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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 12, 2026
Contract Details
Category
Services
Reference
165953
Value
€650
Location
Latvia
Published
February 25, 2026
CPV Code
Project Timeline

Tender Published

February 25, 2026

Deadline for Questions

March 05, 2026

Submission Deadline

March 12, 2026

Tender Opening

March 12, 2026

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Budget
€650
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

Risk Analysis

Comprehensive risk assessment covering document inconsistencies, bid risks, and readiness evaluation.

Critical Risk
90/100 risk score
Bid Readiness
20%
1 critical1 high2 medium

Risk Summary

Hankedokumentatsioon on koostatud mitmest osast, mis viitavad üksteisele, kuid sisaldavad olulisi puudujääke ja ebaselgusi. Peamine risk tuleneb nõuete ebaselgusest ja puudulikkusest, mis on tingitud viidete puudumisest või ebapiisavast detailiseeritusest erinevates dokumentides. Samuti on tuvastatud ebaselgust tähtaja ja hindamiskriteeriumide osas. Need probleemid suurendavad pakkujate riski esitada mittevastavaid pakkumusi ja võivad viia hankemenetluse ebaõnnestumiseni.

Analysis based on document summaries only. Full document content could not be loaded for some documents.

Priority Actions

Hankija peab esitama täielikud ja selged nõuded (kohustuslikud, vastavus-, tehnilised, finants-, esitamise) ühes dokumendis või tagama kõigi viidatud dokumentide kättesaadavuse ja detailiseerituse.
Hankija peab täpsustama kõik olulised hanketähtajad.
Hankija peab selgitama hindamiskriteeriumid, nende kaalud ja hindamismeetodid.

Identified Risks

!Nõuete üldine ebaselgus ja puudulikkus
Compliance

Kõik kolm dokumenti viitavad kohustuslikele, vastavus-, tehnilistele, finants- ja esitamisnõuetele, kuid nende üksikasjad puuduvad või on ebapiisavalt kirjeldatud. Viited teistele dokumentidele ('Nolikums', 'Iepirkuma priekšmeta prasības, 1.versija') ei kompenseeri seda puudujääki, kuna nende dokumentide sisu pole täielikult analüüsis kättesaadav. See takistab pakkujatel täielikult mõista ja täita hankekorda.

Impact: Pakkujad ei saa esitada täielikult nõuetele vastavaid pakkumusi, mis võib viia pakkumuste tagasilükkamiseni või lepingu sõlmimiseni tingimustel, mis ei vasta hankija tegelikele vajadustele. Hankemenetlus võib ebaõnnestuda.
Source: Iepirkuma priekšmeta prasības, 1.versija
KOHUSTUSLIKUD NOUDED [Details to be extracted from 'Iepirkuma priekšmeta prasības, 1.versija' and 'Nolikums'] VASTAVUSNOUDED [Details to be extracted from 'Iepirkuma priekšmeta prasības, 1.versija' an
Mitigation: Hankija peab esitama kõik nõuded (kohustuslikud, vastavus-, tehnilised, finants-, esitamise) ühes selges ja täielikus dokumendis või tagama, et kõik viidatud dokumendid on pakkujatele kergesti kättesaadavad ja sisaldavad piisavalt detailset informatsiooni.
!Ebaselgus hanketähtaja osas
Timeline

Peamine hankeleht mainib tähtaegu, kuid ei täpsusta konkreetseid kuupäevi pakkumuste esitamiseks, küsimuste esitamiseks ega muudeks olulisteks etappideks. See jätab pakkujatele ruumi aja planeerimise raskusteks ja võimalikeks hilinemisteks.

Impact: Pakkujad võivad hilineda pakkumuste esitamisega või planeerida ressursse valesti, mis võib mõjutada nende võimet pakkumust esitada.
Source: Main tender page
See dokument sisaldab töötajate tervisekindlustuse hankega seotud põhiandmeid, sealhulgas identifitseerimisnumbreid, tähtaegu ja hankija Kurzemes plānošanas reģions kontaktandmeid.
Mitigation: Hankija peab täpsustama kõik olulised tähtajad (pakkumuste esitamise, küsimuste esitamise, otsuste tegemise jne) hanketeates ja muudes asjakohastes dokumentides.
~Hindamiskriteeriumide ebaselgus
Operational

Dokument 'Iepirkuma priekšmeta prasības, 1.versija' mainib tehnilise ja finantspakkumuse kriteeriume ning hindamismeetodeid, kuid nende täpne sisu ja kaalud ei ole käesolevas dokumendis üksikasjalikult kirjeldatud. See võib jätta pakkujatele ruumi spekulatsioonideks hindamise osas.

