Request for Proposal - Staff Medical Insurance Services

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

In 2026, Inkomoko was listed by the Financial Times as the 5th 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 850+ staff in 50 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. 

All staff at Inkomoko are connected to a shared set of organizational values:

• Purpose: be solutions-oriented, produce high-quality work, and be a global leader.
• Achievement: push yourself to reach beyond what you previously thought possible. 
• Improvement: be humble, engage in continuous growth through open & accurate feedback
• Bravery: willing to take risks, create a safe space for others, be compassionate, and inclusive.
• We Eat Goat:  we celebrate success and support each other in hard times. We do this work together in the spirit of turikumwe, tuko pamoja, abren nen, Kula na sawa, On est ensemble.

Inkomoko is an affirmative action/equal opportunity employer. Refugees, women, and persons who reflect the diverse communities we serve are strongly encouraged to apply. 

As part of its commitment to strengthening the One Inkomoko Employee Experience, Inkomoko seeks to provide comprehensive, accessible, equitable and financially sustainable medical insurance benefits to eligible employees and their dependants.

Inkomoko therefore invites proposals from suitably qualified, licensed and experienced insurance providers, insurance brokerage firms and appropriately structured insurance partnerships for the provision and administration of staff medical insurance services.

The proposed arrangement should demonstrate:

• Comprehensive, competitive and sustainable healthcare benefits.
• Reliable access to quality healthcare, including remote and field locations.
• Efficient claims administration and responsive member support.
• Transparent pricing and value for money.
• Strong regulatory compliance and financial capacity.
• Effective reporting, accountability and continuous service improvement.
• Capacity to deliver consistent, high-quality medical insurance benefits across Inkomoko’s operating countries.

Interested and qualified providers are encouraged to review the full Terms of Reference (TOR) for detailed scope, eligibility requirements, proposal submission guidelines, evaluation criteria, instructions on submitting your proposal.

Link To the Full TOR

Bidders shall submit the following separately identifiable documents:

Including all technical requirements, organisational qualifications, healthcare provider-network information, service delivery arrangements and mandatory declarations.

Including completed financial quotation schedules, benefit option pricing, existing approved eligibility, country-specific premiums and consolidated contract costs.

Including regulatory licences, company registration documents, financial statements, references and other mandatory attachments.

Financial quotations shall be clearly distinguishable from the technical submission to support the approved evaluation procedure.

Link To the TOR:

Interested bidders shall submit their proposals electronically to: publicbids.ke@inkomoko.com

Proposed submission deadline: 13 November 2026, 5:00 p.m. East Africa Time (EAT).

The deadline and submission address shall be confirmed by Procurement before external issuance.

The email subject line should read: RFP 2026/2027/Med/001-Provision of Staff Medical Insurance Services-[Bidder Name]