Group Health Insurance Coverage of NDRMF Employees for 2026-28

This tender invites bids for Group Health Insurance Coverage of employees and their dependents of the National Disaster Risk Management Fund (NDRMF) based in Islamabad. The procurement covers two years, 2026-27 and 2027-28, focusing on comprehensive medical and health insurance services for a total of 284 insured persons including employees and dependents. The scope includes inpatient hospitalization, outpatient diagnostic tests, emergency medical services, maternity care, dental treatment, and coverage for pre-existing conditions. The insurer must have a panel of major hospitals nationwide and provide 24/7 helpline support, online claim tracking, and a dedicated claims processing department. The insurance covers major medical care including dread diseases, organ transplants, Covid-19, and specialized investigations. The contract is for two years with fixed unit premium rates and includes provisions for additions or deletions of insured persons. Bidders must be registered insurance companies with SECP, have valid FBR registration and ATL status, a minimum five years' relevant experience, and a credit rating of AA or above. Compliance with PEC and FBR requirements for FY 2025-26 is essential. The bid security is a Bid Securing Declaration, and the contract does not require a performance guarantee. The procurement follows the Least Cost Based Selection (LCBS) method. The submission deadline is **April 23, 2026, 10:00 AM**, with bid opening at 10:30 AM on the same day via the EPADS v2.0 online portal. Hard copies of bid security must be submitted physically to the NDRMF office at 5th Floor, EOBI House, G-10/4, Islamabad. Manual bid submissions are not accepted. Pro-Tip: Ensure your bid includes all required documentary evidence such as SECP registration, ATL status, credit rating certificates, and experience proofs. Missing documents or failure to submit the original bid security before the deadline will lead to disqualification. Also, carefully review the financial bid format and provide a detailed rate sheet for premium calculations including provisions for future staff changes.