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Tenders

Procurement of employee health insurance services for 1 year

Open
Deadline
16 days left
April 20, 2026
Contract Details
Category
Services
Reference
164678
Value
Not disclosed
Location
Riga, Latvia
Published
March 22, 2026
CPV Code
Project Timeline

Tender Published

March 22, 2026

Deadline for Questions

April 13, 2026

Submission Deadline

April 20, 2026

Tender Opening

April 20, 2026

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Budget
Not disclosed
Duration
12 months
Location
Riga
Type
Services
74
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

Procurement of employee health insurance services for 1 year

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65%
Estimated Win ProbabilityModerate Fit

This tender for employee health insurance requires meticulous adherence to mandatory exclusion grounds and submission requirements. Winning hinges on demonstrating absolute compliance, leveraging any unstated technical or financial strengths, and presenting a clear, concise bid that minimizes perceived risk for the Contracting Authority.

Key Winning Messages

Unwavering Compliance and Risk Mitigation: We offer a fully compliant bid, demonstrating a zero-risk approach to mandatory exclusion grounds and submission requirements, ensuring immediate eligibility and peace of mind for the Contracting Authority.

Streamlined Service Delivery: Our proven operational efficiency guarantees seamless implementation and management of employee health insurance services, minimizing administrative burden for Nodrošinājuma valsts aģentūra.

Key Opportunities
Lack of specified technical and financial requirements presents an opportunity for bidders with strong, albeit unstated, capabilities to differentiate themselves.
The absence of explicit social value and innovation requirements means a focus on core service delivery and compliance will be paramount, allowing bidders to excel in these fundamental areas.
The ESPD requirement for criminal organization participation, with potential self-cleaning, allows for proactive disclosure and mitigation, turning a potential negative into a positive demonstration of integrity.
Key Challenges
The lack of specified evaluation criteria makes it difficult to optimize the bid for scoring. The focus will likely be on meeting minimum requirements and avoiding disqualification.

Assume a 'most economically advantageous tender' (MEAT) approach where price and compliance are key. Focus on clear, concise documentation and a competitive price point. If possible, infer potential evaluation criteria from similar public sector tenders in Latvia.

The mandatory exclusion grounds, particularly regarding criminal organizations, require careful and truthful disclosure. Any misrepresentation could lead to immediate disqualification.

Conduct thorough due diligence on all consortium members and subcontractors. Prepare a comprehensive and honest response to the ESPD questions, including detailed self-cleaning measures if any past issues exist. Seek legal counsel if there are any ambiguities.

The estimated value is not disclosed, making it challenging to price competitively without market intelligence.

Research historical public procurement data for similar health insurance contracts in Latvia. Consult with internal sales and actuarial teams to develop a robust pricing model based on expected service utilization and risk.

Ideal Bidder Profile
An established insurance provider with a strong track record in public sector procurement, demonstrating robust compliance procedures and a clear understanding of Latvian insurance regulations. They should possess the financial stability and operational capacity to deliver the service effectively for 12 months.
Key Requirements
Submission of a complete European Single Procurement Document (ESPD).
Providing specific details related to participation in a criminal organization (and potential self-cleaning measures).
Compliance with 'Nolikums ar pielikumiem_2026_15' (regulations and candidate application form).
Adherence to mandatory exclusion grounds.
Key Discriminators
Proactive and transparent disclosure regarding mandatory exclusion grounds, including detailed self-cleaning measures if applicable, demonstrating a commitment to ethical business practices.
A clear, concise, and error-free submission package that exceeds basic compliance, showcasing meticulous attention to detail and a professional approach.
A competitive pricing strategy that reflects value for money without compromising service quality.
Social Value Opportunities
While not explicitly required, consider including a statement on commitment to fair employment practices and ethical business conduct within the application form, subtly reinforcing positive social aspects.
Bid Focus Areas
Mandatory Exclusion Grounds & ESPD ComplianceN/A (Pass/Fail)

Achieve 100% compliance. Ensure all questions in the ESPD are answered accurately and comprehensively. If self-cleaning is applicable, provide robust evidence of remedial actions taken.

Adherence to 'Nolikums ar pielikumiem_2026_15'N/A (Pass/Fail)

Thoroughly review and adhere to all instructions, forms, and regulations within this document. Ensure the candidate application form is completed without errors.

PriceLikely High (Inferred)

Develop a competitive pricing strategy based on market research and cost analysis. Aim for a price that offers good value for money to the Contracting Authority.

Recommendations6
Meticulous ESPD Completion
CriticalHigh effort

Ensure the European Single Procurement Document (ESPD) is completed with absolute accuracy and completeness, paying special attention to the section on criminal organization involvement and any required self-cleaning measures. Any omissions or inaccuracies could lead to disqualification.

Ensures eligibility and avoids immediate rejection.
Strict Adherence to 'Nolikums ar pielikumiem_2026_15'
CriticalHigh effort

Thoroughly review and understand all requirements, regulations, and the candidate application form within 'Nolikums ar pielikumiem_2026_15'. Ensure all submitted documents align perfectly with these specifications.

Guarantees compliance with procedural requirements.
Assume Price is a Key Differentiator
HighMed effort

Given the lack of specified evaluation criteria, assume that price will be a significant factor. Develop a competitive pricing strategy that offers value for money, supported by a clear understanding of service costs and potential market rates.

Increases competitiveness and potential for winning.
Demonstrate Robust Internal Controls
MediumLow effort

While not explicitly asked for, subtly highlight any internal processes or certifications that demonstrate strong ethical conduct, compliance, and risk management, especially in relation to the mandatory exclusion grounds.

