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Tenders

Health insurance for RIA employees (2026-2027)

Open
Deadline
13 days left
April 09, 2026
Contract Details
Category
Services
Reference
307080
Value
€130,000
Location
Estonia
Published
March 23, 2026
CPV Code
Evaluation Criteria
Dentistry maximum compensation limit20%
Psychiatrist and psychologist counseling service maximum compensation limit13%
Optics maximum compensation limit13%
Ambulatory family and specialist care maximum compensation limit10%
Psychiatrist and psychologist counseling service deductible percentage7%
Preventive examinations maximum compensation limit7%
Ambulatory family and specialist care deductible percentage7%
Preventive examinations deductible percentage7%
Ambulatory rehabilitation maximum compensation limit5%
Dentistry deductible percentage3%
Optics deductible percentage3%
Vaccination maximum compensation limit2%
Ambulatory rehabilitation deductible percentage2%
Vaccination deductible percentage1%
Project Timeline

Tender Published

March 23, 2026

Deadline for Questions

April 02, 2026

Submission Deadline

April 09, 2026

Tender Opening

April 09, 2026

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Budget
€130,000
Duration
12 months
Location
Estonia
Type
Services
75
Quality Score/100
Good
Market Benchmark
Avg. Winning Price
€844,224
Avg. Bids
3.1
Competition
Medium
SME Winners
69%
297 tenders analyzed

Original Tender Description

The purpose of the procurement is to conclude a contract for the purchase of employer's health insurance service.
Electronic Submission

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Requirements & Qualifications

20 requirements across 5 categories

Submission (10)
Mandatory (1)
Compliance (2)
Technical (6)
Financial (1)
SUBMISSION REQUIREMENTS10
--The tender is not divided into parts, as the contracting authority wishes to purchase a complete service.
--Bidders must confirm compliance with conditions.
--Bidders must submit a power of attorney if submitting a joint bid.
MANDATORY EXCLUSION GROUNDS1
--Bidders must comply with the conditions set by the contracting authority.
ELIGIBILITY REQUIREMENTS2
--Bidders must confirm compliance with the conditions.
--Joint bidders must submit a power of attorney.
TECHNICAL CAPABILITY REQUIREMENTS6
--Bidders must describe business secrets.
--Bidders must describe compensation limits.
--Bidders must provide an overview of personal data processing.
FINANCIAL REQUIREMENTS1
--Not specified in the provided documents.

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Documents

10 documents available with AI summaries

VastavustingimusedPDF
307080_vastavustingimused.pdf -- 4.6 KB

The contracting authority, Riigi Infosüsteemi Amet, requires bidders to comply with conditions, including submitting a joint bidder authorization, confirming compliance with tender terms, and describing trade secrets and compensation limits.

Pakkuja esitab hüvitislimiitide maksimaalse summa kindlustuskaitse liikide lõike...DOC
2026_hüvitislimiitide maksimaalne summa kindl... -- 14.1 KB

Bidders must provide the maximum compensation limits in euros for each type of insurance coverage.

Hindamiskriteeriumid ja hinnatavad näitajadPDF
307080_hindamiskriteeriumid.pdf -- 6.8 KB

This tender document outlines the evaluation criteria for health insurance, including the weighting of benefits and co-payments for various services, to ensure the selection of the best offer.

Hankepass täiendatavate selgitustegaPDF
307080_hankepass_taiendavate_selgitustega.pdf -- 65.9 KB

The procurement pass is an initial self-declaration by the economic operator, containing the contracting authority's stipulated conditions and the format of expected responses, but is not a document intended for completion.

HindamismetoodikaDOC
2026_hindamismetoodika.docx -- 23.5 KB

Tender offers will be evaluated using a point system, where points are awarded for compensation limits and deductible percentages according to the criteria outlined in the table.

