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Tenders

SIA "Zemgales veselības centrs" Employee Health Insurance

Closed

Updated October 09, 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 02, 2026
Contract Details
Category
Services
Reference
165648
Value
€60,000
Location
Latvia
Published
February 11, 2026
CPV Code
Project Timeline

Tender Published

February 11, 2026

Deadline for Questions

February 23, 2026

Submission Deadline

March 02, 2026

Tender Opening

March 02, 2026

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Key facts

Estimated value
€60,000
Deadline
Expired
CPV Code
66000000 — Financial and insurance services
Procedure
Open procedure
Budget
€60,000
Duration
12 months
Location
Latvia
Type
Services
69
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

SIA "Zemgales veselības centrs" Employee Health Insurance

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65%
Estimated Win ProbabilityModerate Fit

This tender presents a moderate competition opportunity for health insurance providers. The key to winning lies in demonstrating superior value and service tailored to the specific needs of SIA "Zemgales veselības centrs" employees, despite the absence of explicit evaluation criteria. A strong focus on understanding the client's operational context and offering a robust, cost-effective, and responsive insurance solution will be crucial.

Key Winning Messages

Comprehensive and Tailored Health Coverage: Delivering a health insurance plan that precisely meets the needs of SIA "Zemgales veselības centrs" employees, ensuring optimal health and well-being.

Exceptional Service and Responsiveness: Providing a seamless claims process, proactive client support, and efficient communication channels to ensure a positive experience for both the employer and employees.

Value-Driven Partnership: Offering a competitive and cost-effective insurance solution that maximizes the return on investment for SIA "Zemgales veselības centrs" while ensuring high-quality benefits for its staff.

Key Opportunities
Leveraging the absence of explicit evaluation criteria to define value through a strong proposal narrative.
Capitalizing on the client's industry (healthcare) to offer specialized insights and benefits.
Focusing on a clear and concise proposal that highlights efficiency and ease of administration for the contracting authority.
Key Challenges
The absence of specified evaluation criteria makes it difficult to precisely target the most important aspects for the client.

Conduct thorough due diligence on the contracting authority to infer their likely priorities. Focus on demonstrating overall value, cost-effectiveness, and service quality, which are universally important.

Potential for a price-driven competition due to the lack of detailed evaluation criteria.

While price is important, emphasize the total value proposition, including service levels, network access, and claims efficiency, to avoid a pure price war. Highlight how a slightly higher premium can lead to better employee health outcomes and reduced absenteeism.

Ensuring all mandatory and eligibility requirements are met without ambiguity, as these are critical for exclusion.

Dedicate significant resources to meticulously review and comply with all requirements in 'Nolikum' and 'Iepirkuma priekšmeta prasības, 1.versija'. Seek clarification from the contracting authority if any requirement is unclear.

Ideal Bidder Profile
An established health insurance provider with a proven track record in the Latvian market, specifically within the healthcare sector. The ideal bidder possesses strong financial stability, a comprehensive network of healthcare providers, efficient claims processing capabilities, and a dedicated client management team. Experience in managing group health insurance for organizations of similar size and complexity is highly desirable.
Key Requirements
Compliance with all mandatory exclusion grounds as detailed in the 'Nolikum'.
Meeting all specified eligibility criteria outlined in 'Iepirkuma priekšmeta prasības, 1.versija'.
Demonstrating technical capability to provide comprehensive health insurance services as per 'Iepirkuma priekšmeta prasības, 1.versija'.
Satisfying all financial requirements as detailed in 'Iepirkuma priekšmeta prasības, 1.versija'.
Adhering to all submission requirements, including format and content, for technical and financial proposals by the deadline of 2026-03-02 10:00:00.
Key Discriminators
Demonstrated understanding of the specific healthcare needs of employees within a healthcare organization.
Proactive and personalized client management approach, including dedicated account managers.
Innovative claims processing technology that ensures speed and transparency.
A strong network of preferred healthcare providers that offer high-quality and accessible services.
Social Value Opportunities
Commitment to supporting employee well-being through preventative health programs and mental health resources, beyond standard coverage.
Bid Focus Areas
Technical Proposal (Service Quality & Capability)

Detail the comprehensive nature of the insurance plan, highlighting specific benefits relevant to healthcare professionals. Emphasize the efficiency and responsiveness of claims processing, customer service, and network access. Showcase the expertise of the support team and their understanding of the client's industry.

Financial Proposal (Price & Value)

Present a competitive price that reflects the value offered. Clearly articulate the cost-benefit analysis, demonstrating how the proposed plan will lead to improved employee health, reduced absenteeism, and overall cost savings for the organization in the long run. Avoid being the absolute lowest price if it compromises service quality.

Compliance & Eligibility

Ensure absolute adherence to all mandatory exclusion grounds and eligibility requirements. Present all documentation clearly and accurately to avoid any grounds for disqualification.

Recommendations7
Meticulous Compliance Check
CriticalHigh effort

Conduct a thorough review of 'Nolikum' and 'Iepirkuma priekšmeta prasības, 1.versija' to ensure all mandatory exclusion grounds and eligibility criteria are met. Document all compliance measures.

Prevents immediate disqualification.
Infer Client Priorities
HighMed effort

Given the lack of explicit evaluation criteria, analyze the contracting authority's profile (SIA "Zemgales veselības centrs") to infer their likely priorities. Focus on aspects like employee health, operational efficiency, and cost-effectiveness.

Aligns the bid with the client's unstated needs, increasing perceived value.
Highlight Industry-Specific Benefits
HighMed effort

Tailor the health insurance benefits to address the specific health risks and needs of employees working in a healthcare setting. This could include enhanced coverage for occupational hazards or stress-related conditions.

