Service Requirements/Terms of Reference (ToR) III. The purpose of the consultancy is to provide technical expertise for the operationalization of the SSHIS, through the conduct of an actuarial analysis for the integration of FP and other identified services into the respective state health contributory scheme’s health benefit package. IV. Objectives V. Conduct analysis of data collected to establish the cost of the expanded LSHS benefit package and a feasible premium for the package. Conduct an actuarial analysis of the current health insurance scheme benefit package. VI. Evaluate the financial sustainability of integrating the full range of family planning services. VII. Model cost implications, risk factors, and impact on premiums, claims, and reserve funds. VIII. Provide evidence-based recommendations on optimal benefit package design, including cost-sharing and subsidy considerations. IX. Propose strategies to ensure financial viability and risk mitigation.