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Tenders

Health Insurance Service Procurement

Open
Deadline
4 days left
April 08, 2026
Contract Details
Category
Services
Reference
164203
Value
€600,000
Location
Latvia
Published
March 08, 2026
CPV Code
Evaluation Criteria
QualityQuality
PricePrice
Project Timeline

Tender Published

March 08, 2026

Deadline for Questions

April 01, 2026

Submission Deadline

April 08, 2026

Tender Opening

April 08, 2026

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Budget
€600,000
Duration
Not specified
Location
Latvia
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

Health Insurance Service Procurement

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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.

70%
Estimated Win ProbabilityModerate Fit

This tender for health insurance services by Latvijas Pasts presents a strong opportunity for established providers. A winning strategy will focus on demonstrating superior value through a well-defined, cost-effective plan, robust service delivery, and a clear understanding of the client's needs, even with limited explicit evaluation criteria. Proactive engagement and a focus on long-term partnership will be key.

Key Winning Messages

Comprehensive and Cost-Effective Health Coverage Tailored for Latvijas Pasts Employees

Seamless Service Delivery and Dedicated Customer Support for a Hassle-Free Experience

A Reliable and Financially Sound Partner Committed to Long-Term Employee Well-being

Key Opportunities
The absence of specified evaluation criteria for quality allows for significant differentiation through a well-articulated value proposition.
The draft contract (DOCUMENT 3) provides a clear framework for understanding the client's expectations regarding terms, conditions, and premiums, allowing for precise bid tailoring.
The estimated value of 600,000.0 suggests a substantial contract, attracting a competitive field but also allowing for economies of scale to be leveraged in pricing.
Key Challenges
Lack of specified evaluation criteria weighting means bidders must infer or proactively define the importance of quality aspects.

Thoroughly analyze the draft contract (DOCUMENT 3) and the description of evaluation criteria (DOCUMENT 4) to infer the likely priorities of Latvijas Pasts. Emphasize the 'most economically advantageous offer' by clearly linking proposed quality features (e.g., provider network, customer service) to tangible benefits for the client and their employees, even if not explicitly weighted.

High competition is likely given the contract value and the nature of the service, requiring strong differentiation.

Focus on demonstrating superior value beyond just price. Highlight unique service delivery aspects, proactive health management initiatives (even if not explicitly requested), and a commitment to partnership. Leverage existing client testimonials or case studies (if permissible) to showcase success with similar organizations.

The absence of explicit 'Green Procurement' or 'Social Aspects' requirements means these cannot be primary differentiators, but should still be considered for broader corporate responsibility.

While not mandatory, subtly integrate any existing sustainability or social responsibility initiatives into the bid narrative where relevant, such as efficient digital service delivery reducing paper waste, or support for local healthcare providers. This can contribute to a positive overall impression.

Ideal Bidder Profile
An established, financially stable health insurance provider with a proven track record of serving large organizations in Latvia. They should possess a comprehensive network of healthcare providers, efficient administrative systems, and a strong customer support infrastructure. Experience with public sector clients or large state-owned enterprises would be advantageous.
Key Requirements
Eligibility to provide health insurance services and absence of exclusion grounds.
Demonstrated experience with organizations of similar size and scope.
Detailed proposal of health insurance plan (coverage, network, administration).
Outline of service delivery model and customer support.
Demonstrated financial stability and capacity.
Adherence to submission format and deadline.
Key Discriminators
A highly responsive and proactive customer service model with dedicated account management.
A demonstrably wider and more accessible network of healthcare providers across Latvia, including specialized services.
Innovative digital tools for claims processing, policy management, and employee health engagement.
A clear and transparent pricing structure that demonstrates exceptional value for money over the contract duration.
Social Value Opportunities
Commitment to supporting local healthcare providers within the network, contributing to the Latvian economy.
Implementation of digital platforms that reduce paper usage and environmental impact.
Optional: Offer employee wellness workshops or health promotion resources as part of the service package.
Bid Focus Areas
PriceN/A (inferred high)

Develop a competitive pricing model that reflects the estimated value and offers clear cost savings or efficiencies for Latvijas Pasts. Leverage economies of scale and efficient administrative processes to offer attractive premiums. Clearly articulate the value proposition to justify the price.

