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Tööandja poolne täiendav tervisekindlustus Lääne-Harju Vallavalitsuse ja hallatavate asutuste töötajatele

Closed

Updated October 14, 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 09, 2026
Contract Details
Category
Services
Reference
306391
Value
€56,000
Location
Estonia
Published
February 23, 2026
CPV Code
Project Timeline

Tender Published

February 23, 2026

Deadline for Questions

March 02, 2026

Submission Deadline

March 09, 2026

Tender Opening

March 09, 2026

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Key facts

Estimated value
€56,000
Deadline
Expired
CPV Code
66512200-4 — Health insurance services
Procedure
Simplified procedure
Budget
€56,000
Duration
12 months
Location
Estonia
Type
Services
Market Benchmark
Avg. Winning Price
€844,224
Avg. Bids
3.1
Competition
Medium
SME Winners
69%
297 tenders analyzed

Original Tender Description

Lääne-Harju Vallavalitsus soovib pakkuda Lääne-Harju Vallavalitsuse ja hallatavate asutuste töötajatele tööandja tervisekindlust, et anda töötajatele võimalus saada kiiremini vajalikku arstiabi.
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Win Strategy

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65%
Estimated Win ProbabilityModerate Fit

This tender seeks employer-provided health insurance for Lääne-Harju Municipality employees. The relatively low estimated value suggests a focus on cost-effectiveness and reliable service delivery. Winning requires demonstrating value for money, understanding the specific needs of a public sector employer, and offering a streamlined, efficient solution.

Key Winning Messages

Reliable and Accessible Healthcare: Delivering a health insurance solution that ensures timely access to medical services for Lääne-Harju Municipality employees, enhancing their well-being and productivity.

Value for Money: Offering a cost-effective insurance package that meets the municipality's budget while providing comprehensive benefits to its staff.

Seamless Administration: Providing a user-friendly and efficient administrative process for both the municipality and its employees, minimizing administrative burden.

Key Opportunities
Leveraging the 'Statistika' document to understand employee demographics and potential health needs, allowing for tailored benefit packages.
Focusing on the 'Hanke alusdokument' and 'Hankepass täiendatavate selgitustega' for specific administrative and procedural requirements, ensuring full compliance.
The absence of specified evaluation criteria presents an opportunity to define and emphasize key strengths in the bid, such as service quality and network accessibility, if not explicitly weighted.
Key Challenges
Lack of specified evaluation criteria and weighting makes it difficult to optimize the bid for scoring.

Proactively highlight all key strengths and benefits in the bid narrative, focusing on aspects that are generally valued in public procurement: cost-effectiveness, service quality, reliability, and ease of administration. Assume a balanced evaluation approach.

The estimated value of 56,000 EUR for 12 months is relatively modest, suggesting a strong emphasis on price competitiveness.

Develop a highly competitive pricing strategy that balances profitability with market rates. Clearly articulate the value proposition beyond just price, emphasizing efficiency and service quality to justify the proposed cost.

The tender is for a single year, which might limit the scope for long-term investment in service innovation or deep integration.

Focus on delivering an excellent service within the contract period that encourages future renewal. Highlight the provider's ability to deliver immediate value and a positive experience.

Ideal Bidder Profile
An established health insurance provider with a proven track record in public sector contracts, demonstrating strong financial stability, a comprehensive network of healthcare providers, and efficient claims processing. Experience with similar-sized municipal entities would be advantageous.
Key Requirements
Provision of employer-provided health insurance for Lääne-Harju Municipality and its managed institutions' employees.
Ensuring employees have the opportunity to receive necessary medical assistance faster.
Compliance with all relevant Estonian legal and regulatory requirements for health insurance.
Demonstration of financial capacity and stability to underwrite the insurance policy for the contract duration.
Clear and efficient claims processing and customer service for both employer and employees.
Key Discriminators
Demonstrated experience in serving public sector entities and understanding their unique procurement and administrative processes.
A highly responsive and accessible customer service model for both the contracting authority and the insured employees.
A clear and transparent claims process with a high rate of successful and timely reimbursements.
A strong network of healthcare providers within or easily accessible from the Lääne-Harju region.
Social Value Opportunities
While 'Social Aspects' are marked as 'No', consider including a commitment to supporting local healthcare initiatives or offering wellness programs for employees as a value-add, demonstrating a broader commitment to community well-being.
Bid Focus Areas
Price/Cost-EffectivenessN/A (assumed high)

Develop a competitive pricing model that reflects the estimated value while ensuring profitability. Clearly demonstrate how the proposed premium offers excellent value for the benefits provided.

