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Employer's health insurance 2026-2027

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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 02, 2026
Contract Details
Category
Services
Reference
306302
Value
€32,000
Location
Estonia
Published
February 17, 2026
CPV Code
Evaluation Criteria
Stomatology20%
Prescription medicines10%
Prophylactic health examinations10%
Outpatient family and specialist medical care10%
Co-payment rate.10%
Inpatient services10%
Doctor-prescribed diagnostic procedures10%
Mental health counseling service10%
Rehabilitation10%
Project Timeline

Tender Published

February 17, 2026

Deadline for Questions

February 23, 2026

Submission Deadline

March 02, 2026

Tender Opening

March 02, 2026

Contract Start Date

April 01, 2026

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Budget
€32,000
Duration
12 months
Location
Estonia
Type
Services
85
Quality Score/100
Excellent
Market Benchmark
Avg. Winning Price
€844,224
Avg. Bids
3.1
Competition
Medium
SME Winners
69%
297 tenders analyzed

Original Tender Description

The purpose of the procurement is to conclude an insurance contract for the purchase of employer's health insurance services for the period 01.04.2026 – 31.03.2027.
Electronic Submission

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65%
Estimated Win ProbabilityModerate Fit

This tender for employer health insurance presents a moderate competition opportunity. Success hinges on a meticulously compliant bid that clearly demonstrates technical capability and cost-effectiveness within the specified premium cap. Differentiation will come from proactive service management and clear communication of value beyond basic coverage.

Key Winning Messages

Reliable and compliant health insurance partner delivering comprehensive coverage within budget.

Proactive service management and clear communication for optimal employee well-being.

Key Opportunities
The absence of specified evaluation criteria suggests that compliance and cost will be paramount. A bid that is 100% compliant and competitively priced has a strong chance of success.
The relatively short contract duration (12 months) may appeal to bidders looking for a focused engagement, potentially leading to less aggressive competition from providers seeking long-term, complex contracts.
The explicit mention of GDPR and data protection requirements in Document 2 provides an opportunity for bidders with demonstrably strong data security and privacy protocols to highlight their capabilities.
Key Challenges
The lack of specified evaluation criteria makes it difficult to optimize the bid beyond meeting minimum requirements and cost. Bidders must assume a strong emphasis on price and technical compliance.

Focus on absolute compliance with all technical and eligibility requirements. Ensure the cost structure is transparent and demonstrably offers value for money within the 400 EUR cap. Prepare to articulate the value proposition clearly in the bid narrative, even if not explicitly weighted.

The 400 EUR per employee premium cap is a significant constraint. Bidders must ensure their proposed service levels (Annex 1) can be delivered profitably within this limit.

Conduct thorough cost analysis to ensure profitability. If necessary, explore options for tiered service levels or clearly define what is included and excluded to manage expectations and costs effectively. Highlight any efficiencies in service delivery that allow for competitive pricing.

Ideal Bidder Profile
An established insurance provider with a strong track record in group health insurance, particularly within the Estonian market. They should possess robust data processing capabilities compliant with GDPR, a flexible service offering that can be tailored to meet the specific Annex 1 requirements, and a cost structure that allows for competitive pricing under the 400 EUR per employee cap.
Key Requirements
Compliance with all mandatory exclusion grounds and eligibility requirements as detailed in ESPD and general procurement documents.
Proposed health insurance service meets technical specifications, minimum service limits, and co-payment details outlined in Annex 1 (Document 3).
Annual insurance premium does not exceed 400 EUR per employee.
Adherence to the terms of the draft contract (Document 4) and data processing agreement (Document 2), including GDPR compliance.
Submission of a completed ESPD and a detailed cost structure.
Key Discriminators
Demonstrable experience in managing group health insurance for similar organizations in Estonia.
A proactive approach to service management, including clear communication channels and efficient claims processing.
A robust and transparent data protection framework that exceeds basic GDPR compliance.
A flexible service model that can adapt to the specific needs of Tallinna Hambakliinik's employees.
Social Value Opportunities
While 'Social Aspects: No' is stated, consider subtly highlighting any existing corporate social responsibility initiatives that align with employee well-being or community health, without making them a primary bid component.
Bid Focus Areas
Technical Compliance (Annex 1)

Ensure every minimum service limit and co-payment detail in Annex 1 is explicitly addressed and met. Clearly map proposed services to each requirement. Highlight any areas where the proposed service exceeds the minimums.