Quality (Coverage, Network, Service Delivery, Customer Support)N/A (inferred high)

Provide a detailed and compelling description of the proposed health insurance plan, emphasizing comprehensiveness, accessibility of the provider network (including geographical spread and specialization), and the efficiency and user-friendliness of administrative services. Showcase a robust customer support model with clear service level agreements (SLAs) and responsiveness metrics. Highlight experience with similar-sized organizations to demonstrate capability.

Recommendations7
Thoroughly Vet Eligibility and Exclusion Grounds
CriticalMed effort

Ensure all mandatory exclusion grounds are meticulously addressed and that the bidder is fully compliant with legal registration requirements for providing health insurance services in Latvia. This is a non-negotiable prerequisite.

Ensures the bid is not disqualified on technical grounds.
Define and Articulate 'Economically Most Advantageous Offer'
CriticalHigh effort

Since explicit weighting is missing, proactively define what constitutes the 'economically most advantageous offer' from your perspective and demonstrate how your proposal excels in both price and quality. Link quality features directly to cost-effectiveness and employee satisfaction.

Maximizes scoring potential by clearly demonstrating superior value.
Showcase Superior Customer Service and Digital Capabilities
HighMed effort

Highlight a proactive, responsive, and easily accessible customer support system. Emphasize user-friendly digital platforms for claims, information access, and communication. This can be a significant differentiator in service delivery.

Sets the bid apart from competitors focused solely on coverage and price.
Leverage Draft Contract for Precise Tailoring
HighMed effort

Scrutinize the draft contract (DOCUMENT 3) to understand all contractual obligations, terms, and conditions. Tailor the proposal to align perfectly with these requirements, demonstrating a deep understanding of the client's needs and a commitment to a smooth contractual relationship.

Ensures bid compliance and demonstrates client focus.
Integrate Subtle Social Value Commitments
MediumLow effort

While not explicitly required, weave in elements of social value such as supporting local providers, efficient digital processes (reducing environmental impact), or offering optional wellness programs. This adds a layer of corporate responsibility to the bid.

Enhances overall bid perception and aligns with modern procurement expectations.
Proactive Clarification on Ambiguities
HighLow effort

If any aspects of the tender documents (especially regarding evaluation criteria or specific coverage needs) are unclear, proactively seek clarification from Latvijas Pasts through the official channels. This demonstrates engagement and ensures the bid accurately addresses all requirements.

Reduces the risk of misinterpretation and ensures bid alignment.
Demonstrate Experience with Similar Scale Organizations
HighMed effort

Provide concrete examples and data points to showcase successful health insurance provision for organizations of comparable size and complexity to Latvijas Pasts. Quantify the benefits delivered in previous engagements.

Builds confidence in the bidder's capability and reduces perceived risk for the client.
Competitive Positioning
Position as the most reliable and experienced provider with a proven ability to manage large-scale health insurance programs efficiently.
Highlight a superior network of healthcare providers that offers greater choice and accessibility for employees across Latvia.
Emphasize a commitment to proactive customer support and digital innovation, making the administration of the health insurance plan seamless for both Latvijas Pasts and its employees.

Competitors

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Requirements & Qualifications

12 requirements across 5 categories

Submission (4)
Mandatory (1)
Compliance (2)
Technical (3)
Financial (2)
SUBMISSION REQUIREMENTS4
--Bids must be submitted by the deadline of 2026-04-08T10:00:00.
--Bids must include both technical and financial proposals.
--All required documentation, as specified in the tender documents, must be submitted.
MANDATORY EXCLUSION GROUNDS1
--Bidders may be excluded if they have outstanding tax debts, have been convicted of certain offenses, or are in liquidation.
ELIGIBILITY REQUIREMENTS2
--Bidders must be legally registered to provide health insurance services.
--Bidders must demonstrate they are not subject to any exclusion grounds.
TECHNICAL CAPABILITY REQUIREMENTS3
--Bidders must have experience in providing health insurance services to organizations of a similar size and scope.
--Bidders must provide details of their proposed health insurance plan, including coverage, network of providers, and administrative services.
--Bidders must outline their proposed service delivery model and customer support.
FINANCIAL REQUIREMENTS2
--Bidders must demonstrate financial stability and capacity to fulfill the contract.
--[Specific financial thresholds or guarantees will be detailed in the full tender documents.]