Impact: Pakkujad ei saa täpselt hinnata oma pakkumuse konkurentsivõimet ega kohandada seda vastavalt hindamiskriteeriumitele, mis võib viia subjektiivse hindamiseni.
Source: Iepirkuma priekšmeta prasības, 1.versija
See dokument sisaldab töötajate tervisekindlustuse hankemenetluse nõudeid, kirjeldades esitamise korda, tehnilise ja finantspakkumuse kriteeriume ning hindamismeetodeid.
Mitigation: Hankija peab selgelt määratlema kõik hindamiskriteeriumid, nende kaalud ja hindamismeetodid, et tagada läbipaistev ja võrdne kohtlemine.
~Ebaselge lepingu tähtaegade ja tingimuste määratlus
Legal

Dokument 'Nolikums' sisaldab eeskirju esitamise, hindamise ja lepingutingimuste üksikasju, kuid puudub täpne informatsioon nende tingimuste kohta, mis võib jätta ruumi tõlgendustele.

Impact: Võimalikud vaidlused lepingu täitmise või tingimuste tõlgendamise osas pärast lepingu sõlmimist.
Source: Nolikums
AI SUMMARY (full content not available): See dokument sisaldab töötajate tervisekindlustuse riigihankemenetluse eeskirju, sealhulgas esitamise, hindamise ja lepingutingimuste üksikasju.
Mitigation: Hankija peab selgelt ja ammendavalt kirjeldama kõik olulised lepingutingimused ja tähtajad.

Document Inconsistencies

!Nõuete detailide puudumine erinevates dokumentides
Missing Info

Kõik kolm dokumenti viitavad kohustuslikele, vastavus-, tehnilistele, finants- ja esitamisnõuetele, kuid ükski dokument ei sisalda nende nõuete täpseid üksikasju. 'Iepirkuma priekšmeta prasības, 1.versija' ja 'Nolikums' viitavad teineteisele ja teistele dokumentidele, kuid nende sisu pole täielikult kättesaadav. 'Main tender page' samuti viitab nõuetele, kuid ei sisalda neid.

Iepirkuma priekšmeta prasības, 1.versija vs Nolikums
KOHUSTUSLIKUD NOUDED [Details to be extracted from 'Iepirkuma priekšmeta prasības, 1.versija' and 'Nolikums'] VASTAVUSNOUDED [Details to be extracted from 'Iepirkuma priekšmeta prasības, 1.versija' an
TENDER REQUIREMENTS (AI-extracted): * KOHUSTUSLIKUD NOUDED * [Details to be extracted from 'Iepirkuma priekšmeta prasības, 1.versija' and 'Nolikums'] * VASTAVUSNOUDED * [Details to be extracted from
Recommendation: Hankija peab koondama kõik nõuded ühte dokumenti või tagama, et kõik viidatud dokumendid on täielikud ja kergesti kättesaadavad ning sisaldavad piisavalt detailset informatsiooni.
!Ebaselgus hanketähtaegade osas
Missing Info

Peamine hankeleht mainib tähtaegu, kuid ei täpsusta konkreetseid kuupäevi. Teised dokumendid ei paku selle kohta täiendavat informatsiooni.

Main tender page vs Requirements
See dokument sisaldab töötajate tervisekindlustuse hankega seotud põhiandmeid, sealhulgas identifitseerimisnumbreid, tähtaegu ja hankija Kurzemes plānošanas reģions kontaktandmeid.
Tender requirements are to be extracted from 'Iepirkuma priekšmeta prasības, 1.versija' and 'Nolikums'. Specific deadlines are not detailed in the provided excerpts.
Recommendation: Hankija peab täpsustama kõik olulised tähtajad (pakkumuste esitamise, küsimuste esitamise, otsuste tegemise jne) hanketeates ja muudes asjakohastes dokumentides.
~Hindamiskriteeriumide detailide puudumine
Missing Info

'Iepirkuma priekšmeta prasības, 1.versija' mainib hindamiskriteeriume, kuid ei kirjelda nende täpset sisu ja kaalusid. Teised dokumendid ei paku selle kohta täiendavat informatsiooni.

