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Tenders

Health insurance for employees of SIA “Aprūpes nams “Urga””

Closed

Updated October 14, 2026

Submission Deadline Has Passed

This tender's submission deadline has passed and is no longer accepting applications. The information below is kept for reference purposes.

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Deadline
Expired
March 03, 2026
Contract Details
Category
Services
Reference
165908
Value
Not disclosed
Location
Pieriga, Latvia
Published
February 16, 2026
CPV Code
Evaluation Criteria
Technical Proposal and Quality of Insurance CoverageQuality
Price OfferPrice
Project Timeline

Tender Published

February 16, 2026

Deadline for Questions

February 24, 2026

Submission Deadline

March 03, 2026

Tender Opening

March 03, 2026

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Key facts

Deadline
Expired
CPV Code
66512200 — Health insurance services
Procedure
Open procedure
Budget
Not disclosed
Duration
12 months
Location
Pieriga
Type
Services
53
Quality Score/100
Fair
Market Benchmark
Avg. Winning Price
€139,128
Avg. Bids
2.6
Competition
Low
SME Winners
98%
1,731 tenders analyzed

Original Tender Description

Health insurance for employees of SIA “Aprūpes nams “Urga””

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70%
Estimated Win ProbabilityModerate Fit

This tender for employee health insurance requires a strong focus on meeting all mandatory and technical specifications. Bidders should leverage their experience and offer competitive pricing while demonstrating a clear understanding of the client's needs. Given the absence of explicit evaluation criteria, a strong technical proposal aligned with the 'Iepirkuma priekšmeta prasības' and a competitive financial offer will be paramount.

Key Winning Messages

Reliable and Comprehensive Employee Health Coverage Tailored to 'Aprūpes nams "Urga"' Needs.

Competitive and Transparent Pricing for Sustainable Employee Well-being.

Seamless Administration and Responsive Claims Processing.

Key Opportunities
Lack of explicit evaluation criteria presents an opportunity to define perceived value through a superior technical proposal and competitive pricing.
The 12-month contract duration allows for flexibility in offering initial competitive pricing to secure the contract, with potential for future extensions.
The CPV code (66512200) indicates a standard service, allowing bidders to leverage existing, well-defined product offerings.
Key Challenges
The absence of specified evaluation criteria makes it difficult to precisely target bid optimization. Bidders must infer the most important factors.

Prioritize meeting all mandatory requirements flawlessly. Focus on a technically sound proposal that clearly addresses the 'Iepirkuma priekšmeta prasības' and a competitive financial offer. Assume price and technical compliance are key.

The estimated value is not disclosed, making it harder to gauge the scale of the contract and tailor pricing strategies effectively.

Research market rates for similar employee health insurance contracts in Latvia. Consider offering a tiered pricing structure or a range based on potential employee numbers if this information can be reasonably inferred or is available elsewhere.

Ideal Bidder Profile
An established insurance provider with a proven track record in offering employee health insurance solutions. They should possess a robust understanding of Latvian healthcare regulations, a flexible product offering that can be tailored to meet specific coverage requirements, and a competitive pricing structure. Experience working with similar-sized organizations or in the care sector would be advantageous.
Key Requirements
Adherence to minimum mandatory requirements outlined in the technical specification (1.pielikums).
Accurate and complete submission of all required forms (3.pielikums, 4.pielikums, 5.pielikums, 6.pielikums).
Confirmation of no collusion with competitors (6.pielikums).
Demonstrated legal entity capability to provide employee health insurance services.
Submission of a financial offer detailing proposed premiums, excluding VAT.
Key Discriminators
Demonstrated understanding of the specific needs of employees in a care home environment (e.g., potential for higher utilization of certain services).
Proactive communication and clear, concise proposal documentation that exceeds basic requirements.
A highly competitive and transparent pricing model that clearly outlines benefits and costs.
Evidence of strong customer service and efficient claims handling processes.
Social Value Opportunities
While 'Social Aspects: No' is stated, consider subtly highlighting any existing corporate social responsibility initiatives or partnerships that indirectly benefit the community or employee well-being, framing it as a commitment to broader societal health.
Bid Focus Areas
Technical Proposal Alignment

Ensure the technical proposal (1.pielikums) meticulously addresses every point in the 'Iepirkuma priekšmeta prasības'. Go beyond minimums where possible to demonstrate superior coverage and service. Use clear, concise language and provide concrete examples of services and benefits.