Demonstrates a deeper understanding of the client's unique context.
Develop a Strong Value Proposition
HighMed effort

Craft a compelling narrative that emphasizes the total value of the proposed insurance, not just the price. Focus on improved employee well-being, reduced absenteeism, and efficient claims processing.

Positions the bid as a strategic investment rather than just a cost.
Propose Preventative Health Initiatives
MediumLow effort

Include a commitment to offering or facilitating access to preventative health programs (e.g., health screenings, wellness workshops) as part of the overall employee health strategy.

Adds value beyond basic insurance and aligns with modern employee well-being trends.
Clarify Ambiguities
HighLow effort

If any requirement in the tender documents is unclear, proactively seek clarification from the contracting authority well in advance of the submission deadline.

Reduces the risk of misinterpretation and non-compliance.
Streamline Administration
MediumMed effort

Detail how the proposed solution will minimize administrative burden for SIA "Zemgales veselības centrs" through efficient reporting, easy enrollment, and clear communication channels.

Appeals to the client's need for operational simplicity.
Competitive Positioning
Position as a partner focused on the long-term health and productivity of SIA "Zemgales veselības centrs" employees, rather than just a transactional service provider.
Emphasize a proactive and responsive service model that differentiates from competitors who may offer a more reactive approach.
Highlight the financial stability and proven expertise of the bidder to assure the contracting authority of reliability and long-term commitment.

Competitors

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Requirements & Qualifications

6 requirements across 5 categories

Submission (2)
Mandatory (1)
Compliance (1)
Technical (1)
Financial (1)
SUBMISSION REQUIREMENTS2
--Requirements for the technical and financial proposals, including their format and content, are detailed in the "Iepirkuma priekšmeta prasības, 1.versija" document.
--The submission deadline for proposals is 2026-03-02T10:00:00.
MANDATORY EXCLUSION GROUNDS1
--Specific mandatory exclusion grounds for bidders are detailed in the tender regulations ("Nolikum").
ELIGIBILITY REQUIREMENTS1
--Specific eligibility criteria for bidders are outlined in the "Iepirkuma priekšmeta prasības, 1.versija" document.
TECHNICAL CAPABILITY REQUIREMENTS1
--Detailed technical requirements for the health insurance services and the bidder's capabilities are specified in the "Iepirkuma priekšmeta prasības, 1.versija" document.
FINANCIAL REQUIREMENTS1
--Specific financial requirements for bidders are outlined in the "Iepirkuma priekšmeta prasības, 1.versija" document.

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Documents

2 documents available with AI summaries

Iepirkuma priekšmeta prasības, 1.versijaPDF
165648_PD.ANY_1_1_1_20260211151548.pdf -- 97.0 KB

This document contains the procurement requirements, selection criteria, technical and financial proposal requirements, and evaluation criteria for a tender concerning health insurance for employees of SIA “Zemgales veselības centrs”.

NolikumsDOC
Nolikums_Veselibas_apdrosinasana 2026_1.docx -- 141.6 KB

This document contains the regulations for an open tender issued by SIA „Zemgales veselības centrs” for employee health insurance, identified as ZVC 2026/1.

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69
Good

Tender Quality Score

This tender for employee health insurance is generally well-structured with essential information provided, but suffers from significant data inconsistencies and potential transparency issues that could hinder bidder participation.

Score Breakdown

Legal Compliance75/100

The tender defines an open procedure and provides reasonable deadlines. However, the CPV code is overly broad, and the 'Restricted document access' flag, if true, would be a significant legal compliance issue regarding transparency. The automated flag for 'Missing evaluation criteria' also raises concerns, despite the document summary indicating their presence.

•Broad CPV code (66000000 instead of more specific health insurance CPV)
•Potential restricted document access (as flagged)
Clarity80/100

The tender description is clear, and requirements are well-referenced to specific documents. However, the automated flag indicating 'Missing evaluation criteria' suggests that these might not be immediately clear or easily identifiable in the main tender notice, impacting overall clarity.

•Potential lack of explicit evaluation criteria in the main notice
Completeness90/100

All fundamental information such as title, reference, organization, description, value, duration, and key dates are provided. The tender documents are listed and summarized, indicating that comprehensive details are available within them.

Fairness65/100

While the value is disclosed and deadlines are reasonable, the 'Restricted document access' flag is a major concern for equal access and transparency. The 'Missing evaluation criteria' flag also impacts fairness, as clear and objective criteria are essential for all bidders.

•Restricted document access (as flagged)
•Potential lack of explicit evaluation criteria in the main notice
Practicality60/100

The tender explicitly states 'E-Procurement' and an electronic opening place, yet the automated check flags 'No e-submission,' creating a significant contradiction. The absence of direct document URLs also reduces practicality for bidders.

•Contradiction regarding e-submission support
•Lack of direct document URLs
Data Consistency50/100

There are notable inconsistencies, particularly the contradiction between 'E-Procurement' and the 'No e-submission' flag, and the 'Missing evaluation criteria' flag versus the document summary. These discrepancies can cause confusion for potential bidders.

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

The tender does not include any specific green, social, or innovation-focused procurement criteria, nor is it indicated as EU-funded.

•No green criteria
•No social criteria

Strengths

Clear description of services
Open procedure type
Value disclosed and reasonable submission deadline
Comprehensive documents referenced

Concerns

Significant data inconsistencies (e-submission, evaluation criteria)
Potential restricted document access
Broad CPV code
Lack of sustainability focus

Recommendations

1. Clarify e-submission process and ensure full document accessibility.
2. Specify evaluation criteria clearly in the main notice or easily accessible section.
3. Consider using more specific CPV codes for health insurance services.

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