Official UK procurement notice
CS-People: Group Medical Insurance & Accidental Insurance for Country Based Staff (and their dependents) of British High Commission in India
Authority: Foreign, Commonwealth and Development Office (Central government)
What is being bought
Published requirement descriptionForeign, Commonwealth and Development Office (FCDO) represented by the British High Commission in New Delhi (India) intends to competitively identify (using PA 2023 - Competative Flexiable Procedure) competent Insurance Broker and an Insurance Agency for providing following two General Insurance Products:
Product 1: Group Medical Insurance (to cover OPD & IPD) for Staff and their Dependents.
Product 2: Group Accidental Insurance cover for Staff (only).
Our preference will be to identify and Insurance Agency via a Broker. The Broker will be engaged for a period of 3 years and the Insurance provider for 1 year initially, with the policy period commencing on 1st April 2027. Towards the end of First year, the Broker will help British High Commission in selecting the insurance provider for the following 2 years (1 year at a time).
- Two-stage procedure: 3 to 7 candidates will be invited to tender.
- How the procedure runs: This procurement for Medical Insurance Brokerage and Insurance Services will be conducted through a Three-Stage process. Stage-1: Brokers in Indian markets are invited to participate in a selection process, they will be evaluated against mandatory qualification requirements and technical criteria. Stage 2: Shortlisted brokers will be requried to submit a Techno-Commercial proposals from up to two insurance providers in Indian Market. These proposals will be evaluated on a 60% Technical and 40% Commercial award criteria. Award Criteria will consider factors such as Coverage, Benefits, Claims Management process, Network Hospitals, and overall Value for Money. FCDO may subsequently invite technically compliant providers to submit a Best and Final Offer (BAFO) to further optimise value and commercial terms. The successful Broker will be appointed for a three-year period commencing on 1 April 2027 and will enter into a Service Level Agreement (SLA) defining performance and service requirements. The Selected Insurance provider will initially be awarded a One-year contract from 1 April 2027. For Years 2 and 3, the appointed broker will conduct annual market assessments and present proposals from the Two to Three most competitive insurance providers, ensuring continued value for money, market competitiveness, and alignment with FCDO's requirements.
CPV: Health insurance services
The lotProcurement structure
single lot · value publishedLot #1RenewalPublished value£2,200,000
- Economic & financial standing
Broker and Insurance Agencies who are registered in India and have the valid IRDAI licence to operate in India can apply for this tender.
- Technical & professional ability
Insurance brokers interested to participate in this tender excercise are required to complete and submit an Expression of Interest (EOI) Form for Group Medical Insurance Broker Selection provided in the 'Associated tender documents' section of this notice.
- Condition of participationshortlisting
In Stage 1, brokers will be evaluated against mandatory qualification requirements and technical criteria, with a 100% technical weighting. Only brokers achieving at least 60% and meeting all eligibility requirements will be shortlisted.
What it takes to wini
How this buyer will score bids.
The evaluation criteria and weights exactly as published on the notice, grouped by family (price, quality, social value and so on).
Evaluation split and conditions of participation as published; the tender pack may add morei
How this buyer will score bids.
The evaluation criteria and weights exactly as published on the notice, grouped by family (price, quality, social value and so on).
Published sub-criteria (9)
- Coverage Compliance (Insurance Agency): 10%
- Policy Coverage and Exclusions (Insurance Agency): 12%
- Claims Management (Insurance Agency): 10%
- Network and Accessibility (Insurance Agency): 5%
- Service Delivery and Account Management (Insurance Agency): 7%
- Performance Standards and Reporting (Insurance Agency): 6%
- Experience and Capability (Insurance Agency): 5%
- Data Security and Regulatory Compliance: 5%
- Commercials: 40%
Published award criteria (9)
- Coverage Compliance (Insurance Agency): Please confirm your ability to provide all coverages specified in the Statement of Service Requirement (SOSR), including any conditions, treatments, or benefits that may ordinarily fall under the IRDAI standard exclusion list. Please clearly identify any exceptions.
- Policy Coverage and Exclusions (Insurance Agency): Provide details of all policy exclusions, waiting periods, sub-limits, co-payments, and restrictions. Please explain how this compare with the requirements outlined in the SOSR.
- Claims Management (Insurance Agency): Describe your end-to-end claims management process, including pre-authorisation, cashless claims, reimbursement claims, escalation routes, and average claim settlement timelines for both IPD and OPD What is your process for identifying and managing fraudulent claims?
- Network and Accessibility (Insurance Agency): Provide details of your hospital network across India, including the number of empanelled hospitals in major India Network locations and access to cashless treatment facilities.