Financial Offer Competitiveness

Develop a pricing strategy that is competitive within the Latvian market for employee health insurance. Clearly itemize all costs and ensure the final price is attractive while still allowing for profitability. Consider offering a slight discount for the initial 12-month term.

Compliance and Documentation

Double-check all submission requirements and forms (3.pielikums, 4.pielikums, 5.pielikums, 6.pielikums). Ensure all information is accurate, consistent, and submitted by the deadline. Any errors or omissions could lead to disqualification.

Recommendations6
Meticulously Address Technical Specification
CriticalHigh effort

Thoroughly review and respond to all mandatory requirements and detailed specifications within the 'Iepirkuma priekšmeta prasības' and 1.pielikums. Ensure the technical proposal clearly demonstrates how the proposed insurance plan meets or exceeds these requirements.

Ensures compliance and forms the basis of the bid's perceived value.
Develop a Competitive Financial Offer
CriticalHigh effort

Given the lack of explicit evaluation criteria, the financial offer will be a key determinant. Research market rates and develop a pricing strategy that is attractive and sustainable, clearly outlining all costs (excluding VAT).

Directly influences the likelihood of winning, especially if price is a primary unspoken factor.
Ensure Flawless Submission Documentation
CriticalMed effort

Pay extreme attention to detail when completing all required forms (3.pielikums, 4.pielikums, 5.pielikums, 6.pielikums). Verify accuracy, consistency, and adherence to all formatting and submission instructions outlined in the 'Nolikums'.

Prevents disqualification due to administrative errors.
Highlight Service and Claims Efficiency
HighMed effort

While not explicitly stated as an evaluation criterion, emphasize the provider's ability to offer excellent customer service and efficient claims processing. This can be demonstrated through case studies or service level agreements.

Adds value beyond basic coverage and can sway decision-makers.
Proactive Clarification Requests
HighLow effort

If any aspect of the tender documents is unclear, especially regarding the 'Iepirkuma priekšmeta prasības' or implied evaluation factors, submit formal clarification requests to the contracting authority well in advance of the deadline.

Ensures a fully compliant and well-understood bid, reducing risk.
Address Potential Pricing Gaps
MediumMed effort

Since the estimated value is not disclosed, consider preparing a range of pricing options or a flexible pricing model that can be adjusted if further information becomes available or if the initial offer is deemed too high or too low.

Increases adaptability and reduces the risk of being uncompetitive due to unknown budget constraints.
Competitive Positioning
Position as a reliable, experienced provider with a deep understanding of employee health insurance needs in Latvia. Emphasize a commitment to providing comprehensive coverage and excellent service at a competitive price. Highlight any specific expertise relevant to the care sector if applicable, even if not explicitly requested.

Competitors

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Requirements & Qualifications

19 requirements across 5 categories

Submission (7)
Mandatory (1)
Compliance (4)
Technical (3)
Financial (4)
SUBMISSION REQUIREMENTS7
--Submit the offer by the deadline: 2026-03-03T10:00:00.
--Submit an application form for participation (3.pielikums), confirming accuracy of offer, compliance with tender rules, and readiness to fulfill contractual obligations.
--Complete technical and financial proposals using the template provided in 1.pielikums.
MANDATORY EXCLUSION GROUNDS1
--Must not have engaged in collusion with competitors regarding prices, methods, or intent to participate, as confirmed by a declaration.
ELIGIBILITY REQUIREMENTS4
--Be a legal entity capable of providing employee health insurance services.
--Meet general qualification requirements as outlined in the procurement requirements document.
--Confirm readiness to fulfill contractual obligations.
TECHNICAL CAPABILITY REQUIREMENTS3
--Provide employee health insurance services.
--Adhere to the minimum mandatory requirements outlined in the technical specification.
--The technical proposal must align with the detailed evaluation criteria for various aspects of insurance coverage.
FINANCIAL REQUIREMENTS4
--Submit a financial offer detailing proposed premiums.
--Ensure the proposed price includes all costs except VAT.
--Meet financial submission requirements as outlined in the procurement requirements document.

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Documents

8 documents available with AI summaries

NolikumsDOC
10.02.2026. _Nolikums- Veselības apdrošināšan... -- 103.6 KB

This document contains the procurement regulations for SIA “Aprūpes nams “Urga” regarding employee health insurance, outlining administrative details, the subject of the procurement, payment terms, and submission requirements for bidders.

