Loading…
Medical Health And Family Welfare Department Uttarakhand · Dehradun, Uttarakhand9514278
Written by TenderKart AI from the documents published when it was generated. Check the tender for later corrigenda before you bid.
30 Jun 2026
24 Sept 2026
₹14 Cr
All important dates as they stand after corrigenda: publication, pre-bid/clarification deadline, bid submission deadline, bid opening, and bid validity period.
GeM bid is dated 30-06-2026; RFP Bid Data Sheet states tender publishing on 01/07/2026, 10:00 AM (RFP notice also dated 30/06/2026).
Last date for queries 07/07/2026, 05:00 PM; Pre-bid meeting 08/07/2026, 11:00 AM at SHA Dehradun (virtual link to be informed on SHA website). No later change to these milestones is present in the attached documents.
Finally 24-09-2026 17:00 after two GeM Date corrigenda; original documents had Bid End 25-07-2026 17:00.
Finally 24-09-2026 17:30 after the same two Date corrigenda; original GeM opening was 25-07-2026 17:30. Technical and financial opening/RA dates are ‘to be informed separately’ for qualified bidders.
180 days from bid end/last date of submission (extendable by mutual consent).
Accept NOA preferably within 3 days of issue; sign Insurance Contract preferably within 15 days of NOA acceptance; SPO/district set-up KPIs run from contract signing.
Tender value or estimated cost, EMD/bid security (amount, acceptable forms, validity), tender document fees, performance security, and key payment terms.
No fixed estimated contract value/premium outlay is stated; bidders quote premium per family for ~22.73 lakh beneficiary family units. GeM refers to an ‘Estimated Bid Value’ only as EMD/eligibility guidance without a readable amount in the bid extract.
EMD INR 14 Crore (GeM also shows 140000000), refundable, in BG/FDR from any nationalized bank in favour of CEO, State Health Authority, Dehradun; GeM also allows surety bond and names Beneficiary CEO SHA Uttarakhand; Advisory Bank HDFC Bank.
Non-refundable bid processing fee INR 10,000 + 18% GST = INR 11,800 by DD from any nationalized bank in favour of CEO, State Health Authority, Dehradun.
Selected bidder must submit Performance Bank Guarantee of 5% of annual contract value from any nationalized bank, valid 60 days beyond end of contract period and renewed every year; GeM ePBG 5% for 38 months; Advisory Bank HDFC; beneficiary CEO SHA.
Quote flat premium per eligible family per annum (excl. GST) covering base SI Rs.5 lakh/family/year (Rs.1.5 lakh per-claim limit) plus Corporate Floater Rs.82 crore aggregate (Rs.3.5 lakh per-claim excess layer); combined liability capped at Rs.5 lakh/family/year.
Annual premium paid in five instalments: 25% + 25% + 25% + 15% + 10% (last 10% after policy year subject to satisfactory KPI/DCA); paid quarterly based on eligible/valid families as of month-end.
At full 12-month policy end: refund 100% surplus (premium over claims) after 15% of annual premium admin retention (excl. GST) within 30 days; claims ≤120% fully on insurer; 120–150% shared 50:50 SHA:insurer above 120%; >150% fully on insurer.
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.
Must be a single Indian private/public insurance company under Companies Act 1956/2013, IRDAI-registered for last three consecutive FYs with valid licence on tender issue date, and registered for health insurance business for last three FYs preceding Bid Due Date (health excludes PA/travel).
Each of last 3 FYs preceding Bid Due Date: group health cover (excl. PA/travel) of at least 50,000 families; Gross Direct Premium Income from health insurance (excl. PA/travel) of at least Rs.500 crore; and Positive Net Worth (CA certificate with UDIN).
Ineligible if blacklisted/debarred by GoI/any State/any PSU as on tender publication; or ongoing Insurance Law non-compliance as on bid submission; or any govt-sponsored health insurance contract terminated for bidder breach in any of preceding 3 FYs before bid submission date.
Single-stage two-envelope with GeM Reverse Auction; L1 after RA wins (public or private). Tie on same lowest premium: higher last-FY turnover, then higher beneficiaries, or SHA may re-invite financial bids.
What is being procured: the work, supplies or services, deliverables and quantities, locations, phases, completion or delivery timelines, applicable standards, and notable exclusions.
Select one insurer to implement AB-PM-JAY / Atal Ayushman Uttarakhand Yojana (AAUY) cashless secondary/tertiary hospitalisation and defined day-care for ~22.73 lakh SECC 2011 + eligible NFSA/state AAUY beneficiary family units across all Uttarakhand districts.
Base SI Rs.5 lakh/family/year with Rs.1.5 lakh per-claim limit, plus Corporate Floater Rs.82 crore aggregate with Rs.3.5 lakh per-claim for excess over Rs.1.5 lakh; combined liability never exceeds Rs.5 lakh/family/year.
State and district offices and staff; BIS/e-card verification; pre-authorisation; portability; claims processing/payment; audits; anti-fraud; IEC; monitoring support; and other operational work per DCA/SOR.
Contract tenure 3 years (GeM: 3 Year(s) 2 Day(s)), extendable up to 2 further years one year at a time; each policy cover year is 12 months; 3-year term renewed every year based on KPI performance.
OPD/non-hospitalisation conditions generally excluded; diagnostic-only hospital stays and vitamins/tonics excluded except as part of treatment; most dental excluded; HBP packages and quality norms in Schedule 3; NHA/SHA guidelines apply as amended.
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.
Bids must be uploaded on GeM (https://gem.gov.in); two-packet technical/qualification + financial; no physical proposal submission. Clause 8.4.1 also names www.uktenders.gov.in—treat GeM as the live portal for this GeM bid, and seek clarification on the uktenders reference.
