Health Insurance for Locally Employed Staff

The U.S. Embassy Kuala Lumpur is seeking a qualified insurance provider to deliver comprehensive health‑insurance coverage for its locally employed staff and their dependents. The contractor must supply off‑the‑shelf plans that meet minimum benefit levels, administer claims within two weeks, produce monthly claims reports, and distribute benefit brochures to all covered employees. The contract is a fixed‑price, five‑year maximum term (base year plus up to four one‑year options) with a minimum guaranteed annual spend of RM 5 million and a total ceiling of RM 66 million. Key requirements include Malaysian licensing, compliance with U.S. export‑control and security restrictions, and monthly invoicing with an 8 % SST line item. • Provide full‑suite health‑insurance (hospitalization, outpatient, dental, vision, mental health, etc.) meeting specified coverage percentages. • Process employee claims within 14 days, issue monthly reports by the 10th, and handle brochure distribution. • Maintain compliance with Malaysian insurance regulations, SST tax, and U.S. sanctions/technology prohibitions; no subcontracting allowed. • Offer pricing in Malaysian Ringgit with monthly payment terms; economic price adjustments allowed after first year.