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Employee health insurance

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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 26, 2026
Contract Details
Category
Services
Reference
167755
Value
Not disclosed
Location
Latvia
Published
March 09, 2026
CPV Code
Project Timeline

Tender Published

March 09, 2026

Deadline for Questions

March 19, 2026

Submission Deadline

March 26, 2026

Tender Opening

March 26, 2026

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Budget
Not disclosed
Duration
12 months
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

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.

70%
Estimated Win ProbabilityModerate Fit

This tender for employee health insurance presents a moderate competition opportunity. A winning strategy will focus on demonstrating robust program offerings, competitive pricing, and clear adherence to all submission requirements, particularly given the unspecified evaluation criteria. Proactive engagement and a clear value proposition will be key.

Key Winning Messages

Comprehensive and Tailored Employee Health Solutions

Transparent and Competitive Value Proposition

Reliable Partnership for Employee Well-being

Key Opportunities
Lack of specified evaluation criteria allows for a strong emphasis on demonstrating value and clarity in the proposal.
The tender is for a 12-month duration, suggesting a need for a straightforward and efficient implementation process.
The absence of specific 'Green Procurement' or 'Social Aspects' requirements simplifies the focus on core insurance offerings and financial competitiveness.
The CPV code (66512200) indicates a standard health insurance service, allowing for a focus on established best practices.
Key Challenges
Unspecified evaluation criteria make it difficult to precisely optimize the bid for scoring.

Focus on clarity, completeness, and directness in addressing all stated requirements. Highlight benefits and value proposition explicitly. Assume a balanced weighting across technical and financial aspects, and ensure both are exceptionally strong.

Potential for price sensitivity given the nature of the service and the lack of disclosed estimated value.

Develop a competitive pricing strategy that balances profitability with market attractiveness. Clearly articulate the value delivered for the proposed premiums, emphasizing coverage breadth and quality of service.

Ensuring full compliance with all procedural documents (Nolikums SIA DN 2026/5, Iepirkuma priekšmeta prasības, 1.versija, Nolikuma pielikums Nr_4).

Conduct a thorough review of all tender documents by legal and procurement specialists. Create a compliance checklist to ensure every requirement is met and documented.

Ideal Bidder Profile
An established health insurance provider with a proven track record in corporate group insurance, possessing a strong understanding of Latvian market regulations and a flexible product offering that can be tailored to the specific needs of SIA 'DOBELES NAMSAIMNIEKS'. The ideal bidder will have efficient administrative processes and a clear pricing structure.
Key Requirements
Bidders must be able to provide health insurance programs.
Bidders must propose insurance programs for employees of SIA 'DOBELES NAMSAIMNIEKS'.
Bidders must provide details about their proposed insurance programs.
Bidders must specify annual insurance sums for different coverage programs.
Bidders must specify premiums for different coverage programs.
Bidders must adhere to the regulations for the public procurement procedure (Nolikums SIA DN 2026/5).
Bidders must meet the tender requirements including technical and financial proposal specifications (Iepirkuma priekšmeta prasības, 1.versija).
Bidders must agree to the terms, conditions, and responsibilities outlined in the draft contract (Nolikuma pielikums Nr_4).
Submission deadline: 2026-03-26T10:00:00.
Key Discriminators
A highly adaptable and customizable insurance plan that directly addresses the specific employee demographics and potential health needs of SIA 'DOBELES NAMSAIMNIEKS'.
Exceptional customer service and claims processing efficiency, backed by strong testimonials or case studies (if permissible).
A clear and compelling presentation of the financial proposal, demonstrating superior value for money without compromising on quality of coverage.
Social Value Opportunities
While not explicitly required, consider a subtle mention of the provider's commitment to employee well-being beyond basic coverage, such as access to wellness resources or preventative health information, if it aligns with the provider's existing offerings and can be presented concisely.
Bid Focus Areas
Technical Proposal (Proposed Insurance Programs, Details, Annual Sums)

Develop a clear, concise, and comprehensive proposal that outlines specific coverage options, benefit levels, and exclusions. Tailor the program to the likely needs of SIA 'DOBELES NAMSAIMNIEKS' employees. Ensure all required details (annual sums) are accurately specified.

Financial Proposal (Premiums)

Present a competitive premium structure. Clearly break down costs and demonstrate value. Consider offering tiered options if appropriate, but ensure the primary offering is attractive.

Compliance and Documentation

Meticulously review and adhere to all submission requirements, procedural regulations, and contract terms. Ensure all supporting documents are correctly formatted, complete, and submitted on time.

Recommendations7
Thoroughly Analyze All Procedural Documents
CriticalHigh effort

Conduct an in-depth review of 'Nolikums SIA DN 2026/5', 'Iepirkuma priekšmeta prasības, 1.versija', and 'Nolikuma pielikums Nr_4' to ensure complete understanding and adherence to all mandatory requirements, submission formats, and contractual obligations.

Ensures bid compliance and avoids disqualification.
Develop a Value-Driven Proposal
CriticalMed effort

Given the unspecified evaluation criteria, focus on clearly articulating the unique value proposition of the proposed insurance program. Highlight benefits beyond basic coverage, such as ease of administration, customer service, and potential for employee satisfaction.

Maximizes perceived value and strengthens competitive positioning.
Tailor Insurance Program to Client Needs
HighMed effort

Demonstrate a deep understanding of SIA 'DOBELES NAMSAIMNIEKS' by proposing an insurance program that is specifically tailored to the likely needs and demographics of their employees, rather than a generic offering.

Increases relevance and appeal of the bid.
Ensure Accurate and Competitive Pricing
CriticalHigh effort

Carefully calculate and present annual insurance sums and premiums. Benchmark against market rates to ensure competitiveness while maintaining profitability. Clearly justify the pricing structure.

