Publication / issue date
10-09-2026.
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Group Mediclaim Insurance Service - IRMRO contracual Employee; as per scope & previous policy; No
Indian Rubber Manufactures Research Association · Thane, Maharashtra9873483
Written by TenderKart AI from the documents published when it was generated. Check the tender for later corrigenda before you bid.
10 Sept 2026
28 Sept 2026
₹3 L
All important dates as they stand after corrigenda: publication, pre-bid/clarification deadline, bid submission deadline, bid opening, and bid validity period.
10-09-2026.
21-09-2026 12:00:00. The bid can auto-extend by 7 days, up to 3 times, unless at least 3 bids are received; no extension/corrigendum is included in the folder.
22-09-2026 12:00:00.
90 days from the Bid End Date.
No pre-bid meeting or pre-bid/representation deadline is stated. During technical evaluation, the allowed response time for a clarification is 2 days.
Tender value or estimated cost, EMD/bid security (amount, acceptable forms, validity), tender document fees, performance security, and key payment terms.
INR 300000, inclusive of all taxes; it is guidance for EMD/eligibility and not a benchmark for quoted-price reasonableness.
Not required.
ePBG is not required for this bid; therefore the general GeM e-bidding performance-security mechanism is not activated here.
No fee is required in the bid. GeM's bid disclaimer states that asking for any tender fee or bid-participation fee would make the bid/resultant contract null and void.
Quote one total all-inclusive value with a price breakup. Premium is a single premium and the buyer-specific term is 100% advance; the historic policy premium of Rs.2,36,000.00 is only the attached previous-policy reference, not the current quote.
Every pass/fail eligibility and qualification requirement: experience and past performance, turnover/net worth, registrations and certifications, consortium/JV rules, and debarment or blacklisting conditions.
Bidder must have 3 years' experience, ending March before bid opening, providing similar services to a Central/State Government organisation or PSU; contracts/orders supporting service in each financial year must be uploaded.
In the current financial year and last three financial years, bidder must have completed either 3 similar services each at least 40% of estimated cost, 2 each at least 50%, or 1 at least 80%.
MSE and Startup relaxation for years of experience and turnover are both marked No.
Insurance must be placed with one of the listed insurers or any IRDA-approved insurance company. An authorised insurance broker/agent may participate through its insurance company, and a participating authorised service provider must submit insurer/OEM authorisation.
Insurance company must have an office in Thane/Mumbai/MMRDA region and nominate one dedicated officer/agent for help and claim settlement.
MII compliance is required.
A seller debarred from GeM, and its authorised sellers, cannot participate. The person bidding must have authority to contract for the legal entity.
A bidder from a country sharing a land border with India, or a bidder with a specified ToT arrangement with such an entity, is eligible only if registered with the Competent Authority; registration must be valid at bid submission and acceptance. This extends to affected consortium/JV members, but the tender sets no other consortium/JV qualification rules.
No numeric turnover or net-worth threshold is printed. The scope advisory specifically says not to include net worth as a criterion for Public Sector General Insurance Companies.
What is being procured: the work, supplies or services, deliverables and quantities, locations, phases, completion or delivery timelines, applicable standards, and notable exclusions.
One project/lumpsum Group Mediclaim Insurance service for 24 IRMRI contractual employees, each with INR 200000 sum insured; total sum insured INR 4800000.
Insurance dates are 02-10-2026 to 01-10-2027. Cover is individual/non-floater, employees only; family dependants, top-up and organisational buffer are not included. Service is both cashless and reimbursement, IPD only, with no room-rent cap under the previous-policy baseline.
Pre-existing diseases are covered for existing members and new joiners; 30-day and first/second-year specific-disease waiting periods are waived. Pre-/post-hospitalisation is 30/60 days.
Normal delivery capped at Rs.25,000 and LSCS at Rs.45,000; available to employee or spouse only if included in data, first two dependent children only, with 9-month wait waived. Pre/post-natal is within the maternity limit; well-baby/well-mother has a 10% sub-limit.
Ambulance Rs.1,000 per claim; LASIK payable above +/-7.5D; advanced treatments, psychiatric treatment and bariatric surgery up to 50% of sum insured; CAPD in pre/post hospitalisation; ARMD up to 10% SI or Rs.50,000, whichever lower. COVID PPE limits are Rs.1,200/2 kits per isolation-room day and Rs.2,000/4 kits per ICU day, whichever lower.
Coverage is stated to be 'as per scope & previous policy'. The attached policy excludes OPD and domiciliary hospitalisation, lists infertility/experimental treatment and specified administrative/prosthesis/device costs outside scope, requires claims within 30 days after treatment (subject to discretionary waiver), and permits mid-term inclusion only for newly joined employees.
Roster includes personnel at Head Office, Oragadam/Orgadam, Sarpol, SriCity, Delhi and the GARC tyre-labelling site. The proposal/policy is requested in the name 'Indian Rubber Materials Research Institute'.
The complete checklist of documents to submit — mandatory vs conditional, with any prescribed formats, proformas or annexures — plus how to submit: portal and mode, envelope/cover structure, digital signature requirements, signing and attestation rules, and physical originals with their deadline.
Submit electronically through GeM as a Single Packet Bid. Participation constitutes acceptance of GTC, STC and ATC; no physical-original submission is required by this tender.
GeM applies Aadhaar-based e-signing; GTC states e-sign is at par with a digital signature. No DSC class or separate notarisation/attestation rule is specified.
