Terms of Reference (ToRs) Consulting Services for Conducting a Study on the Landscape of Inclusive Insurance in Mozambique


The Financial Sector Deepening-Mozambique (FSDMoç) is funded by the Foreign, Commonwealth & Development Office (FCDO) and the Swedish International Development Cooperation Agency (SIDA). FSDMoç’s three core objectives are to (i) improve access to financial services for Small and Medium Enterprises (SMEs), (ii) improve access to finance for smallholder farmers and households, and (iii) create an enabling environment for financial inclusion by supporting knowledge sharing and capacity building.

In partnership with the Insurance Supervisory Institute of Mozambique (ISSM), the Mozambican insurers’ association (AMS) and the Munich Re Foundation, FSDMoç will support the organization of a Digital Conference on Inclusive Micro Insurance in Mozambique. In the last few decades, a number of dapsone gel manufacturer coupon scientific studies have shown the importance of oral sex. The most well-known is undersea the so-called "placebo pills" - pills that have the same effects as the drug. The following represents a selection https://myhorsebox.com/24132-does-ivermectin-kill-mites-95774/ of the most notable and notable lawsuits against alcoholics.com and other related defendants. The drug in question is approved by the united states food and drug administration http://thelaserclinique.co.uk/79277-does-oral-ivermectin-kill-scabies-64453/ to treat advanced breast. When you locate the desired Hondo plaquenil 200 mg precio chile drug you need, simply click on the order button and put in an order. The event is part of a series of International Inclusive Insurance Conferences, aimed at contributing for the development of inclusive insurance markets in Africa.

The conference will offer sessions for discussion around important micro insurance matters and provide information on the state of development of the micro insurance industry. Therefore, FSDMoç and the partners listed above are seeking specialized consultancy services to conduct a study on the Landscape of Inclusive Insurance in Mozambique and provide an up-to-date portrait of the market based on previously conducted studies, for instance the 2018 Roadmap for Microinsurance Development in Mozambique.


The main objective of this consultancy is to conduct a study on the landscape of inclusive insurance in Mozambique, to be presented In the upcoming digital inclusive insurance conference scheduled for March 2021.

The scope of the work include:

  • Conduct a diagnosis on the inclusive insurance by reviewing all previous work conducted on the Mozambican Inclusive Insurance Landscape;
  • Based on desk research and results from the diagnosis, collected additional information to feel the gaps;
  • Prepare and submit the final study on the landscape of inclusive insurance in Mozambique, including a short country description or summary (one pager information) about the landscape.

More specifically, it will include:

  • Hold inception meetings with the FSDMoc, ISSM and AMS teams;
  • Design the data collection tool in liaison with FSDMoc, ISSM and AMS teams for local application;
  • Present inception report outlying the research methodology, analytical approach and work plan;
  • Schedule interview dates with the market players and insurance industry stakeholders;
  • Collect microinsurance data from various market players and stakeholders;
  • Consolidate the data, finalize and clean up data and analysis tables;
  • Analyse the data and produce a detailed report and abbreviation publishable versions;
  • Develop a detailed powerpoint version of the landscape results that will be presented at the Regional conference on inclusive insurance;


Outputs from the project include:

  • Inception Report: An overview of key issues that the study should tackle; Detailed work plan and proposed analytical approach, including identification of stakeholders for interviewing, to respond to the objectives of the research;
  • Draft Report: preliminary landscape of inclusive insurance in Mozambique, including initial data analysis and reporting;
  • Final Report on the landscape (publishable version), including data cleaned up, consolidated, finalized and a detailed report produced and abbreviation publishable versions. It also include one pager summary;
  • Detailed powerpoint version of the landscape results to be presented in the conference;


The project should be completed within five weeks of contracting:

