Health Insurance for Sindh Enterprise Development Fund Employees and Dependents

This tender invites reputable insurance companies registered with SECP to provide comprehensive health insurance coverage for employees of Sindh Enterprise Development Fund (SEDF) and their eligible dependents in Karachi. The procurement falls under Medical & Surgical Supplies and is managed by the Sindh Enterprise Development Fund, a government-established entity focused on MSME development. The scope includes inpatient hospitalization, maternity, outpatient, emergency care, and coverage of pre-existing conditions. The insurance must cover employees, spouses, children up to 18 years or until marriage for daughters, and parents. The policy will include benefits such as daily room charges, surgical fees, diagnostic tests, maternity care, and outpatient consultations. The insurer must provide health cards, settle claims within 15 days, and maintain a panel of hospitals including diagnostic labs and dental clinics. The contract is for one year with possible extension based on performance. Bidders must be registered with SECP, FBR, and Sindh Revenue Board, and have at least 10 years of experience in health insurance. They must meet technical evaluation criteria including credit rating, portfolio size, and government experience. Compliance with PEC categories is not applicable here, but bidders should ensure valid tax registrations and adherence to SPPRA 2023 rules. The contract requires a 2% bid security and a tender fee of PKR 10,000. Submission deadline is **23-04-2026 11:00 AM**, with bid opening at **11:30 AM** the same day at SEDF office, 1st Floor, B Block, FTC Building, Shahrah-e-Faisal, Karachi. Bids must be submitted via SPPRA E-PADS portal and a hard copy with required pay orders. All communications should be directed to the Manager Procurement at SEDF. Pro-Tip: Ensure your bid includes the mandatory 2% bid security pay order and tender fee pay order in separate sealed envelopes. Missing these will lead to immediate disqualification. Also, carefully review the technical evaluation criteria to maximize your scoring and avoid rejection at the financial proposal stage.