Single-packet bid is evaluated on total value; upload the financial document showing price breakup. Bid to RA is disabled.
No physical document is stipulated. Buyer-added clauses making physical documents a pre-qualification condition are invalid, except EMD and signed Integrity Pact may be accepted within 5 days of opening; neither is required here.
Documents submitted with clarifications or representations will be visible to other participating bidders after login.
Every corrigendum/addendum in order — what changed (original vs amended value), its impact, and the action for the bidder — ending with the values that finally apply.
The AI found nothing to report for this question.
Genuine conflicts within and across the documents (original vs corrigenda, clause vs annexure, tender document vs BOQ): both sides with citations, and which value prevails.
Bid Details says contract period is 1 Year(s) 3 Day(s), while the insurance schedule is 02-10-2026 to 01-10-2027 (one year). The explicit insurance start/end dates are more specific for policy issuance, but bidder should seek written confirmation of any extra 3-day obligation.
Bid Details names 'Indian Rubber Manufactures Research Association (irmra)', whereas the scope directs the policy to be issued to 'Indian Rubber Materials Research Institute' because the company name changed. The specific policy-issuance instruction should prevail, subject to buyer confirmation and documentary proof of the legal-name change.
Core technical specifications state Co-Payment Percentage: NA, but the incorporated scope imposes 50% co-pay for femto laser surgery, bio-absorbable stent, toric lens and multifocal lens; the prior policy also lists other treatment-specific co-pays. The specific treatment-level restrictions in the scope/previous policy likely prevail over 'NA', but the final schedule needs confirmation.
The scope says all payroll employees are covered for Mumbai location, but the attached roster includes centres in Maharashtra, Delhi and Tamil Nadu/other sites. The roster is the specific insured list, but territorial/network servicing for non-Mumbai employees is unresolved.
Buyer ATC and scope say 'Claim dump amount: NIL', while the previous policy records 'Expiring claims paid and O/s as on 01-Jul-25 is Rs.1.9 with 12 inception lives'. Current data should govern if 'NIL' is an intentional updated declaration, but the units, period and meaning must be confirmed for pricing.
Only critical, tender-specific pre-bid queries that could materially change bid/no-bid, pricing, eligibility or contractual risk. Skip generic or obvious questions the documents already answer clearly.
Provide a dated claims dump for the expiring policy (paid, outstanding, incurred amount, claim count and large-loss details), clarify what 'NIL' means, and provide underwriting census fields including gender and confirmed maternity eligibility. This can materially change premium.
Issue a consolidated benefit schedule identifying whether treatment-specific 50% co-pays and all prior-policy exclusions/special conditions continue, despite core Co-Payment being marked NA.
Confirm the legal insured name with supporting name-change details and confirm whether cover is exactly 02-10-2026 to 01-10-2027 or includes the separate 1-year-3-day contract period.
Confirm that all 24 listed employees across Head Office, Delhi, Oragadam/Orgadam, Sarpol, SriCity and GARC are covered pan-India, and specify minimum cashless hospital/network and servicing requirements at each location.
Define 'similar service' for the 3-year/40%-50%-80% test and identify the exact contents of 'Certificate (Requested in ATC)', 'Additional Doc 1' and 'Additional Doc 2'; otherwise technically compliant insurers risk rejection on undefined documents.
Commercial, legal and execution risks a bidder should weigh: liquidated damages and penalties, unusual or one-sided clauses, tight timelines, and payment or security risks.
Buyer may increase or decrease contract quantity or duration up to 50% at award; after award it may increase up to 50%. For lumpsum services, scope and value may increase up to 50% only with provider consent. Price renewal/addition assumptions accordingly.
The declared 'Claim Dump Amount: NIL' is not a usable loss run and conflicts with the historic policy's claim entry. Pricing without clarified incurred claims, member gender and full location/network requirements creates material adverse-selection risk.
Bids open 22-09-2026 and insurance starts 02-10-2026, leaving 10 calendar days for evaluation, award, premium receipt, member validation, e-cards/network setup and policy issuance.
Pre-existing and major waiting periods are waived. Advanced/modern, psychiatric and bariatric treatments are covered up to 50% SI; maternity waiting is waived; room rent has no cap under the prior-policy baseline.
The incorporated previous policy requires claim filing within 30 days after treatment, limits mid-term inclusion to new joiners, and permits no refund on some deletions. Bidder should ensure proposal wording, endorsements and employee communications reproduce these controls.
Technical clarification response time is only 2 days, and clarification/representation documents may be disclosed to all participating bidders after login. Avoid uploading commercially sensitive material beyond what is necessary.
Offer prices are all-inclusive. GST changes between seller submission and bid end are for the seller's account; no price increase is allowed unless properly incorporated.
The inviting authority and relevant contacts: office, person, designation, address, phone and email — and which address receives physical submissions, if any.
Indian Rubber Manufactures Research Association (IRMRA), Office: Thane Maharashtra, under Department for Promotion of Industry & Internal Trade, Ministry of Commerce and Industry.
HOD grievance email: [email protected]; Buyer email: [email protected]. No buyer phone number is stated.
Ravindra Ramkrushna Badki, Plot No. 254/1B, Road No. 16V, Wagle Industrial Estate, Thane (West), Maharashtra 400604. This is the consignee/reporting address; the tender does not require physical bid submissions there.