Cost Competitiveness (Premium Cap)

Present a clear, detailed cost structure that demonstrates value within the 400 EUR per employee cap. If possible, offer options or explain how the pricing model ensures cost-effectiveness for the contracting authority.

Eligibility and Compliance

Meticulously complete the ESPD and all other required documentation. Double-check all mandatory exclusion grounds and eligibility requirements. Ensure absolute adherence to the draft contract and data processing agreement.

Recommendations6
Thoroughly Analyze Annex 1
CriticalHigh effort

Scrutinize every detail in Annex 1 of Document 3, which specifies minimum service limits and co-payments. Ensure the proposed insurance plan precisely meets or exceeds these requirements. Clearly articulate how each requirement is fulfilled in the bid.

Ensures technical compliance and avoids disqualification.
Prioritize Cost-Competitiveness within Cap
CriticalHigh effort

Given the lack of explicit evaluation criteria, assume price will be a major factor. Develop a cost structure that is highly competitive and demonstrably offers value for money while staying strictly within the 400 EUR per employee annual premium cap.

Maximizes chances of winning if price is a primary, unstated, evaluation factor.
Ensure Full ESPD and Document Compliance
CriticalHigh effort

Complete the European Single Procurement Document (ESPD) accurately and thoroughly. Confirm compliance with all general procurement documents, the draft contract (Document 4), and the data processing agreement (Document 2), paying special attention to GDPR requirements.

Avoids disqualification due to procedural or legal non-compliance.
Highlight Service Management and Communication
HighMed effort

Since social and innovative aspects are not specified, differentiate by emphasizing proactive service management, efficient claims processing, and clear communication channels for both the employer and employees. This adds value beyond the basic insurance coverage.

Positions the bidder as a reliable partner, not just a service provider.
Address Data Protection Robustly
MediumMed effort

Thoroughly review the draft data processing agreement (Document 2). Clearly articulate the bidder's commitment to GDPR and data protection, highlighting any advanced security measures or protocols in place. This is a critical compliance area.

Builds trust and ensures compliance with legal requirements.
Prepare for Deadline Rigorously
MediumLow effort

The submission deadline is strict. Plan submission well in advance, allowing ample time for internal reviews, quality checks, and potential technical issues with the submission portal.

Prevents last-minute errors or disqualification due to late submission.
Competitive Positioning
Position as the most reliable and compliant provider, offering a clear path to meeting all technical and legal requirements. Emphasize cost-effectiveness within the specified premium cap. Highlight superior service management and communication as a key differentiator, even without explicit evaluation weighting.

Competitors

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Requirements & Qualifications

18 requirements across 5 categories

Submission (5)
Mandatory (1)
Compliance (5)
Technical (5)
Financial (2)
SUBMISSION REQUIREMENTS5
--Submit a completed European Single Procurement Document (ESPD).
--Submit a bid that confirms compliance with all basic procurement documents.
--Submit a detailed cost structure for the proposed services.
MANDATORY EXCLUSION GROUNDS1
--Bidder must not be subject to mandatory exclusion grounds as detailed in the ESPD guide and general procurement documents.
ELIGIBILITY REQUIREMENTS5
--Bidder must meet the qualification requirements specified in the ESPD guide.
--Bidder must confirm compliance with all basic procurement documents.
--Bidder must meet the general participation conditions outlined in the general part of the procurement documents.
TECHNICAL CAPABILITY REQUIREMENTS5
--The proposed health insurance service must meet the technical specifications for 2026-2027.
--The proposed service must include minimum service limits as specified in Annex 1.
--The proposed service must specify co-payments for various medical services as detailed in Annex 1.
FINANCIAL REQUIREMENTS2
--The annual insurance premium must not exceed 400 EUR per employee.
--The bid must include a cost structure that allows for evaluation based on the specified methodology.

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Documents

7 documents available with AI summaries

VastavustingimusedPDF
306302_vastavustingimused.pdf -- 7.4 KB

This document outlines the conditions for submitting a tender, requiring the bidder to confirm compliance with basic documents, cost structure, and equivalence, and regulates the designation of business secrets.

Hindamiskriteeriumid ja hinnatavad näitajadPDF
306302_hindamiskriteeriumid.pdf -- 8.8 KB

This document outlines the evaluation criteria and assessable indicators for the employer health insurance tender, specifying service categories, minimum limits, and the methodology for assessing offer costs.