Every page typed/indelible ink, physically signed and initialled by authorised signatory, serially numbered; English language; non-English literature needs notarised English translation.
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.
Two Date-type corrigenda extended the GeM bid schedule from original Bid End/Opening 25-07-2026 17:00/17:30 to final Bid End/Opening 24-09-2026 17:00/17:30; no corrigendum PDFs are included in this document set.
Final schedule: Bid End 24-09-2026 17:00; Bid Opening 24-09-2026 17:30; validity 180 days from final end date; pre-bid/query dates remain 07–08 Jul 2026 as printed; commercial/eligibility/scope text of RFP+ATC+DCA+SOR otherwise unchanged by the date-only corrigenda.
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 Data Sheet and RFP Notice mandate https://gem.gov.in only; Clause 8.4.1 and several amendment/clarification clauses still say www.uktenders.gov.in. For this GeM bid, gem.gov.in is the operative submission portal; uktenders references look like unedited template residue—confirm offline Fee/EMD delivery path with SHA.
RFP requires non-refundable INR 11,800 bid processing DD, while GeM bid disclaimer says asking for tender/bid participation fee can make the bid null and void. Follow buyer ATC/RFP unless GeM/buyer withdraws the fee—seek written confirmation.
GeM requires minimum average annual turnover Rs.50,000 lakh (Rs.5,000 crore) over 3 years; RFP Qualification Criteria require health GDPI of Rs.500 crore each of last 3 FYs (plus positive net worth). Both appear as pass/fail screens—bidders must satisfy the stricter applicable combination as evaluated by buyer.
RFP mandates Positive Net Worth for last 3 FYs for all bidders; GeM Scope attachment note cites DFS advisory not to include Net-Worth as a criterion for Public Sector General Insurance Companies. PSGICs should seek written clarification/relaxation before relying on the advisory alone.
GeM bid and RFP notice dated 30-06-2026; Bid Data Sheet lists publishing 01/07/2026 10:00 AM. Minor schedule inconsistency—use GeM/portal clock for actual availability.
GeM core spec says Buffer Sum Insured at buyer discretion = No, yet RFP/ATC builds a mandatory Corporate Floater layer of Rs.82 crore. The RFP/ATC insurance structure governs pricing and liability; GeM dropdown appears inconsistent.
GeM Payment Timelines state seller payment within 45 days of SDAC; RFP/SOR prescribe five premium instalments (25/25/25/15/10) on a quarterly family-count basis. Scheme-specific premium schedule in RFP/Schedule 8 is the insurance payment mechanism.
RFP Appendix-VI table states SPO/district office set-up in 15 days after signing; SOR Schedule 12 (binding schedules of requirements) allows up to 30 days. Prefer Schedule 12 / contract schedules as the operational KPI set, but clarify with SHA which table is enforced.
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.
Ask SHA to confirm that only GeM is valid for bid upload, and to specify exact offline delivery address, deadline and instruments for the Rs.14 Cr EMD and Rs.11,800 processing fee (Clause 8.4.1 still cites uktenders).
Request written confirmation whether GeM’s 50000 Lakh average turnover is independently mandatory in addition to RFP health GDPI Rs.500 Cr each year, and how PSGICs are treated under the DFS net-worth advisory versus RFP positive-net-worth rule.
Seek clarity on how premium is recalculated if actual active families differ from 22.73 lakh; confirm no extra premium for additions within the 22.73 lakh cap; and pricing mechanics if Corporate Floater is increased mid-term or SI changes by govt order.
Confirm data source of record for claims ratio, treatment of IBNR, timing of surplus refund vs 10% final instalment release, and whether KPI penalties are recoverable from premium/PBG independently of the 120–150% corridor.
Ask SHA to reconcile RFP Appendix-VI (15-day set-up; claim scrutiny wording) with SOR Schedule 12 (30-day set-up; e-card/pre-auth compliance penalties) and DCA Clause 14.1 TATs, and confirm auto-approval and interest regimes actually enforced.
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.
Insurer bears 100% of claims up to 120% of premium and 50% of the slice between 120–150%; beyond 150% of premium the insurer bears the entire excess—hard stop on SHA risk sharing.
Additions within 22.73 lakh may need full cover without extra premium; package additions/rate hikes can create cash-flow timing risk even where SHA later reimburses certain increments.
SPO/district set-up delays attract weekly penalties; e-card/pre-auth compliance bands can levy 5–20% of delayed pre-auth amounts plus card-level fines; claim payment delays attract 1% interest; GRC non-compliance and missed audits also penalised; last 10% premium held to KPI satisfaction.
EMD of Rs.14 crore plus performance security of 5% of annual contract value (GeM ePBG 38 months, renewed yearly) creates significant balance-sheet lock for a multi-year scheme.
On insurer default/FM termination, insurer must refund unexpired premium formula TC = P×N×UT/365, keep paying blocked/pre-auth claims after Termination Date (discharge within 45 days), and support policy migration from 120 days prior to expiry/termination.
Only 25% premium at start then staged releases with 10% year-end holdback, while claims/TAT interest and provider payments are continuous—working-capital and float risk, partially mitigated by State 1% p.m. interest for delayed escrow release.
The inviting authority and relevant contacts: office, person, designation, address, phone and email — and which address receives physical submissions, if any.
CEO, State Health Authority (SHA), Govt of Uttarakhand is the bid inviting authority for AB-PM-JAY/AAUY insurance selection.
Chief Executive Officer, SHA; Tel 01352609522; Mobile 9917155001; Email [email protected] and [email protected].
State Health Authority, Weblan Technologies Private Limited, Plot No-45B (RFP notice also states Plot No–A1), IT Park, Sahastradhara Road, Dehradun, Uttarakhand-248013 — pre-bid venue and EMD/fee beneficiary address.