Medical and Health Insurance for Pakistan Digital Authority Employees

This tender invites qualified insurance providers to offer comprehensive medical and health insurance coverage for employees of the Pakistan Digital Authority (PDA) based in Islamabad. The procurement focuses on securing health insurance services that include OPD, IPD, maternity, and emergency coverage under clearly defined limits and terms. The scope requires a robust insurance plan covering hospitalization, outpatient treatments, maternity benefits, and specialized investigations. The insurance must support a network of over 200 credit panel hospitals nationwide, with at least 20 hospitals offering OPD credit facilities in Islamabad and Rawalpindi. The contract demands adherence to PDA's Terms of Reference, including timely claim settlements, online portals for claim tracking, and a GEL amount of PKR 3,250,000 for major cases. The insurance company must have fully functional offices in Islamabad/Rawalpindi and provide digital insurance cards and mobile app access. Bidders must be registered with the Federal Board of Revenue (FBR) and appear on the Active Taxpayer List (ATL). They should hold a minimum AA+ rating from PACRA/JCR-VIS and have at least five years of verifiable experience in similar national-level insurance services. Compliance with PEC and FBR requirements for the 2025-26 financial year is mandatory, including submission of a performance guarantee and adherence to anti-corruption and ethical standards. The submission deadline is set for 12:00 PM on 22nd April 2026, with technical and financial proposals to be uploaded on the e-PADS portal. The technical proposals will be opened first, followed by financial proposals of technically responsive bidders. Hard copies of documents must be submitted prior to contract award. The opening of proposals will occur at 12:30 PM on the same day at the PDA office in Islamabad. Pro-Tip: Ensure your bid includes all mandatory documents such as the bid declaration form, PACRA/JCR-VIS rating certificates, and a detailed list of panel hospitals with OPD credit facilities. Missing or incomplete documentation is a common cause for disqualification. Also, verify your ATL status before submission to avoid rejection.