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Documents

5 documents available with AI summaries

Iepirkuma priekšmeta prasības, 1.versijaPDF
164203_PD.ANY_1_1_1_20260308124004.pdf -- 101.3 KB

This document outlines the requirements for bidders participating in a procurement process for health insurance services, detailing submission guidelines, exclusion conditions, and evaluation criteria for both technical and financial proposals.

2.pielikums_Piedāvājuma vērtēšanas kritērijiPDF
2.pielikums_Piedāvājuma vērtēšanas kritēriji.... -- 193.3 KB

This document outlines the evaluation criteria for a tender concerning the procurement of health insurance services, detailing how price and quality will be assessed to determine the most economically advantageous offer.

5.pielikums_Līguma projektsPDF
5.pielikums_Līguma projekts.pdf -- 208.1 KB

This document contains the draft contract for the procurement of health insurance services for the employees of "Latvijas Pasts", outlining terms, conditions, premiums, and procedures.

NolikumsPDF
Nolikums_Veselības apdrošināšana.pdf -- 310.7 KB

This document contains the regulations for an open tender by "Latvijas Pasts" for the procurement of health insurance services.

Main tender pageHTM
index.html

This document contains the main data for an open tender for the procurement of health insurance services by "Latvijas Pasts" VAS, with a submission deadline of April 8, 2026.

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75
Good

Tender Quality Score

This tender for health insurance services by Latvijas Pasts is generally well-structured, with clear basic information and a reasonable timeline. However, concerns exist regarding document access and the explicit specification of evaluation criteria.

Score Breakdown

Legal Compliance75/100

The tender adheres to standard procurement procedures with a clear open procedure and proper CPV code. Deadlines appear reasonable. No disputes are reported. Regulatory compliance is assumed based on the provided information.

Clarity80/100

The description of the service is clear. Key requirements are outlined, though specific evaluation criteria are noted as missing in the provided summary, which impacts overall clarity. Conditions are generally specified through attached documents.

Missing explicit evaluation criteria in summary
Completeness70/100

Most basic information is present, including deadlines, estimated value, and duration (implied by tender validity). However, the contract duration is not explicitly stated, and the full tender documents are required for a complete assessment of all attached documents.

Missing explicit contract duration
Fairness85/100

The tender is an open procedure with disclosed value and e-procurement characteristics, promoting fairness. The criteria for exclusion and eligibility are standard. However, the 'Restricted document access' flag suggests potential limitations for bidders to fully access all necessary information, which could impact fairness.

Restricted document access
Practicality65/100

The tender is flagged as 'E-Procurement', suggesting e-submission is likely. A document URL is not explicitly provided in the summary, but the existence of 5 documents implies they are accessible. Financing information is not detailed, and the contract start date is not specified.

No explicit document URL provided
Missing financing information
Data Consistency90/100

Key fields such as title, reference, organization, and deadlines are populated. There are no reported suspensions or disputes. Dates appear logically sequenced.

Sustainability50/100

The tender does not explicitly mention green procurement, social aspects, or innovation. It is not indicated as EU funded. This suggests a lack of focus on sustainability criteria.

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

Strengths

Clear basic information and title
Open procurement procedure
E-Procurement characteristics
Reasonable submission deadline
Estimated value disclosed

Concerns

Restricted document access
Missing explicit evaluation criteria
Lack of explicit sustainability considerations
Missing contract start date and financing information

Recommendations

1. Clarify evaluation criteria within the tender notice or accessible summary.
2. Ensure full and unrestricted access to all tender documents for all potential bidders.
3. Incorporate sustainability aspects (green, social, innovation) if applicable to the service.

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