MEDICAL+LIFE+Workmen Compensation INSURANCE CONTRACT

GENERAL

For 40 years, the humanitarian aid organization Solidarités INTERNATIONAL has been committed to providing aid in the event of conflict and natural disasters. Our mission is to provide aid as quickly and as efficiently as possible to endangered populations by meeting their vital needs: drinking water, food and shelter.

After emergency, our humanitarian teams accompany the most vulnerable families and communities until they recover their livelihoods and self-sufficiency, to enable them to deal with the challenges of an uncertain future with dignity.

Solidarités INTERNATIONAL is particularly committed to fighting water-related diseases, the primary cause of death in the world today. Drawing on their expertise, our teams develop and carry out aid programs in the fields of water, sanitation and hygiene, as well as in the essential domains of food security and reconstruction.

CONTEXT

SI employees do not benefit 100% medical coverage by the NSSF,  for that, and to make sure that our employees are hospitalized in case of any injury or any other kind of sickness (during and outside working hours), we are requesting to sign an insurance contract to cover the medical, the life insurance and workmen compensation for the employees..

OBJECTIVES

The main objective of this contractual commitment with an insurance company is to cover SI staff members with Medical, Life and Workmen Compensation insurance.

EXPECTATIONS

In a more specific, but neither exclusive nor restrictive, manner:

1. Group Medical

.In Patient Benefits 100%

• Class B as an average coverage to all SI employees with an option to upgrade to class A (with additional cost paid by the employee in the case of upgrading to class A)
• Coverage of spouses of employees and their children
• Pandemic and Epidemic coverage
• Emergency Due to Accident and Sickness
• Medical Network access
• Co-Insurance
• Daily Room & Board Limit
• Intensive Care Unit
• Work Related Accident
• Pre-Existing Cases

MATERNITY COVERAGE Covered as of inception with no waiting period, 100%

• Normal Delivery, Cesarean, Legal Abortion.
• Laboratory Tests, echographies etc… related to pregnancy  
• Drugs related to pregnancy
• Doctors’ consultations during pregnancy 
• Maternity Complications
• Incubator
• Epidural
• New Born Babies As of day 0 (no waiting period)
• Circumcision Covered for new born babies
• Congenital anomalies & birth defects

Out-Patient Benefits 85%

• Doctors’ Visits
• Ambulatory Services X Rays, Laboratories Tests, etc.. 
• Physiotherapy Sessions
• Vaccinations
• Drugs

Additional Benefits:

• Organ Transplantation including cost of surgical procedures in performing an organ transplant of either a kidney, Liver, Heart, Lung, in respect of the insured person as recipient
• Bone Marrow Transplant
• Prosthesis due to accident or illness
• Stent
• Cataract including the cost of lens
• Terrorism Risk
• Chemotherapy / Radiotherapy
• Renal Dialysis
• Parkinson Disease
• Home Nursing
• Companion Room: Accommodation for a Child under the age of 12 years
• Clinical Surgeries
• Hazardous Sports
• Sleep Disorders If caused by sleep apnea, i.e. temporarily stopping of breathing during sleep
• Polysomnography
• Rental of Wheelchair
• Local Ambulance Cost
• Full in hospital coverage in case of Road Accidents
• injury or illness resulting from insurrection of war, declared or undeclared, or as a result of a riot, strike or civil commotion;
• dental examinations, x-rays, extractions, fillings and general dental care; gum diseases, related diseases and surgeries thereof; supply or fitting of eye glasses, lenses; vision tests; general health examinations; examinations for check-up purposes.
• Contraceptive measures;
• Psychological Support.

• Group Life Insurance:

-      Death (any cause)

• Applicable on all Employees up to 65y

Workmen Accident Shield:

• Accidental Death
• Permanent Partial Disability
• Permanent Total Disability
• Burial Charges
• Accidental Weekly Indemnity
• Accidental Medical Reimbursement

• Flexibility of coverage in terms of the current change of NSSF procedures and the medical situation in the country.
• Circulation of new regulations.
• Phone support.
• Email and online support.

The average number of employees at the mission is around 170 employees more or less, considering hiring and turn over.

DURATION

1 year, renewable.