Service Quality and AccessibilityN/A (assumed high)

Detail the provider's network of healthcare facilities, speed of appointment booking, and claims processing efficiency. Emphasize ease of access for employees.

Administrative EfficiencyN/A (assumed medium)

Outline a streamlined process for enrollment, policy management, and claims submission, minimizing administrative burden for the municipality.

Provider Experience and ReliabilityN/A (assumed high)

Showcase a strong track record, financial stability, and positive client testimonials, particularly from public sector clients if available.

Recommendations6
Thoroughly Analyze 'Statistika' Document
CriticalMed effort

Examine the 'Statistika' document to understand employee demographics, potential health trends, and usage patterns. This insight is crucial for tailoring the insurance offer and demonstrating an understanding of the client's needs.

Enables a more relevant and competitive proposal, potentially leading to better benefit design and pricing.
Develop a Robust Pricing Strategy
CriticalHigh effort

Given the absence of explicit evaluation criteria and the modest estimated value, a highly competitive price is likely to be a significant factor. Develop a pricing model that is both attractive to the municipality and sustainable for the provider.

Increases the likelihood of being shortlisted or winning based on cost.
Emphasize Service and Accessibility
HighMed effort

Since evaluation criteria are not specified, highlight the ease of access to healthcare services, the responsiveness of customer support, and the efficiency of the claims process as key differentiators. Focus on benefits for the employees.

Positions the bidder as a provider that prioritizes employee well-being and employer satisfaction.
Address Unspecified Evaluation Criteria Proactively
HighMed effort

Prepare a bid that covers all likely evaluation areas (price, service, experience, administration) with strong evidence. Assume a balanced evaluation and present a compelling case across all these aspects.

Ensures the bid is well-rounded and addresses potential, unstated evaluation priorities.
Clarify Administrative Processes
MediumLow effort

Clearly outline the administrative processes for enrollment, policy management, and claims handling. Demonstrate how these processes are streamlined and user-friendly for both the municipality and its employees.

Reduces perceived administrative burden for the contracting authority.
Propose Value-Added Wellness Initiatives
LowLow effort

Even though social value is not explicitly required, consider offering optional wellness programs or health promotion resources as a value-add. This can differentiate the bid and demonstrate a commitment to employee health beyond basic insurance.

Enhances the bid's attractiveness and demonstrates a forward-thinking approach.
Competitive Positioning
Position the offering as the most reliable and cost-effective solution for Lääne-Harju Municipality, emphasizing the provider's ability to deliver immediate value and a high level of service for its employees. Highlight efficiency in administration and claims processing to alleviate any potential concerns about a short contract duration.

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Basic Requirements

  • Company registration in EU required
  • Proven track record in similar projects
  • Financial stability documentation

Documents

8 documents available with AI summaries

VastavustingimusedPDF
306391_vastavustingimused.pdf -- 5.4 KB

Tender document 'Vastavustingimused' in .PDF format (5,568 bytes).

Hindamiskriteeriumid ja hinnatavad näitajadPDF
306391_hindamiskriteeriumid.pdf -- 11.5 KB

Tender document 'Hindamiskriteeriumid ja hinnatavad näitajad' in .PDF format (11,738 bytes).

Hankepass täiendatavate selgitustegaPDF
306391_hankepass_taiendavate_selgitustega.pdf -- 36.2 KB

Tender document 'Hankepass täiendatavate selgitustega' in .PDF format (37,102 bytes).

StatistikaPDF
Confido Terviselahendus statistika KÕIK KOKKU... -- 422.4 KB

Tender document 'Statistika' in .PDF format (432,561 bytes).

Hankelepingu projektDOC
Hankelepingu projekt.docx -- 26.9 KB

Tender document 'Hankelepingu projekt' in .DOCX format (27,503 bytes).

Hanke alusdokumentDOC
Lihthanke alusdokument.docx -- 41.4 KB

Tender document 'Hanke alusdokument' in .DOCX format (42,407 bytes).

Tehniline kirjeldusDOC
Lisa 1 Tehniline kirjeldus.docx -- 27.6 KB

Tender document 'Tehniline kirjeldus' in .DOCX format (28,282 bytes).

Ühispakkujate volikiriDOC
Ühispakkujate volikiri.docx -- 13.3 KB

Tender document 'Ühispakkujate volikiri' in .DOCX format (13,603 bytes).

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Quality Score

Comprehensive quality analysis of this tender scoring legal compliance, clarity, completeness, fairness, practicality, data consistency, and sustainability on a 0-100 scale with detailed breakdown and recommendations.

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