Directly influences financial evaluation and overall bid attractiveness.
Establish a Robust Internal Review Process
HighMed effort

Implement a multi-stage internal review process involving technical, financial, and legal experts to catch any errors, omissions, or non-compliance issues before submission.

Minimizes risk of disqualification due to errors.
Prepare Supporting Documents Meticulously
MediumMed effort

Ensure all required supporting documents are complete, accurate, and formatted according to any specified guidelines. Double-check for consistency with the main proposal.

Demonstrates professionalism and attention to detail.
Adhere Strictly to Submission Deadline
CriticalLow effort

Plan submission well in advance of the deadline (2026-03-26 10:00:00) to account for any technical issues or last-minute checks.

Prevents disqualification due to late submission.
Competitive Positioning
Position the offering as the most comprehensive and cost-effective solution for employee health and well-being, emphasizing reliability and ease of management for SIA 'DOBELES NAMSAIMNIEKS'.

Competitors

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Requirements & Qualifications

15 requirements across 5 categories

Submission (7)
Mandatory (1)
Compliance (3)
Technical (2)
Financial (2)
SUBMISSION REQUIREMENTS7
--Bidders must fill in details about their proposed insurance programs.
--Bidders must attach supporting documents.
--Bidders must specify annual insurance sums and premiums for different coverage programs.
MANDATORY EXCLUSION GROUNDS1
--No specific mandatory exclusion grounds are detailed in the provided text.
ELIGIBILITY REQUIREMENTS3
--Bidders must be able to provide health insurance programs.
--Bidders must be able to fill in details about their proposed insurance programs.
--Bidders must attach supporting documents.
TECHNICAL CAPABILITY REQUIREMENTS2
--Bidders must propose insurance programs for employees of SIA "DOBELES NAMSAIMNIEKS".
--Bidders must provide details about their proposed insurance programs.
FINANCIAL REQUIREMENTS2
--Bidders must specify annual insurance sums for different coverage programs.
--Bidders must specify premiums for different coverage programs.

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Documents

6 documents available with AI summaries

Iepirkuma priekšmeta prasības, 1.versijaPDF
167755_PD.ANY_1_1_1_20260309114248.pdf -- 94.3 KB

This document contains the tender requirements for employee health insurance, including technical and financial proposal specifications, and evaluation criteria.

Nolikuma pielikums Nr_1DOC
Nolikuma pielikums Nr_1_1.docx -- 18.6 KB

Summary generation failed

Nolikuma pielikums Nr_2DOC
Nolikuma pielikums Nr_2_1.docx -- 24.6 KB

This document contains the technical specification for health insurance for SIA "DOBELES NAMSAIMNIEKS" employees, requiring bidders to fill in details about their proposed insurance programs and attach supporting documents.

Nolikuma pielikums Nr_3DOC
Nolikuma pielikums Nr_3_1.docx -- 16.9 KB

This document contains a financial offer form for insurance services, requiring bidders to specify annual insurance sums and premiums for different coverage programs.

Nolikuma pielikums Nr_4DOC
Nolikuma pielikums Nr_4.docx -- 21.4 KB

This document contains a draft contract for employee health insurance between SIA "DOBELES NAMSAIMNIEKS" and an insurance provider, outlining terms, conditions, and responsibilities for the insurance coverage.

Nolikums SIA DN 2026/5DOC
Nolikums_2026.docx -- 65.5 KB

This document contains the regulations for a public procurement procedure by SIA "DOBELES NAMSAIMNIEKS" for employee health insurance services.

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75
Good

Tender Quality Score

This tender for employee health insurance is generally well-structured with clear requirements and a reasonable timeline. However, it lacks transparency regarding the estimated value and specific evaluation criteria, and there are concerns about document access.

Score Breakdown

Legal Compliance75/100

The tender adheres to general procurement regulations with a clear procedure and CPV code. Deadlines appear reasonable. No disputes are noted. The primary concern is the potential for restricted document access, which could impact legal compliance if not resolved.

•Restricted document access
Clarity80/100

The description of the service is clear, and the AI-extracted requirements provide a good overview of what is expected from bidders. The attached documents, such as technical specifications and financial forms, further clarify the requirements.

Completeness70/100

Most basic information is present, including the contract duration and deadlines. However, the estimated value is not disclosed, which is a significant omission. The number of attached documents is adequate.

•Estimated value not disclosed
Fairness85/100

The tender utilizes e-procurement, which promotes fairness. The criteria, while not explicitly detailed in the provided text, are implied through the technical and financial requirements. The main concern is the potential for restricted document access, which could limit fair competition.

•Restricted document access
•No evaluation criteria specified
Practicality65/100

The tender is marked as e-procurement, suggesting e-submission is likely. The contract start date is not explicitly stated, but the duration is clear. Financing information is absent. The availability of a draft contract is a positive practical aspect.

•Contract start date not specified
•Financing information absent
Data Consistency90/100

Key fields such as title, reference, organization, and deadlines are populated. There are no noted suspensions or disputes. The dates provided are logical within the context of the tender timeline.

Sustainability50/100

There is no explicit mention of green procurement, social aspects, or innovation. The tender is not indicated as EU funded. This suggests a lack of focus on sustainability criteria.

•Not green procurement
•No social criteria

Strengths

Clear description of services
E-procurement utilized
Comprehensive set of required documents
Reasonable contract duration

Concerns

Estimated value not disclosed
Lack of specified evaluation criteria
Potential for restricted document access

Recommendations

1. Disclose the estimated value of the contract.
2. Clearly outline the evaluation criteria for bids.
3. Ensure all tender documents are fully accessible to all potential bidders.

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