Hankepass täiendatavate selgitustegaPDF
306302_hankepass_taiendavate_selgitustega.pdf -- 36.3 KB

This document is an explanatory guide for completing the European Single Procurement Document (ESPD), outlining the contracting authority's qualification requirements and exclusion grounds, but this PDF itself is not to be submitted, only for familiarization with the conditions.

Tehniline kirjeldusPDF
Lisa 1 Tehniline kirjeldus.pdf -- 467.1 KB

This document outlines the technical specifications for Aktsiaselts Tallinna Hambakliinik's employer health insurance for 2026-2027, detailing minimum service limits and co-payments for various medical services, with an annual premium cap of 400 EUR per employee.

Hankelepingu projektPDF
Lisa 2 – Hankelepingu projekt.pdf -- 295.9 KB

This draft contract outlines the terms and legal framework for the provision of employer health insurance services for the period 2026-2027, referencing the procurement documents and the bidder's proposal.

Andmetöötluslepingu projektPDF
Lisa 3 – Andmetöötlusleping.pdf -- 472.7 KB

This document is a draft data processing agreement outlining the rights and obligations of the controller and processor regarding personal data processing during the fulfillment of the procurement contract, ensuring compliance with GDPR and other data protection requirements.

RHAD Üldosa juhis pakkujalePDF
RHAD Üldosa_Tööandja tervisekindlustus 2026-2... -- 492.2 KB

This document is the general part of the tender documents for the open procurement "Employer Health Insurance 2026-2027", providing general information, participation conditions, and references to other tender documents for the bidder.

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85
Excellent

Tender Quality Score

This tender for employer health insurance demonstrates high quality in documentation, clarity, and fairness, providing a comprehensive and transparent procurement process. However, it lacks explicit sustainability or social responsibility criteria.

Score Breakdown

Legal Compliance85/100

The tender appears legally compliant, with a clearly defined procedure type (LM), appropriate CPV codes, and reasonable deadlines. The use of ESPD and e-procurement aligns with modern procurement standards. The 'Value Classified: Yes' alongside an estimated value is a minor point, but an estimate is provided.

Clarity90/100

The tender is exceptionally clear. The description is unambiguous, requirements are well-documented and understandable, and evaluation criteria are specified. The AI-extracted requirements are comprehensive, and supporting documents like technical specifications and draft contracts enhance clarity.

Completeness95/100

The tender is highly complete, providing all essential basic, financial, and timeline information. A comprehensive set of 8 documents, including detailed requirements, evaluation criteria, and draft contracts, ensures bidders have all necessary information.

Fairness90/100

Fairness is well-addressed, with full document access, a disclosed estimated value, and reasonable preparation time. The explicit mention of evaluation criteria and support for e-procurement promotes transparency and equal access. Requirements do not appear tailored to a specific company.

Practicality80/100

The tender is practical, supporting electronic submission and clearly stating the contract start date and duration. While a direct document URL isn't explicitly provided, e-procurement implies accessibility. More explicit financing details beyond the estimated value could be beneficial.

•Lack of explicit document URL (though implied by e-procurement)
•Financing information could be more detailed
Data Consistency95/100

Data consistency is excellent, with all key fields populated, no detected disputes or suspensions, and logical, consistent dates throughout the tender information.

Sustainability20/100

This tender scores low on sustainability as it does not explicitly include green procurement, social aspects, or innovation focus, nor is it EU-funded with typically higher standards in these areas.

•No green procurement criteria
•No social criteria

Strengths

Comprehensive documentation, including ESPD guide, technical specifications, and draft contracts.
Clear and detailed requirements covering all aspects of the procurement.
Transparent evaluation criteria and support for electronic submission/e-procurement.
High data consistency and completeness across all tender fields.
Reasonable deadlines and full access to tender documents.

Concerns

Lack of explicit sustainability, social, or innovation criteria.
The 'Value Classified: Yes' statement could cause minor confusion despite an estimated value being provided.
Financing information could be more explicit beyond just the estimated value.

Recommendations

1. Consider incorporating sustainability or social responsibility clauses where applicable in future tenders.
2. Clarify the 'Value Classified' statement if the estimated value represents the full expected cost.
3. Ensure all documents, including XML, are easily accessible and processable by all potential bidders.

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