is the world’s largest special fund that helps developing countries reduce greenhouse gas emissions and increase their ability to respond to climate change.

These funds were collected by the United Nations Framework Convention on Climate Change (UNFCCC) in 2010. The GCF has an important role in realizing the Paris Agreement, namely supporting the goal of keeping the average global temperature increase below 2 degrees Celsius.

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2016

In March 2016, KEMITRAAN received international accreditation from the Adaptation Fund. The Adaptation Fund Board, in its 27th meeting, decided to accredit KEMITRAAN as National Implementing Entity (NIE) from the Adaptation Fund. KEMITRAAN is the first and only Indonesian institution to be accredited as a NIE Adaptation Fund in Indonesia.
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2003

In 2003, KEMITRAAN became an independent legal entity registered as a Non-Profit Civil Partnership. At that time, KEMITRAAN was still a program managed by UNDP until the end of 2009. Since the beginning of 2010, KEMITRAAN took over full responsibility and accountability for the programs and their development.
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2000-2003

KEMITRAAN played a crucial role in supporting the development of legislation to establish the KPK. This was followed by steps to support the Government and DPR in selecting competent commissioner candidates and also supporting civil society groups to critically monitor the selection process. After the commissioners were appointed, they asked KEMITRAAN to help with the institutional design and initial recruitment of the KPK, as well as play the role of donor coordinator. It is clear that KEMITRAAN plays a key role in supporting the Corruption Eradication Commission to develop the capacity and strategies needed to work as effectively as possible.
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1999-2000

The Partnership for Governance Reform, or KEMITRAAN, was founded in 2000 following Indonesia’s first free and fair general election in 1999. This historic election is an important step in Indonesia’s efforts to move away from an authoritarian past towards a democratic future. PARTNERSHIP was established from a multi-donor trust fund and is managed by United Nations Development Programme (UNDP) with a mandate to advance governance reform in Indonesia
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