This tender invites bids from qualified health insurance providers to offer comprehensive medical coverage for employees and their dependents of the Benazir Bhutto Shaheed Human Resource Research & Development Board in Karachi. The contract covers inpatient hospitalization, emergency medical services, maternity benefits, and outpatient services for approximately 175 employees and 900 dependents. The insurance must include a wide network of panel hospitals, cashless and reimbursement facilities, and cover pre-existing conditions from day one. The scope includes detailed medical benefits such as room rent, ICU charges, surgeon and anesthetist fees, operation theatre costs, medicines, diagnostic tests, cancer treatment, maternity care, and ambulance services. Coverage limits are set at PKR 750,000 per family annually with sub-limits for maternity and circumcision. The service provider must ensure timely issuance of health cards and claim reimbursements within ten business days. The contract duration is 12 months with possible extension. Bidders must comply with PEC and FBR registration requirements, hold a minimum AA+ rating by JCR VIS/PACRA, and demonstrate at least ten years of relevant experience. The evaluation criteria emphasize financial strength, client base, hospital network, and technical capacity including medical staff availability. The contract requires a 5% performance security and adherence to Sindh Procurement Rules 2010. Submission deadline is set for 25th March 2026 at 12:00 PM with bid opening at 12:30 PM at the Board's office located on the 5th Floor, State Life Building #3, Dr. Ziauddin Ahmed Road, Karachi. Bids must be submitted electronically via the Sindh EPADS portal. The physical address for correspondence is the Deputy Director (Procurement), BBSHRRDB, Karachi. Pro-Tip: Ensure your bid includes all required documents such as audited financial statements, valid tax registrations, and proof of hospital network to avoid disqualification. Also, carefully follow the EPADS submission guidelines to prevent technical rejections.