Hankelepingu projektDOC
2026_HL_projekt.docx -- 28.1 KB

The Information System Authority is seeking an insurance provider for employee health insurance services for the period 2026-2027, based on this draft contract.

HL Lisa 2 AndmetöötluslepingDOC
2026_HL_projekt_Lisa 2_andmetöötlusleping.doc... -- 18.6 KB

This data processing agreement defines the rules and obligations for personal data processing during the provision of the public procurement service in accordance with GDPR.

HL Lisa 3 Isikuandmete töötlemise ülevaade (näidis)XLS
2026_HL_projekt_Lisa 3 Isikuandmete töötlemis... -- 13.6 KB

This document outlines the personal data processing overview that potential bidders must complete and submit in relation to the Health Insurance for Riigi Infosüsteemi Amet Employees tender.

Tehniline kirjeldusDOC
2026_tehniline kirjeldus_FINAL.docx -- 27.9 KB

The Information System Authority is seeking a provider for employer health insurance services for the period 2026-2027, offering employees a choice between health insurance or sports compensation.

LisateaveDOC
Avatud hankemenetlused - lisateave pakkujale.... -- 26.1 KB

This document provides general information about the open procurement procedure, including tender conditions, joint submissions, and bid formatting requirements.

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75
Good

Tender Quality Score

This tender for employee health insurance is generally well-structured with clear objectives and a defined timeline. Key documentation is available, and the e-procurement process is utilized. Areas for improvement include a stronger focus on sustainability and more explicit detail on financial requirements beyond the estimated value.

Score Breakdown

Legal Compliance75/100

The tender adheres to standard legal requirements for public procurement. Deadlines appear reasonable, and the procedure is outlined with a clear CPV code. No disputes are reported. The procedure type 'A' suggests a standard open procedure.

Clarity80/100

The description of the service sought is clear. Requirements are generally documented, and evaluation criteria are specified, though the detailed weighting is in separate documents. Conditions for bidders are outlined.

Completeness70/100

Most basic information is present, including estimated value, duration, and deadlines. Key documents like the draft contract and data processing agreements are attached. However, financial requirements for bidders are not explicitly detailed.

Financial requirements for bidders are not explicitly specified in the provided AI-extracted requirements.
Fairness85/100

The tender is conducted via e-procurement, offering full document access. The estimated value is disclosed, and deadlines seem reasonable. Evaluation criteria are based on relative weighting, which is objective. The requirement for 'Reserved to Specific Profession' could potentially limit competition, but is not flagged as discriminatory without further context.

The 'Reserved to Specific Profession' characteristic may limit the pool of eligible bidders.
Practicality65/100

E-submission and e-procurement are supported. The contract start date is implied by the tender timeline. Financing information is not detailed, and the contract duration is specified as 12 months.

Specific financing information for the project is not detailed.
Contract start date is not explicitly stated, but can be inferred from tender dates.
Data Consistency90/100

Key fields such as title, reference, organization, deadlines, and value are populated. There are no reported suspensions or disputes. Dates are logically sequenced (Reveal Date < Submission Deadline < Opening Date).

Sustainability50/100

The tender does not explicitly mention green procurement criteria, social aspects, or innovation. It is not indicated as EU-funded, limiting its sustainability score.

Lack of explicit inclusion of green procurement, social responsibility, or innovation criteria.

Strengths

Clear and specific title and CPV code.
Well-defined timeline and reasonable deadlines.
Utilizes e-procurement for transparency and accessibility.
Key documents like draft contract and data processing agreements are provided.

Concerns

Financial requirements for bidders are not explicitly detailed.
Lack of explicit sustainability criteria (green, social, innovation).
Potential limitation of bidders due to 'Reserved to Specific Profession'.

Recommendations

1. Provide more explicit details on financial requirements for bidders.
2. Integrate sustainability criteria to align with modern public procurement practices.
3. Clarify the scope and intent behind 'Reserved to Specific Profession' to ensure maximum competition.

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