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ABOUT INKOMOKO

Inkomoko supports entrepreneurs to grow their businesses in order to improve livelihoods, create jobs, and help communities thrive.

In 2025, Inkomoko was listed by the Financial Times as the 8th fastest-growing company in Africa, supporting entrepreneurs across East and Central Africa to grow thriving businesses and build inclusive, resilient economies.

Founded in 2012, Inkomoko has worked with more than 100,000 entrepreneurs, including thousands of refugee entrepreneurs. Inkomoko provides a combination of training, consulting, access to finance, and market-level systems change. We are the largest investor to refugee entrepreneurs in Africa.

Inkomoko has 750+ staff in 40 offices across Chad, Ethiopia, Kenya, Rwanda, and South Sudan. Through Inkomoko’s 2030 strategic plan, we are adding 3 additional countries to serve more than 550,000 entrepreneurs and growing our $30M loan fund to impact 7M lives.

REQUEST FOR PROPOSAL (RFP): PROVISION OF MEDICAL INSURANCE COVER

Inkomoko Limited invites your firm to submit proposals from reputable and licensed Insurance Underwriters for the provision of comprehensive medical insurance coverage for our staff and their eligible dependents for a fully insured scheme.

1. Scope of Coverage

The required medical insurance cover should include, but not be limited to, the following benefits:

• Inpatient Cover
• Outpatient Cover
• Dental Cover
• Optical Cover
• Maternity Cover
• Chronic Illnesses Cover
• Wellness Checkups / Preventive Care
  

2. Staff Details

Insurance Category & Count ( Total Count - 262)

• M - 94
• M+1 - 41
• M+2 - 43
• M+3 - 40
• M+4 - 21
• M+5 - 15
• M+6 - 4
• M+7 -3
• M+8 - 1

3. Proposal Requirements

Your proposal should clearly outline:

1. Benefit Schedule – detailed benefits for each coverage category, including exclusions, waiting periods, and sub-limits where applicable.
2. Premium Costs – itemized quotation per category of cover, inclusive of applicable taxes.
3. Provider Network – list of hospitals, clinics, dental and optical providers, maternity facilities, and wellness centers within your network (local and international where applicable).
4. Claims Administration Process – including turnaround time for reimbursement and pre-authorization requirements.
5. Value-Added Services – wellness programs, health talks, digital claim platforms, or telemedicine services.
6. References – at least two organizations that are currently being serviced with similar coverage.
7. Summary of Underwriters’ Proposals – a consolidated comparison highlighting key benefits, premiums, exclusions, and value-added services, presented in the table format below.

Summary Table Format
Please provide a summary of 6 providers in a table format for the below categories.

Category

Inpatient Limit

Outpatient Limit

Dental Cover

Optical Cover

Chronic Illness Cover

Wellness Checkups

Exclusions / Limitations

Premium (Annual)

Provider Network Reach

Other Services

4. Evaluation Criteria

Proposals will be evaluated based on:

• Scope and adequacy of benefits.
• Competitiveness of premiums.
• Strength and reputation of the underwriter.
• Network coverage and accessibility.
• Efficiency of claims administration.
• Value-added services.
• Quality of the broker’s summary and analysis of underwriters’ proposals.
  

5. Submission Guidelines

• Proposals should be submitted in soft copy to procurement.ke@inkomoko.com no later than Friday, 24th October 2025 at 5:00pm.
• For questions or clarifications, please reach us on procurement.ke@inkomoko.com

6. Confidentiality

All information provided in response to this RFP will be treated as strictly confidential and used solely for the purpose of evaluation.

We appreciate your participation in this process and look forward to receiving the proposals.