Iepirkuma priekšmeta prasības, 1.versija vs Requirements
See dokument sisaldab töötajate tervisekindlustuse hankemenetluse nõudeid, kirjeldades esitamise korda, tehnilise ja finantspakkumuse kriteeriume ning hindamismeetodeid.
Specific details on evaluation criteria and their weighting are not provided in the other documents.
Recommendation: Hankija peab selgelt määratlema kõik hindamiskriteeriumid, nende kaalud ja hindamismeetodid.

Win Strategy

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

60%
Estimated Win ProbabilityModerate Fit

This tender for employee health insurance requires a strong focus on meeting mandatory requirements and demonstrating value beyond basic coverage. Given the lack of specified evaluation criteria, a proactive approach to defining and articulating value propositions, particularly in cost-effectiveness and service quality, will be crucial for differentiation.

Key Winning Messages

Cost-Effective, High-Quality Health Coverage for Public Sector Employees

Reliable and Efficient Administration of Employee Health Insurance

Partnership for Employee Well-being and Productivity

Key Opportunities
Lack of specified evaluation criteria presents an opportunity to define and champion key value drivers.
The short contract duration (12 months) may favor providers who can offer agile implementation and responsive service.
The estimated value (650.0) suggests a need for a cost-conscious yet comprehensive solution.
Key Challenges
Absence of explicit evaluation criteria makes it difficult to tailor the bid precisely to the contracting authority's priorities.

Proactively identify and articulate the most likely evaluation factors (e.g., price, service quality, provider network, administrative efficiency) and build the bid around these assumptions. Conduct thorough due diligence on the contracting authority's typical procurement preferences if possible.

The tender does not explicitly mention social value or innovation, potentially limiting opportunities for differentiation in these areas.

While not explicitly requested, subtly integrate elements that align with broader public sector goals, such as promoting employee well-being and efficient use of public funds, which can be framed as indirect social value.

Ideal Bidder Profile
An established insurance provider with a proven track record in group health insurance, particularly within the Latvian market. The ideal bidder will possess robust administrative capabilities, a strong network of healthcare providers, and a clear understanding of the public sector's procurement processes. Experience in delivering flexible and cost-effective insurance solutions for public entities would be a significant advantage.
Key Requirements
Mandatory Exclusion Grounds compliance
Eligibility Requirements compliance
Technical Capability Requirements adherence
Financial Requirements adherence
Submission Requirements adherence
Detailed understanding of 'Iepirkuma priekšmeta prasības, 1.versija' and 'Nolikums'
Key Discriminators
Demonstrated cost-efficiency through optimized premium structures and administrative overhead.
Exceptional service delivery, including rapid claims processing and accessible customer support.
A comprehensive and well-regarded network of healthcare providers across the Kurzeme region.
Proactive risk management and preventative health initiatives integrated into the insurance offering.
Social Value Opportunities
Commitment to promoting employee well-being through accessible preventative care services and health education resources, indirectly contributing to a healthier workforce and community.
Bid Focus Areas
Price/Cost-Effectiveness

Develop a highly competitive pricing structure that reflects efficient operations and a clear understanding of the estimated value. Highlight cost-saving measures and value for money.

Service Quality and Administration

Detail robust administrative processes, swift claims handling, and excellent customer support. Emphasize ease of use for both employees and the contracting authority.

Provider Network and Accessibility

Showcase a strong, geographically diverse network of healthcare providers relevant to the Kurzeme region, ensuring accessibility for all employees.

Recommendations6
Thoroughly review and comply with all mandatory requirements
CriticalHigh effort

Scrutinize 'Iepirkuma priekšmeta prasības, 1.versija' and 'Nolikums' for all mandatory exclusion grounds, eligibility, technical, financial, and submission requirements. Any non-compliance will lead to immediate disqualification.

Ensures the bid is considered for evaluation.
Proactively define and articulate evaluation criteria
CriticalMed effort

Since evaluation criteria are not specified, assume key factors like price, service quality, provider network, and administrative efficiency will be paramount. Structure the bid to clearly demonstrate superiority in these areas.

Maximizes scoring potential by addressing likely evaluation priorities.
Emphasize cost-effectiveness and value for money
HighMed effort

Given the estimated value, present a compelling case for cost efficiency without compromising on essential coverage. Highlight how your proposed solution offers the best value for the contracting authority's budget.

Appeals to budget-conscious public sector procurement.
Detail robust service delivery and administrative capabilities
HighMed effort

Provide clear, evidence-based descriptions of your claims processing, customer service, and administrative support. Focus on speed, accuracy, and ease of use for both employees and the contracting authority.

