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Tenders

Employee health insurance

Open
Deadline
10 days left
April 14, 2026
Contract Details
Category
Services
Reference
169035
Value
Not disclosed
Location
Latgale, Latvia
Published
March 24, 2026
CPV Code
Evaluation Criteria
Financial OfferPrice
Project Timeline

Tender Published

March 24, 2026

Deadline for Questions

April 07, 2026

Submission Deadline

April 14, 2026

Tender Opening

April 14, 2026

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Budget
Not disclosed
Duration
12 months
Location
Latgale
Type
Services
75
Quality Score/100
Good
Market Benchmark
Avg. Winning Price
€139,128
Avg. Bids
2.6
Competition
Low
SME Winners
98%
1,731 tenders analyzed

Original Tender Description

Employee health insurance

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Win Strategy

AI-powered analysis of this tender's requirements, opportunities, and challenges. Get strategic insights to maximize your win probability.

65%
Estimated Win ProbabilityModerate Fit

This tender for employee health insurance requires a strong focus on meeting technical specifications and demonstrating financial stability. Given the absence of explicit evaluation criteria, a competitive pricing strategy combined with a clear articulation of value and service excellence will be crucial for success. Proactive engagement with the contracting authority to clarify any ambiguities is recommended.

Key Winning Messages

Reliable and comprehensive health insurance solutions tailored to the needs of Daugavpils Dental Polyclinic's employees.

Exceptional service delivery and responsive claims management for optimal employee satisfaction.

A financially sound and stable partner committed to long-term value.

Key Opportunities
Lack of specified evaluation criteria presents an opportunity to influence perceived value through a strong narrative and competitive pricing.
The 12-month duration suggests a need for a provider that can offer immediate and efficient service implementation.
The CPV code (66511000 - Health insurance services) indicates a standard service, allowing for focus on operational excellence and cost-effectiveness.
Key Challenges
Absence of explicit evaluation criteria makes it difficult to precisely tailor the bid to maximize scoring. The contracting authority may rely heavily on price or implicit factors.

Focus on a highly competitive price while ensuring all technical requirements are met or exceeded. Clearly articulate the value proposition beyond price, emphasizing service quality and reliability. Consider proactive clarification with the contracting authority regarding their primary decision-making factors.

The 'Iepirkuma priekšmeta prasības, 1.versija' document is referenced for multiple critical details (exclusion, eligibility, technical, financial), requiring thorough cross-referencing and meticulous attention to detail to avoid omissions.

Dedicate significant time to thoroughly review and understand all requirements within 'Iepirkuma priekšmeta prasības, 1.versija'. Create a detailed checklist to ensure every point is addressed in the bid. Assign a dedicated team member to be the primary point of contact for this document.

Ideal Bidder Profile
An established insurance provider with a proven track record in corporate health insurance, particularly within the Latvian market. The ideal bidder will possess robust financial standing, a comprehensive understanding of the specific coverage needs outlined in the technical specification, and a highly responsive customer service infrastructure. Experience with public sector clients or similar healthcare institutions would be advantageous.
Key Requirements
Compliance with all mandatory exclusion grounds and eligibility requirements.
Detailed adherence to the technical specifications for coverage, periods, and service delivery.
Submission of a clear and competitive financial offer, aligning with the total contract price requirement.
Accurate and complete completion of all required submission documents, including 'Pieteikums' and 'Finanšu piedāvājums'.
Demonstration of technical capability as detailed in 'Iepirkuma priekšmeta prasības, 1.versija'.
Key Discriminators
Demonstrated understanding of the specific healthcare needs of dental professionals and their potential occupational health risks.
A proactive and highly responsive customer support model for both the employer and employees.
A streamlined and efficient claims processing system with a proven track record of quick turnaround times.
Social Value Opportunities
While 'Social Aspects: No' is stated, a bidder could voluntarily highlight their commitment to employee well-being through their insurance offering, framing it as a contribution to the health and productivity of the Daugavpils Dental Polyclinic's workforce. This can be presented as an added benefit without being a formal requirement.
Bid Focus Areas
Technical Compliance (Coverage, Periods, Requirements)

Ensure absolute alignment with 'Tehniskā specifikācija'. Go beyond minimum requirements where feasible and cost-effective to demonstrate superior offering. Clearly map each requirement to the proposed solution.

Financial Offer (Price)

Develop a highly competitive pricing strategy. Conduct thorough cost analysis to offer the lowest possible sustainable price while maintaining profitability. Consider tiered pricing options if appropriate and allowed by the tender.

Eligibility and Exclusion Grounds

Meticulously verify compliance with all mandatory exclusion grounds and eligibility criteria as outlined in 'Iepirkuma priekšmeta prasības, 1.versija'. Provide all necessary documentation and declarations without fail.

Recommendations6
Thoroughly Analyze 'Iepirkuma priekšmeta prasības, 1.versija'
CriticalHigh effort

This document is central to understanding exclusion grounds, eligibility, technical, and financial requirements. A deep dive is essential to ensure full compliance and identify any potential ambiguities.

Ensures bid validity and addresses all core requirements.
Develop a Competitive Pricing Strategy
HighMed effort

Given the lack of specified evaluation criteria, price is likely to be a significant, if not the primary, factor. Aim for the most competitive price possible while ensuring profitability and service quality.

Increases chances of being the most attractive offer.
Articulate Service Excellence and Value Beyond Price
MediumMed effort

Even without explicit criteria, highlight the benefits of your service: responsiveness, claims efficiency, employee support, and overall value proposition. This can sway implicit evaluation.

Adds perceived value and strengthens the bid.
Proactively Seek Clarification
MediumLow effort

If any aspect of the 'Iepirkuma priekšmeta prasības, 1.versija' or 'Tehniskā specifikācija' is unclear, submit formal clarification requests to the contracting authority before the deadline. This demonstrates engagement and ensures accuracy.

