Background & Description
  1. Background:

District Badin is the 10th largest district in Sindh Province in terms of population and 9th largest in terms of area (PBS, 2017). It has been termed as one of the highly vulnerable districts in Pakistan as per National Disaster Management Authority (NDMA, 2008). Also the situation indicates that communities in Badin are at high risks and the most vulnerable social groups include: the agriculture communities, fisher folks and women laborers. The district is at high risk from floods, droughts, cyclones, sea intrusion and epidemics etc.

Continuous and frequent climate induced disasters in Badin show that it is a long-term phenomenon and communities are in dire need of some disaster management mechanism to dampen the implication of these multiplied and frequent disasters. To cater this, BRCP Project developed a risk transfer mechanism. Risk transfer is a tool used to finance measures in order to build resilience; and it has proved to be an effective way by compensating the vulnerable population of disaster-prone areas. Disaster risk insurance is the most common and workable strategy to improvise community resilience and preparedness- Insurer company/MFI compensates the loss incurred by disaster against a premium. In comparison to post disaster relief and compensation activities this insurance offers a greater financial support to the affectees/inflicted in the form of quick access to liquid assets. Oxfam in Pakistan along with its partners is developing and implementing a strategy in the form of insurance product that is specifically designed for communities residing in Badin, keeping in mind their vulnerabilities and needs. Those who would purchase, would benefit from increased protection and would have liquid assets during the time of crisis. They would make an annual payment in the form of a nominal premium.

Moreover, it is extremely important to develop a mechanism that would help transfer risk from vulnerable communities. A micro insurance product seems like feasible and workable risk transfer mechanism for district Badin. This product is based on evidence gathering, community consultations and input from relevant stakeholders. This product is available for any community members that are susceptible to disasters and climate risks and the beneficiaries can avail a certain level of coverage for health, accidental death and income/livelihood losses against a reasonably nominal amount of annual premium. The premiums will be collected/ paid to MFIs. It is hoped that this risk transfer mechanism will not only make local communities resilient to disasters but also assist the provincial government in meeting its committed targets to the Sendai Framework.

  1. Objectives of the assignment:
  • Refine the insurance product developed, design an appropriate trigger mechanism, and identify ways of increasing the utilization of the product.
  • Obtain buy-in of key stakeholders on the product – Government, private sector, micro-finance institutions, telco’s, and community members.
  1. Scope of Work:
  • We expect that this consultancy will help us in refining the product, enhance coverage (type of insurance, premiums, and pay-outs) and the type of risks the product will cover;
  • Explore and recommend the best practical insurance delivery mechanisms (esp. non-traditional ways of delivery), especially through telco’s (for example Jazz and Telenor’s insurance products);
  • The insurance solution (premiums, pay-outs, and trigger) needs to cater to: community needs, priorities, and vulnerabilities; at the same time agreeable, viable and sustainable for insurance providers;
  • Refine, develop, and redesign the trigger Mechanism for Insurance product pay-out. Keeping the process simple but objective and easily verifiable using preferably a scientific parameter;
  • On-boarding and buy-in of key stakeholders’ private sector, telco’s, insurance providers, MFIs, agricultural advisory technology partners, and Government endorsement will also be a part of the Consultancy requirement;
  • Consultant will work relevant Government departments, Micro-finance institutions, insurance providers, and community members;
  • The consultant will be required to build on the existing knowledge and learnings of disaster risk transfer solutions (world bank Pakistan’s work on risk transfer mechanisms and OPML etc.); The consultant will understand the knowledge products developed for this project (Oxfam’s resources on disaster risk transfer, climate guard, and contingent valuation assessment on risk transfer solution in Badin. See link here:
  • The consultant will be required to work closely with the project implementation partner and departments at Oxfam.


  1. Deliverables:
  • Consultations and meetings with the Private sector (insurance providers, technology companies, telco’s Government departments (PDMA etc.) and micro-finance institutions)
  • Assessment tools
    1. Focus Group Discussions with community members
    2. Key informant interviews with Government and the Private sector (Telco’s, technology companies, MFI and insurance providers)
  • Project reports containing the following
    1. Risk Transfer solution (including trigger mechanism) with endorsement of relevant implementing parties
    2. Implementation plan with clearly defined roles and responsibilities for roll-out of the product
    3. Report with recommendations on improving the delivery design and implementation strategy
  • Launch of the insurance product


  1. Proposed Activities:


Recruitment of the consultant

Inception Meetings with Project team and Partners

Finalization of Methodology, scope of work of the assignment, and list of deliverables

FGD with community members

Consultations and KII

·         Insurers

·         MFI

·         Government Departments

·         Telco’s and technology companies

First Draft

Finalization of Report

Launch of the insurance product event

Final delivery date of the assignment is 26-June-2020


*Schedule of activities to be provided by the consultant in the proposal.

  1. Important Notes
  • The selected candidate will be required to submit final products for the deliverables mentioned above.
  • The consultant will report to the Climate Change and Resilience Project Coordinator and work in close coordination with the country team in terms of designing methodology and rolling out the consultancy.
  • For all communication, the selected candidate will be bound to adhere to the branding and sensitivity guidelines of Oxfam in Pakistan.
  • All the deliverables need to be approved by the Project team (at Oxfam in Pakistan) before being finalized. The Consultant will seek the team’s feedback and incorporate it to improve the quality of the deliverable. Oxfam has the right to suggest changes to the deliverables at any time during the period of this consultancy.

Proposal requirements:

The consultant needs to submit a narrative and financial proposal to Oxfam. The narrative proposal should include a detailed methodology and tentative workplan. The final methodology of the consultancy will be refined in consultation with the Project team.

The proposal will be evaluated on the following:

  • Past experience including some demonstration of work on disaster risk reduction and transfer mechanisms: 20%
  • Technical proposal: 30 %
  • Financial proposal: 20%
  • Methodology: 30%
Requirements and Skills
  1. Clear demonstration of 10-15 years + experience of having worked with the development sector, particularly on disaster risk reduction and conducting assessments; research institutes and universities are encouraged to apply;
  2. Have good facilitation skills, i.e. in facilitating workshops, meetings, and interviews;
  3. Strong analytical skill and quantitative and qualitative data collection;
  4. Good communication skills;
  5. Excellent writing skills.
How to Apply

Interested candidate/consultancy should submit:

  1. Submit the contact details of two referees
  2. Financial Quotation (all-inclusive budget which includes professional fees, travel, lodging expenses, communications, etc.);
  3. Sample of previous work;
  4. Registration & Taxes: The applicant firms must be registered companies /individuals having complete postal address, telephone, fax, National Tax Number (attach copy).
  5. CV’s of key personnel

Please send your proposal (financial and technical) and CV for the subject consultancy at the earliest. The closing date for the consultancy is 31st May 2020 before 5:00 PM COB.


Please clearly write the title of the consultancy in Subject of your email “1. Please clearly write the title of the consultancy in Subject of your email “Consultancy: Improving and refining the disaster risk transfer solution for rural communities in Sindh”. Please send your application in writing, including a motivation letter, proposal, Curriculum Vitae to the following address Email Address:

About Organization

Oxfam’s vision is a just world without poverty: a world in which people can influence decisions that affect their lives, enjoy their rights, and assume their responsibilities as full citizens of a world in which all human beings are valued and treated equally. Oxfam in Pakistan has been working in the country since 1973. In the Pakistan, our goal is to contribute to the eradication of poverty by supporting women and other vulnerable groups in saving lives and building livelihoods, enhancing their resilience to crises, shocks and stresses, and making their voices heard to hold duty-bearers accountable.