Builds confidence in operational competence and reduces perceived risk.
Integrate implicit social value through well-being promotion
MediumLow effort

While not explicitly requested, frame your offering to include elements that promote employee health and well-being, such as access to preventative care or health information. This aligns with broader public sector goals.

Adds a layer of positive perception and aligns with general public sector objectives.
Address the short contract duration with agile solutions
HighMed effort

Highlight your ability to implement and manage the insurance program efficiently within the 12-month timeframe, emphasizing responsiveness and flexibility.

Reassures the contracting authority of a smooth and efficient contract execution.
Competitive Positioning
Position your bid as the most cost-effective solution that delivers superior service quality and a comprehensive provider network, directly addressing the likely, albeit unstated, evaluation priorities of the contracting authority. Highlight your understanding of the Latvian public sector procurement landscape and your ability to provide reliable, efficient employee health insurance.

Competitors

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Requirements & Qualifications

5 requirements across 5 categories

Submission (1)
Mandatory (1)
Compliance (1)
Technical (1)
Financial (1)
SUBMISSION REQUIREMENTS1
--[Details to be extracted from 'Iepirkuma priekšmeta prasības, 1.versija' and 'Nolikums']
MANDATORY EXCLUSION GROUNDS1
--[Details to be extracted from 'Iepirkuma priekšmeta prasības, 1.versija' and 'Nolikums']
ELIGIBILITY REQUIREMENTS1
--[Details to be extracted from 'Iepirkuma priekšmeta prasības, 1.versija' and 'Nolikums']
TECHNICAL CAPABILITY REQUIREMENTS1
--[Details to be extracted from 'Iepirkuma priekšmeta prasības, 1.versija' and 'Nolikums']
FINANCIAL REQUIREMENTS1
--[Details to be extracted from 'Iepirkuma priekšmeta prasības, 1.versija' and 'Nolikums']

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Documents

2 documents available with AI summaries

Iepirkuma priekšmeta prasības, 1.versijaPDF
165953_PD.ANY_1_1_1_20260225140201.pdf -- 100.0 KB

This document outlines the requirements for a tender concerning employee health insurance, detailing submission procedures, technical and financial proposal criteria, and evaluation methods.

NolikumsDOC
Nolikums.docx -- 75.3 KB

This document contains the regulations for a public procurement procedure for employee health insurance, including details on submission, evaluation, and contract terms.

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75
Good

Tender Quality Score

This tender for employee health insurance is generally well-structured with clear basic information and a reasonable deadline. However, it lacks specific evaluation criteria and has restricted document access, impacting fairness and clarity.

Score Breakdown

Legal Compliance75/100

The tender adheres to basic legal requirements with a clear procedure and proper CPV code. Deadlines appear reasonable. No disputes are noted. The primary concern is the restricted access to key documents, which could hinder full legal compliance for potential bidders.

•Restricted document access
Clarity80/100

The core subject of the tender is clear. However, the absence of specified evaluation criteria and the reliance on external documents for detailed requirements reduce overall clarity. The AI-extracted requirements are placeholders, indicating a need for more explicit information within the notice itself.

•No evaluation criteria specified
•Details for requirements are in external documents
Completeness70/100

Most basic information is present, including deadlines, value, and duration. However, the critical details regarding exclusion, eligibility, technical, financial, and submission requirements are only referenced in external documents, making the tender notice itself incomplete.

•Key requirements detailed in external documents
Fairness85/100

The tender discloses the estimated value and uses an e-procurement system, which are positive aspects for fairness. However, restricted access to essential tender documents ('Iepirkuma priekšmeta prasības, 1.versija' and 'Nolikums') significantly limits fair competition and full document access for all potential bidders.

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

The tender is active and uses e-procurement, which is practical. However, the lack of direct links to the full tender documents within the notice and the reliance on external documents for crucial details reduce practicality. Financing information and contract start date are not explicitly stated.

•No direct URL for full tender documents
•Financing information not specified
Data Consistency90/100

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

Sustainability50/100

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

•No green procurement criteria
•No social criteria

Strengths

Clear basic information and title
Reasonable submission deadline
Estimated value disclosed
CPV code provided
Uses e-procurement

Concerns

Restricted access to key tender documents
Missing specific evaluation criteria
Reliance on external documents for detailed requirements
Lack of sustainability considerations

Recommendations

1. Ensure all essential tender documents are fully accessible to all potential bidders.
2. Clearly specify evaluation criteria within the tender notice or accessible documents.
3. Consider incorporating sustainability or innovation criteria where applicable.

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