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Tenderi

Zdravstveno osiguranje zaposlenih u RIA (2026-2027)

Otvoreno
Rok
ostalo 5 dana
April 09, 2026
Detalji ugovora
Kategorija
Usluge
Referenca
307080
Vrednost
€130,000
Lokacija
Estonia, Estonija
Objavljeno
Mart 23, 2026
CPV šifra
Kriterijumi za ocenu
Dentistry maximum compensation limit20%
Psychiatrist and psychologist counseling service maximum compensation limit13%
Optics maximum compensation limit13%
Ambulatory family and specialist care maximum compensation limit10%
Psychiatrist and psychologist counseling service deductible percentage7%
Ambulatory family and specialist care deductible percentage7%
Preventive examinations deductible percentage7%
Preventive examinations maximum compensation limit7%
Ambulatory rehabilitation maximum compensation limit5%
Optics deductible percentage3%
Dentistry deductible percentage3%
Ambulatory rehabilitation deductible percentage2%
Vaccination maximum compensation limit2%
Vaccination deductible percentage1%
Vremenski okvir projekta

Objavljen tender

Mart 23, 2026

Rok za pitanja

April 02, 2026

Rok za podnošenje ponuda

April 09, 2026

Otvaranje ponuda

April 09, 2026

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Budžet
€130,000
Trajanje
12 meseci
Lokacija
Estonia
Tip
Usluge
75
Rezultat kvaliteta/100
Dobro
Uporedna analiza tržišta
Prosečna pobednička cena
€844,224
Prosečan broj ponuda
3.1
Konkurencija
Srednja
Pobednici iz redova MSP
69%
297 analiziranih tendera

Originalni opis tendera

Svrha nabavke je zaključenje ugovora o kupovini usluga zdravstvenog osiguranja poslodavca.
Elektronsko podnošenje

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Strategija za pobedu

AI analiza zahteva, prilika i izazova ovog tendera. Dobijte strateške uvide za povećanje verovatnoće pobede.

75%
Procenjena verovatnoća pobedeUmereno podudaranje

This tender prioritizes competitive pricing and comprehensive coverage, particularly in high-impact areas like dentistry and specialist care. A winning strategy will focus on maximizing compensation limits while minimizing deductibles, supported by robust data protection and clear service offerings.

Ključne poruke za pobedu

Superior Value: Offering the most comprehensive coverage at the most competitive price point.

Trusted Partner: Demonstrating unwavering commitment to data security and regulatory compliance.

Employee Well-being Focus: Providing a health insurance solution that genuinely supports the well-being of Riigi Infosüsteemi Amet employees.

Ključne prilike
Maximize points in high-weight evaluation criteria by offering leading compensation limits and minimal deductibles.
Leverage existing GDPR compliance frameworks to present a strong and reassuring data processing overview.
Offer a clear and attractive choice between health insurance and sports compensation to meet the diverse needs of employees.
Ključni izazovi
Intense competition on price and coverage limits, especially in high-weight categories.

Conduct thorough market analysis to benchmark competitor offerings and identify opportunities for aggressive pricing without compromising profitability. Focus on demonstrating value beyond just price, such as superior service or broader network access.

Ensuring all mandatory requirements, particularly around data processing and compliance, are met without any omissions.

Implement a rigorous internal review process for all submission documents, with specific checks for GDPR compliance and data processing details. Engage legal counsel if necessary to ensure accuracy and completeness.

Profil idealnog ponuđača
An established health insurance provider with a strong track record in the Estonian market, capable of offering competitive compensation limits and low deductibles across a broad range of services. The bidder must demonstrate strict adherence to GDPR and possess efficient operational processes for personal data handling.
Ključni zahtevi
Maximum compensation limits in euros for each type of insurance coverage.
Adherence to data processing agreements according to GDPR.
Overview of personal data processing.
Confirmation of compliance with contracting authority conditions.
Offer of health insurance or sports compensation to employees.
Ključni diskriminatori
Offering compensation limits that significantly exceed the highest benchmarked competitor, particularly in the top-weighted categories.
Demonstrating a proactive and innovative approach to employee well-being that goes beyond the basic requirements, even though innovation is not explicitly sought.
Providing a highly detailed and transparent overview of personal data processing, highlighting advanced security measures and user-centric data handling practices.
Prilike za društvenu vrednost
Commit to supporting local health and wellness initiatives within Estonia, potentially through partnerships or employee volunteer programs, to demonstrate broader community engagement.
Fokusne oblasti ponude
Dentistry maximum compensation limit20.0%

Offer the highest possible compensation limit, aiming for the maximum points. If a slight reduction is necessary for overall competitiveness, ensure it's a calculated decision based on the scoring formula.

