Terms of Reference (ToR)
Provision of Health Insurance Services for AATF Staff in Nigeria
(2026 -2029)
1. Organizational Context
AATF (African Agricultural Technology Foundation) is an international not-for-profit organization that facilitates public-private partnerships to enhance food security and livelihoods of smallholder farmers in Sub-Saharan Africa. AATF collaborates with governments, technology owners, NGOs, and seed companies to provide agricultural innovations that improve wealth and health for African communities.
2. Purpose
AATF seeks to engage an Insurance Agency/Broker to provide comprehensive health insurance services for locally recruited staff in Nigeria and their dependents (spouse and up to four children under 24 years old).
3. Objectives
The major objectives of the health insurance services are to:-
- To provide comprehensive, high-quality medical insurance to AATF-Nigeria staff together with their dependents;
- Ensure access to quality healthcare at reasonable cost;
- Offer preventive health services and wellness programs;
- Include Group Life and Group Personal Accident coverage.
- Provide additional health services as may be requested by AATF (e.g. optional add-ons to the general policy cover, health prevention workshop, first aid training, etc.).
4. Scope of Services
a. The medical services required are (but not limited to);-
- Inpatient and outpatient care,
- Maternity cover,
- Dental cover,
- Optical cover,
- Pre-existing, congenital and chronic ailments,
- HIV/Aids and the related ailments and provision of retroviral,
- Treatment for covid-19 related illnesses,
- Mental health and related illnesses,
- Road Rescue and evacuation emergency cover,
- Other emergency and ICU-care,
- Oncology,
- Doctors, anaesthetists , operating rooms, laboratories, investigations and prescribed medicine fees.
- Vaccinations for children,
- Travel vaccines,
- General health check-ups,
- External appliances: knee braces, lumbar corset, wrist brace, and crutches.
b. The provider MUST be:-
- Able to respond immediately to all emergencies.
- Able to provide rescue and evacuation/transport within Africa.
- Having a well-worked up and functioning network with the top and medium ranked health providers in the country.
- Able to provide and dedicate personnel with relevant education and experience for this assignment.
- Appointing a limited number of focal points for AATF.
- Able to handle patients in Nigeria.
- Able to administer all medical documentation i.e., bills and or claims in a well-functioning system.
- Able to provide particular and general statistical reports of the services rendered periodically to AATF.
Note: The geographical distribution for the cover is within the borders of Nigeria.
c. Option of voluntary adds-on by individual scheme members.
The service provider to confirm areas where scheme members can individually or as a group come together and decide on their own to add some certain services to the cover without involving AATF or affecting the premium paid by the Organisation e.g. include skin care products.
5. Provider Requirements
- To have a country wide network with integrated IT System.
- To have consistent procedures for smooth access to facilities.
- Applicants to present different health care plans from different underwriters.
- To include areas that can be added at additional competitive rates.
- Immediate emergency response capability;
- Strong and accessible hospital network across Nigeria;
- Dedicated relationship and care managers;
- Robust ICT system for claims and reporting;
- Compliance with Nigerian insurance regulations;
- Ability to provide periodic statistical reports.
- Clarify time taken to process claims for reimbursements.
- Provision of additional services as may be requested by AATF
6. Contract Framework
- Service Level Agreement (SLA) for 3 years.
- Annual performance review to determine renewal every year.
- Renewable for 12-month periods with the possibility of extension with unaltered conditions;
- Clear KPIs for claims turnaround, emergency response, and customer satisfaction.
7. Scheme Population
Estimated coverage: 13 families, 46 lives. Below is the estimated population list.
- Family size No. of Families No. of Lives
- M+0 ——————– 3 ———————–3
- M+1 ———————- 0 ———————–0
- M+2 ——————— 2 ———————–6
- M+3 ——————— 4 ———————-16
- M+4 ——————— 3 – ———————15
- M+5 ——————– 1 ——————— 6
How to apply
8. Submission Requirements
The proposal should contain the following information.
- Company Profile
- Capacity statement
- Experience of the firm in handling similar projects. To be supported by List of past and present clients. At least five recommendation letters from current and previous clients.
- Technical proposal addressing, but not limited to, the following areas;
- Details how your company will meet AATF
- Scheme management /service administration
- Geographical coverage
- Network structure
- Scope of work/service provision
- Value adds
- Recommendation/commitment letters from the insurer
- Financial Proposal:
- Comprehensive and inclusive of applicable taxes.
- Should indicate different costing options from the insurer on a tabular format.
A full package of the proposal should be sent to: [email protected] by COB on 1st March 2026 with the Subject: Health Insurance Services Framework for AATF Nigeria.
Terms and conditions of the Proposal
AATF reserves the right to request new or additional information regarding each service provider and any individual or other persons associated with its project proposal.
AATF reserves the right not to make any appointment from the proposals submitted. Service providers shall not make available or disclose details pertaining to their Project proposal with anyone not specifically involved, unless authorized to do so by AATF. Service providers shall not issue any press release or other public announcement pertaining to details of their project proposal without prior written approval.
AATF Service providers are required to declare any conflict of interest they may have in the transaction for which the tender is submitted or any potential conflict of interest. AATF reserves the right not to consider further any proposal where such a conflict of interest exists or where such potential conflict of interest may arise.
Although we appreciate all applications; only shortlisted candidates will be contacted.
Confidentiality Statement
All documentation, reports, and communications under this assignment are to be treated confidential and are only to be used in connection with execution of these Terms of Reference. All intellectual property rights arising from the execution of this Terms of Reference are assigned to AATF.