Builds trust and confidence in the bidder's integrity.
Conduct Internal Due Diligence
HighMed effort

Perform thorough internal checks to ensure no mandatory exclusion grounds apply to the bidding entity or its key personnel. If any issues exist, prepare detailed and credible self-cleaning measures.

Prevents disqualification due to non-compliance.
Seek Legal Counsel on Exclusion Grounds
CriticalMed effort

If there is any ambiguity or potential concern regarding mandatory exclusion grounds, consult with legal experts specializing in public procurement law to ensure the response is accurate and legally sound.

Minimizes legal and compliance risks.
Competitive Positioning
Position the bid as the most compliant and risk-averse option. Emphasize the thoroughness of the submission and the proactive approach to mandatory exclusion grounds. Highlight operational efficiency and reliability to assure the Contracting Authority of seamless service delivery.

Competitors

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Requirements & Qualifications

8 requirements across 5 categories

Submission (4)
Mandatory (1)
Compliance (1)
Technical (1)
Financial (1)
SUBMISSION REQUIREMENTS4
--Submit a European Single Procurement Document (ESPD).
--Provide specific details related to participation in a criminal organization.
--Potentially include self-cleaning measures if applicable.
MANDATORY EXCLUSION GROUNDS1
--Bidders must not be involved in criminal organizations.
ELIGIBILITY REQUIREMENTS1
--Not specified.
TECHNICAL CAPABILITY REQUIREMENTS1
--Not specified.
FINANCIAL REQUIREMENTS1
--Not specified.

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Documents

4 documents available with AI summaries

Iepirkuma priekšmeta (1.posma) prasības, 1.versijaPDF
164678_PD.ANY_1_1_1_20260322095334.pdf -- 97.3 KB

This document outlines the requirements for bidders participating in a tender for employee health insurance services, specifying exclusion conditions, selection criteria, and required documentation.

ESPDXML
espd-request.xml -- 138.7 KB

This document contains a European Single Procurement Document (ESPD) request concerning a criterion for participation in a criminal organization, requiring specific details and potential self-cleaning measures.

Nolikums ar pielikumiem_2026_15ZIP
Nolikums_2026_15 1.posms.zip -- 108.7 KB

This document contains the regulations and a candidate's application form for a tender procedure concerning employee health insurance services.

Main tender pageHTM
index.html

This document contains the basic data for a tender procedure concerning the procurement of employee health insurance services for one year, identified as IeM NVA 2026/15.

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74
Good

Tender Quality Score

This tender for employee health insurance is generally well-structured, with clear basic information and documentation. However, concerns exist regarding the undisclosed estimated value and the potential for restricted document access, impacting overall fairness and completeness.

Score Breakdown

Legal Compliance75/100

The tender appears compliant with general procurement regulations, including CPV code and a reasonable submission deadline. No disputes are noted. The procedure 'neg-w-call' is standard. However, the lack of disclosed value could be a procedural concern in some jurisdictions. The reliance on attached documents for crucial information such as eligibility and technical requirements could be flagged.

Estimated value not disclosed, which may be a procedural requirement in some jurisdictions.
Clarity80/100

The title and basic description are clear. The requirements are largely detailed within the attached documents, which are referenced. However, the AI-extracted requirements indicate that key criteria such as eligibility, technical capability, and financial requirements are 'Not specified' in the main body, necessitating a thorough review of all linked documents.

Key requirements (eligibility, technical, financial) are not explicitly detailed in the main tender notice, requiring consultation of multiple attached documents.
Completeness70/100

Most basic information is present, including duration and deadlines. However, the critical 'Estimated Value' is not disclosed, which is a significant omission. While four documents are provided, the specifics of eligibility, technical, and financial requirements are not immediately visible, impacting the completeness from a bidder's initial review perspective.

Estimated value is not disclosed.
Detailed eligibility, technical, and financial requirements are not readily apparent in the main tender notice.
Fairness75/100

The tender utilizes e-procurement, which is a positive aspect for fairness. The objective criteria are not explicitly stated in the provided summary, which could be an issue if not fully detailed in the linked documents. The mention of 'Restricted document access' in the issues section is a significant concern for fairness, as it may limit the ability of all potential bidders to fully assess the tender.

Potential restricted document access is flagged, which hinders full document access for all bidders.
Evaluation criteria are not specified in the provided overview.
Practicality70/100

The tender is marked as 'E-Procurement', suggesting e-submission is likely. A clear contract duration of 12 months is provided. However, the lack of disclosed financial information and a clear start date (implied by contract duration but not explicit) slightly reduces practicality. The reliance on numerous attached documents for crucial information can also add to the practical effort required.

Contract start date is not explicitly stated, only duration.
Financial information (estimated value) is not disclosed.
Data Consistency90/100

Key fields like title, reference, organization, CPV code, and deadlines are populated. The dates provided (reveal, submission, opening) are logical and sequential. No disputes or suspensions are reported, contributing to good data consistency.

Sustainability50/100

There is no explicit mention of green procurement, social aspects, innovation, or EU funding within the provided tender details. This suggests a lack of focus on sustainability criteria in this particular procurement.

No explicit mention of green procurement, social aspects, innovation, or EU funding.

Strengths

Clear basic information and title
CPV code and NUTS code provided
E-Procurement enabled
Reasonable submission deadline
Multiple relevant documents attached

Concerns

Estimated value not disclosed
Potential restricted document access
Key requirements not explicitly detailed in main notice
No explicit sustainability criteria mentioned

Recommendations

1. Disclose the estimated value of the contract to enhance transparency and fairness.
2. Ensure all tender documents are fully accessible to all potential bidders to comply with fairness principles.
3. Clearly articulate all evaluation and selection criteria within the main tender notice or a easily accessible document.

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