Psychiatrist and psychologist counseling service maximum compensation limit13.0%

Prioritize a high compensation limit here, as it's a critical area for employee well-being and carries significant weight.

Optics maximum compensation limit13.0%

Similarly, aim for a leading compensation limit to capture maximum points in this important category.

Ambulatory family and specialist care maximum compensation limit10.0%

Offer a very competitive compensation limit to secure a high score in this broad and essential service area.

Psychiatrist and psychologist counseling service deductible percentage7.0%

Aim for the lowest possible deductible percentage to maximize points. This is a key differentiator for service accessibility.

Ambulatory family and specialist care deductible percentage7.0%

Strive for the lowest deductible percentage to gain a significant advantage in this broad service category.

Preporuke6
Aggressively Price High-Weight Compensation Limits
KritičnoSrednji napor

Focus on offering the highest possible compensation limits for Dentistry, Psychiatrist/Psychologist, Optics, and Ambulatory Family/Specialist Care. Benchmark competitor offerings and aim to exceed them to secure maximum points in these heavily weighted evaluation criteria.

Significantly increases the likelihood of winning by scoring highly on the most important evaluation factors.
Minimize Deductible Percentages in Key Areas
KritičnoSrednji napor

Prioritize offering the lowest possible deductible percentages for Psychiatrist/Psychologist, Ambulatory Family/Specialist Care, and Preventive Examinations. This directly translates to higher scores in these criteria.

Improves the overall score and makes the bid more attractive by reducing out-of-pocket costs for employees.
Ensure Flawless GDPR Compliance and Data Processing Documentation
KritičnoVeliki napor

Prepare a comprehensive and clear overview of personal data processing, explicitly detailing adherence to GDPR. This includes outlining data security measures, data retention policies, and the rights of data subjects. A joint bid must include a power of attorney.

Avoids mandatory exclusion and builds trust with the contracting authority.
Highlight Service Flexibility and Employee Choice
VisokoMali napor

Emphasize the ability to offer both comprehensive health insurance and sports compensation, showcasing how this flexibility caters to the diverse needs and preferences of the Riigi Infosüsteemi Amet employees.

Adds value beyond the basic requirements and positions the bidder as a provider focused on employee well-being.
Conduct Thorough Competitor Analysis
SrednjeSrednji napor

Research past tenders and publicly available information on competitor offerings in the Estonian health insurance market to understand their typical compensation limits and deductible structures. This will inform pricing and coverage strategies.

Enables more informed and competitive bid development.
Develop a Clear Business Secrets Statement
SrednjeMali napor

Prepare a concise and well-defined statement regarding business secrets, ensuring it complies with the tender requirements without revealing proprietary information that could be detrimental.

Meets a mandatory requirement and avoids potential issues during the evaluation process.
Konkurentsko pozicioniranje
Position the bid as offering the best overall value by combining highly competitive compensation limits with low deductibles, directly addressing the core evaluation criteria. Emphasize a commitment to data security and GDPR compliance as a testament to operational excellence and trustworthiness, differentiating from potentially less rigorous competitors.

Konkurenti

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Zahtevi i kvalifikacije

20 zahteva u 5 kategorija

Predaja (10)
Obavezno (1)
Usklađenost (2)
Tehnički (6)
Finansijski (1)
SUBMISSION REQUIREMENTS10
--The tender is not divided into parts, as the contracting authority wishes to purchase a complete service.
--Bidders must confirm compliance with conditions.
--Bidders must submit a power of attorney if submitting a joint bid.
MANDATORY EXCLUSION GROUNDS1
--Bidders must comply with the conditions set by the contracting authority.
ELIGIBILITY REQUIREMENTS2
--Bidders must confirm compliance with the conditions.
--Joint bidders must submit a power of attorney.
TECHNICAL CAPABILITY REQUIREMENTS6
--Bidders must describe business secrets.
--Bidders must describe compensation limits.
--Bidders must provide an overview of personal data processing.
FINANCIAL REQUIREMENTS1
--Not specified in the provided documents.

Pregled zahteva

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Dokumenti

10 dokumenata dostupno sa AI sažecima

VastavustingimusedPDF
307080_vastavustingimused.pdf -- 4.6 KB

The contracting authority, Riigi Infosüsteemi Amet, requires bidders to comply with conditions, including submitting a joint bidder authorization, confirming compliance with tender terms, and describing trade secrets and compensation limits.

Pakkuja esitab hüvitislimiitide maksimaalse summa kindlustuskaitse liikide lõike...DOC
2026_hüvitislimiitide maksimaalne summa kindl... -- 14.1 KB

Bidders must provide the maximum compensation limits in euros for each type of insurance coverage.