Reduces risk of misinterpretation and improves bid quality.
Meticulously Complete Submission Forms
CriticalMed effort

Ensure 'Pieteikums' and 'Finanšu piedāvājums' are filled out accurately, completely, and in the specified format. Any errors or omissions here can lead to disqualification.

Ensures the bid is formally accepted and evaluated.
Establish a Dedicated Bid Team
HighMed effort

Assign clear roles and responsibilities for bid preparation, document review, and submission to ensure all aspects are covered efficiently and accurately.

Minimizes errors and ensures timely submission.
Competitive Positioning
Position as a reliable, experienced provider offering a cost-effective solution that meets all technical requirements precisely. Emphasize stability and a commitment to service quality, even if not explicitly evaluated, to build trust and demonstrate long-term partnership potential.

Competitors

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Requirements & Qualifications

10 requirements across 5 categories

Submission (3)
Mandatory (1)
Compliance (2)
Technical (2)
Financial (2)
SUBMISSION REQUIREMENTS3
--[Tender process, requirements, and submission guidelines in 'Nolikums']
--[Application form in 'Pieteikums']
--[Financial offer template in 'Finanšu piedāvājums']
MANDATORY EXCLUSION GROUNDS1
--[Details to be found in 'Iepirkuma priekšmeta prasības, 1.versija']
ELIGIBILITY REQUIREMENTS2
--[Details to be found in 'Iepirkuma priekšmeta prasības, 1.versija']
--[Confirmation of compliance with tender conditions required in 'Pieteikums']
TECHNICAL CAPABILITY REQUIREMENTS2
--[Details to be found in 'Iepirkuma priekšmeta prasības, 1.versija']
--[Coverage details, periods, and requirements for bidders outlined in 'Tehniskā specifikācija']
FINANCIAL REQUIREMENTS2
--[Total contract price to be stated in 'Finanšu piedāvājums']
--[Details to be found in 'Iepirkuma priekšmeta prasības, 1.versija']

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Documents

6 documents available with AI summaries

Iepirkuma priekšmeta prasības, 1.versijaPDF
169035_PD.ANY_1_1_1_20260324110816.pdf -- 94.5 KB

This document outlines the tender requirements for employee health insurance for Daugavpils Dental Polyclinic, including exclusion conditions, selection criteria, technical and financial proposal requirements, and evaluation criteria.

Finanšu piedāvājumsDOC
Finansu_piedavajums_dzp_2026_05.docx -- 14.5 KB

This document is a financial offer template for the procurement of employee health insurance, requiring the bidder to state their total contract price.

NolikumsDOC
Nolikums_dzp_2026_05.doc -- 156.0 KB

This document contains the regulations for a public procurement tender for employee health insurance, outlining the tender process, requirements, and submission guidelines.

PieteikumsDOC
Pieteikums_dzp_2026_05_1.docx -- 19.0 KB

This document contains an application form for a bidder to provide employee health insurance, requiring confirmation of compliance with tender conditions and factual information.

Tehniskā specifikācijaDOC
Tehniska_specifikacija_DZP_2026_05_1.docx -- 21.0 KB

This document contains the technical specification for employee health insurance for SIA "Daugavpils zobārstniecības poliklīnika", outlining coverage details, periods, and requirements for bidders.

Main tender pageHTM
index.html

This document contains the basic data for a tender procedure for employee health insurance, including identification numbers, deadlines, and contact information for the contracting authority "Daugavpils zobārstniecības poliklīnika", SIA.

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75
Good

Tender Quality Score

This tender for employee health insurance is generally well-structured with clear documentation, but lacks transparency in financial value and evaluation criteria. The process is predominantly digital, but some document access might be restricted.

Score Breakdown

Legal Compliance75/100

The tender adheres to general legal compliance by having a clear procedure, a proper CPV code, and no reported disputes. Deadlines appear reasonable for the scope. Regulatory compliance is assumed based on the structure.

Clarity80/100

The description of the service is clear, and requirements are documented across several attached documents. However, the absence of specified evaluation criteria introduces ambiguity for bidders.

No evaluation criteria specified
Completeness70/100

Most basic information is present, including deadlines, contract duration, and attached documents. The estimated value is not disclosed, which impacts overall completeness.

Estimated Value: Not disclosed
Fairness85/100

The tender utilizes e-procurement, which promotes fairness. However, the 'Issues' section flags restricted document access, potentially limiting full document access for some parties. Objective criteria are implied but not explicitly detailed.

Restricted document access
Practicality65/100

The tender is marked as 'E-Procurement', suggesting e-submission. However, the 'Issues' section notes 'No e-submission', which is a contradiction. Financing information and contract start date are not explicitly detailed.

Contradiction regarding e-submission (marked as E-Procurement but flagged as 'No e-submission')
Financing information not explicitly detailed
Data Consistency90/100

Key fields such as title, reference, organization, and deadlines are populated. There are no reported suspensions or disputes, and the dates provided are logical.

Sustainability50/100

The tender does not explicitly mention green procurement, social aspects, or innovation. It is also not indicated as EU funded, leading to a lower score in this category.

No explicit mention of green procurement
No explicit mention of social aspects

Strengths

Clear CPV code and classification
Comprehensive set of required documents
Active e-procurement characteristic
Reasonable submission deadline

Concerns

Estimated value not disclosed
Missing explicit evaluation criteria
Potential restricted document access
Contradictory information on e-submission

Recommendations

1. Disclose the estimated contract value for greater transparency.
2. Clearly outline the evaluation criteria to ensure a fair and objective selection process.
3. Clarify the document access policy and ensure all necessary documents are fully accessible to all potential bidders.

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