Schedule of milestones Timeframe Estimated dates

1.    Kick-off meeting held

Two days after signing of contract 25 January 2021

2.    Inception Report Submitted

One week after kick-off meeting 1 February 2021

3.    Draft Report submitted

Two weeks after submission of Inception Report 22 February 2021

4.    Final Report (publishable version), including one pager summary submitted

One week after Draft Report 1 March 2021

5.    Detailed powerpoint version of the landscape results;

Three days after comments on the Final report 5 March 2021




It is expected that the present assignment will take place between January and February 2021, and will include consultations in Maputo only. It will require a team that can provide the strategic oversight, and also data collection and analysis. The consultants will be responsible for structuring the work plan, in line with the above timeline. The final report is to be submitted latest by March 2021, given that the Regional Inclusive Insurance Conference is scheduled for March 2021. The Total Financial Proposal should not exceed the equivalent of GBP (British Pounds) £ 20,000, including translation of all documents and materials into Portuguese and English.


The Consultant will either be a firm, or an individual recruited competitively, following announcements locally and internationally, and the team should comprise at least one member with more than 6 years working experience and the remaining members with at least 3 years working experience in micro-insurance. Required qualifications will include:

  • Knowledge of micro-insurance and experience in the design and delivery of market studies in the micro insurance field;
  • Expertise in consultancy and advisory related to micro insurance, having conducted country scoping and market assessments;
  • Good multi-cultural and interpersonal skills with experience in networking with relevant partners at all levels, such as Government, donors, private sector, NGOs, local community-based organizations, associations, etc.;
  • Proven written, analytical, presentation, reporting and demonstrated computer skills;
  • Portuguese language proficiency will be an advantage but not a mandatory requirement.


Interested consultants must provide information indicating that they are qualified to perform the task. The proposals must contain a maximum of 4 pages A4 (excluding CVs and accompanying company profiles) with the following information:

  • Name of company and place of business;
  • Contact information (email, cell phone, etc.);
  • A description of company’s expertise in relation to the scope, including a description of similar assignments undertaken, and evidence of their effectiveness;
  • A description of how the assignment will be performed, including proposed methodology and approach, and indicative work plan with timeline to undertake the assignment;
  • CVs of key team members (maximum 2 pages each); and
  • A financial proposal; the costs must be broken down into professional fees and expenses, which will incorporate travel and accommodation, if necessary.


The proposals will be evaluated against the selection criteria listed above, following a qualitative and quantitative assessment, based to the items in the table below.

Selection Criteria Weighting
Technical capabilities 40%
Proposed methodology and workplan 30%
Budget 20%
Good command of Portuguese language 10%
TOTAL 100%


Proposals must be emailed to FSDMoç at fsdmoc@fsdmoc.com with the subject line “Landscape of Inclusive Insurance in Mozambique”. The emails must be received by Mid-night (Maputo Time), on Friday, 15 January 2021.

Questions or comments should be sent to the same email address no later than Wednesday, 13 January 2021.


All materials produced or acquired during the appointment – written, graphic, film, digital audio/video or otherwise – shall remain the property of FSDMoç unless and to the extent such rights are explicitly relinquished (in whole or in part) by FSDMOÇ in writing. FSDMoç furthermore retains the exclusive right to publish or disseminate in all languages, reports arising from such materials. In the event of early termination of the appointment or non-renewal upon its expiration, the consultant shall, if requested by FSDMoç, deliver copies of all materials and data developed with FSDMoç funds. Material developed by the consultant under the TORs may not be used without prior written approval of FSDMoç Intervention Lead.


FSDMoç staff will generally be listed as the authors of any publication or other communication that is produced as a result of the research conducted during the appointment. The consultant’s contribution in conducting any research will be acknowledged in any such publication. If in the reasonable view of the Intervention Lead, the consultant contributes significantly to the conceptualization and drafting of any documents, the consultant’s staff will be listed as co-author, along with the relevant FSDMoç staff. All knowledge and information not already within the public domain which the consultant may acquire from FSDMoç, its employees or by the assignment shall for all time and for all purposes be regarded by the consultant as strictly confidential and held in confidence and shall not be directly or indirectly disclosed by the consultant to any person whatsoever except with FSDMoç written consent. All outputs of the work, materials produced during the work, and all byproducts shall remain confidential unless FSDMoç authorizes public release.

Denise Alves

Leave Comment :