Iepirkuma priekšmeta prasības, 1.versijaPDF
165908_PD.ANY_1_1_1_20260216163115.pdf -- 104.6 KB

This document details the requirements for a health insurance tender for SIA “Aprūpes nams “Urga”” employees, outlining qualification, technical, and financial submission requirements, along with detailed evaluation criteria for various aspects of the insurance coverage.

1.pielikumsDOC
1.pielikums - tehniskā specifikācija_1.docx -- 29.6 KB

This document contains the technical specification for health insurance services, outlining minimum mandatory requirements and instructing bidders on how to complete their technical and financial proposals within this template.

2.pielikumsDOC
2.pielikums - līguma projekts.docx -- 29.2 KB

This document contains a draft contract for employee health insurance services, outlining terms, definitions, payment procedures, data protection, and special conditions between a client and an insurer.

3.pielikumsDOC
3.pielikums - pieteikums iepirkumam_1.docx -- 18.7 KB

This document contains an application form for participation in a procurement for employee health insurance, where the bidder confirms the accuracy of their offer, compliance with tender rules, and readiness to fulfill contractual obligations.

4.pielikumsDOC
4.pielikums - finanšu piedāvājums_1.docx -- 17.5 KB

This document contains a financial offer for health insurance services for employees of SIA "Aprūpes nams "Urga"", detailing the proposed premiums and confirming that the price includes all costs except VAT.

5.pielikumsDOC
5.pielikums - kvalifikācijas veidlapa_1.docx -- 20.0 KB

This document contains a qualification form for procurement ANURGA2026/01, identified as Appendix No. 5.

6.pielikumsDOC
6.pielikums - apliecinājums_1.docx -- 16.2 KB

This document contains a declaration by a tenderer confirming that their offer has been independently prepared without collusion with competitors regarding prices, methods, or intent to participate, and acknowledging the legal consequences of prohibited agreements.

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53
Fair

Tender Quality Score

This tender for employee health insurance exhibits significant transparency and completeness issues, particularly concerning the undisclosed estimated value and missing evaluation criteria, which severely impact fairness and overall quality.

Score Breakdown

Legal Compliance60/100

While the procedure type, CPV code, and lack of disputes are positive, the undisclosed estimated value and the flagged 'Restricted document access' are significant legal compliance and transparency concerns. These omissions hinder proper oversight and fair competition.

•Estimated value not disclosed
•Restricted document access
Clarity65/100

The service description is clear, and requirements are structured. However, the contradiction between AI-extracted information suggesting detailed evaluation criteria and the automated check flagging them as 'Missing' creates significant ambiguity for bidders.

•Missing or unclear evaluation criteria
Completeness60/100

Basic information, deadlines, duration, and location are provided. However, the tender lacks a disclosed estimated value and clearly defined evaluation criteria, which are crucial components for a complete and transparent procurement process.

•Estimated value not disclosed
•Missing evaluation criteria
Fairness40/100

Fairness is severely compromised by the 'Restricted document access', the undisclosed estimated value, and the absence of clearly defined evaluation criteria. The contradiction regarding e-submission also raises concerns about equal access and transparency.

•Restricted document access
•Estimated value not disclosed
Practicality50/100

The undisclosed estimated value makes it challenging for bidders to formulate competitive offers. 'Restricted document access' and the ambiguity around e-submission capabilities reduce the practicality and ease of participation for potential suppliers.

•Estimated value not disclosed
•Restricted document access
Data Consistency55/100

Dates and status are consistent. However, there are critical contradictions between the tender characteristics and automated check results regarding e-procurement/e-submission and the presence of evaluation criteria. The missing estimated value also affects data completeness.

•Contradiction on e-procurement/e-submission
•Contradiction on evaluation criteria
Sustainability20/100

The tender does not include any specific requirements or considerations related to green procurement, social aspects, or innovation, which is a missed opportunity for sustainable public procurement.

•No green procurement criteria
•No social criteria

Strengths

Clear description of the service required.
All necessary forms and a draft contract are listed.
Procedure type and CPV code are clearly defined.
No disputes or suspensions reported.
Reasonable submission deadline provided.

Concerns

Estimated contract value is not disclosed, hindering transparency.
Evaluation criteria are either missing or ambiguously defined.
Access to tender documents is restricted, limiting bidder participation.
Contradiction regarding the availability of electronic submission.
Absence of any sustainability or innovation considerations.

Recommendations

1. Disclose the estimated contract value to ensure full transparency and aid bidders.
2. Clearly define and publish all evaluation criteria to ensure fair assessment.
3. Ensure full and unrestricted public access to all tender documents.

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