Hindamiskriteeriumid ja hinnatavad näitajadPDF
307080_hindamiskriteeriumid.pdf -- 6.8 KB

This tender document outlines the evaluation criteria for health insurance, including the weighting of benefits and co-payments for various services, to ensure the selection of the best offer.

Hankepass täiendatavate selgitustegaPDF
307080_hankepass_taiendavate_selgitustega.pdf -- 65.9 KB

The procurement pass is an initial self-declaration by the economic operator, containing the contracting authority's stipulated conditions and the format of expected responses, but is not a document intended for completion.

HindamismetoodikaDOC
2026_hindamismetoodika.docx -- 23.5 KB

Tender offers will be evaluated using a point system, where points are awarded for compensation limits and deductible percentages according to the criteria outlined in the table.

Hankelepingu projektDOC
2026_HL_projekt.docx -- 28.1 KB

The Information System Authority is seeking an insurance provider for employee health insurance services for the period 2026-2027, based on this draft contract.

HL Lisa 2 AndmetöötluslepingDOC
2026_HL_projekt_Lisa 2_andmetöötlusleping.doc... -- 18.6 KB

This data processing agreement defines the rules and obligations for personal data processing during the provision of the public procurement service in accordance with GDPR.

HL Lisa 3 Isikuandmete töötlemise ülevaade (näidis)XLS
2026_HL_projekt_Lisa 3 Isikuandmete töötlemis... -- 13.6 KB

This document outlines the personal data processing overview that potential bidders must complete and submit in relation to the Health Insurance for Riigi Infosüsteemi Amet Employees tender.

Tehniline kirjeldusDOC
2026_tehniline kirjeldus_FINAL.docx -- 27.9 KB

The Information System Authority is seeking a provider for employer health insurance services for the period 2026-2027, offering employees a choice between health insurance or sports compensation.

LisateaveDOC
Avatud hankemenetlused - lisateave pakkujale.... -- 26.1 KB

This document provides general information about the open procurement procedure, including tender conditions, joint submissions, and bid formatting requirements.

Pregled dokumenata

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75
Dobro

Rezultat kvaliteta tendera

This tender for employee health insurance is generally well-structured with clear objectives and a defined timeline. Key documentation is available, and the e-procurement process is utilized. Areas for improvement include a stronger focus on sustainability and more explicit detail on financial requirements beyond the estimated value.

Pregled rezultata

Zakonska usklađenost75/100

The tender adheres to standard legal requirements for public procurement. Deadlines appear reasonable, and the procedure is outlined with a clear CPV code. No disputes are reported. The procedure type 'A' suggests a standard open procedure.

Jasnoća80/100

The description of the service sought is clear. Requirements are generally documented, and evaluation criteria are specified, though the detailed weighting is in separate documents. Conditions for bidders are outlined.

Potpunost70/100

Most basic information is present, including estimated value, duration, and deadlines. Key documents like the draft contract and data processing agreements are attached. However, financial requirements for bidders are not explicitly detailed.

Financial requirements for bidders are not explicitly specified in the provided AI-extracted requirements.
Pravičnost85/100

The tender is conducted via e-procurement, offering full document access. The estimated value is disclosed, and deadlines seem reasonable. Evaluation criteria are based on relative weighting, which is objective. The requirement for 'Reserved to Specific Profession' could potentially limit competition, but is not flagged as discriminatory without further context.

The 'Reserved to Specific Profession' characteristic may limit the pool of eligible bidders.
Praktičnost65/100

E-submission and e-procurement are supported. The contract start date is implied by the tender timeline. Financing information is not detailed, and the contract duration is specified as 12 months.

Specific financing information for the project is not detailed.
Contract start date is not explicitly stated, but can be inferred from tender dates.
Konzistentnost podataka90/100

Key fields such as title, reference, organization, deadlines, and value are populated. There are no reported suspensions or disputes. Dates are logically sequenced (Reveal Date < Submission Deadline < Opening Date).

Održivost50/100

The tender does not explicitly mention green procurement criteria, social aspects, or innovation. It is not indicated as EU-funded, limiting its sustainability score.

Lack of explicit inclusion of green procurement, social responsibility, or innovation criteria.

Prednosti

Clear and specific title and CPV code.
Well-defined timeline and reasonable deadlines.
Utilizes e-procurement for transparency and accessibility.
Key documents like draft contract and data processing agreements are provided.

Nedostaci

Financial requirements for bidders are not explicitly detailed.
Lack of explicit sustainability criteria (green, social, innovation).
Potential limitation of bidders due to 'Reserved to Specific Profession'.

Preporuke

1. Provide more explicit details on financial requirements for bidders.
2. Integrate sustainability criteria to align with modern public procurement practices.
3. Clarify the scope and intent behind 'Reserved to Specific Profession' to ensure maximum competition.

Pregled AI ocene

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