- Service Delivery and Account Management (Insurance Agency): Describe the account management model that would support BHC India Network, including dedicated relationship managers, escalation mechanisms, and service standards.
- Performance Standards and Reporting (Insurance Agency): What service level commitments (SLAs) can you provide for policy issuance, endorsements, claims settlement, customer queries, and grievance resolution? Please provide sample management reports.
- Experience and Capability (Insurance Agency): Please provide details of your experience in managing group health insurance schemes for at least 3 organisations of a similar size and complexity, particularly multinational organisations, diplomatic missions, or large corporate clients.
- Data Security and Regulatory Compliance: Describe your data protection, cybersecurity, and regulatory compliance arrangements, including adherence to IRDAI regulations, data privacy requirements, and any relevant certifications or audits.
- Commercials: A full assessment of the total price breakdown for each of the item requested. Competitiveness of the Commercial offer in relation to the Market. This MUST be in the format of the spreadsheet at Schedule of Prices & Rates. Failure to provide a pricing submission in the format requested may invalidate your tender proposal. This MUST be in the format of the spreadsheet at Schedule of Prices & Rates. Failure to provide a pricing submission in the format requested may invalidate your tender proposal.
- Economic & financial standing
Broker and Insurance Agencies who are registered in India and have the valid IRDAI licence to operate in India can apply for this tender.
- Technical & professional ability
Insurance brokers interested to participate in this tender excercise are required to complete and submit an Expression of Interest (EOI) Form for Group Medical Insurance Broker Selection provided in the 'Associated tender documents' section of this notice.
- Condition of participationshortlisting
In Stage 1, brokers will be evaluated against mandatory qualification requirements and technical criteria, with a 100% technical weighting. Only brokers achieving at least 60% and meeting all eligibility requirements will be shortlisted.
- Price carries 40 of 100 points: a 10% discount moves about 4 points. The method statement decides this lot, not the discount.
- Turnover usually expected at this size: about £4,387,978 (twice the annual value).
Price arithmetic assumes straight proportional scoring; the tender pack may use another formula. Turnover is an indicative market norm (≈2× annual value), not a published condition.
Competition analysis · published record, not a forecast of who will bid
How Foreign, Commonwealth and Development Office buys Insurance services (CPV 6651): the notice lists a non-UK location
Foreign, Commonwealth and Development Office’s published record is shown without a UK market comparison because the notice lists a non-UK delivery location. Check the notice description and tender documents for the actual site. Frameworks and DPS are kept out: they attract a different number of bids. Whole-market view: Insurance services (CPV 6651) →
How the contest usually goes
Winner shares use published awards; bid and price charts use contested lots.
i
How often small and medium firms win.
Share of awards where the winner’s size is known.
The counts under this question show how many awards have a known supplier size.
Small firms have won here. Neither number says whether you qualify; it describes who has been winning.
i
How often local firms win similar work.
Winners with a registered address in the delivery region, out of awards with a known address.
A local branch does not count if the registered address is elsewhere.
The notice lists delivery in India, so this procedure has no confirmed single UK region; the buyer’s figure reads its other awards, each against its own delivery region.
i
How long buyers here take to decide after bids close.
Middle value in days from the deadline to the first award notice, on competitions that published both dates.
Only decided tenders count, so slow ones still waiting are not in.
Half of these awards were announced within 62 days of the bid deadline.
i
How often work is awarded with no recorded rival.
Direct awards and tenders where every published lot count shows one bid.
The buyer’s share is a minimum: some awards have no bid count.
Thin markets produce this too; it is not proof of a tailored specification.
Missing bid counts may hide more single-bid awards. This share is a minimum.
How many bids did past lots attract?
i
How many bids past lots received.
Each colour is a bid-count range. Only competed lots with a published count are included.
Past bids do not predict this tender.
1 bid28%
2–341%
4–628%
7+3%
How did awards compare with estimates?
i
Where winning prices landed against estimates.
Each colour shows awards below, close to or above the published estimate, one lot at a time.
Past prices are a guide, not a bid price.
Below estimate0%
Within ±2%60%
Above estimate40%
Assess each lot i
What past awards tell you about each lot.
See the forecast, this buyer’s earlier suppliers and firms with relevant wins.
No supplier is confirmed as a bidder.
i
What past awards tell you about each lot.
See the forecast, this buyer’s earlier suppliers and firms with relevant wins.
No supplier is confirmed as a bidder.
Open a lot for its forecast, this buyer’s previous supplier and possible competitors, from published award history, not a bid list
Lot #1Published estimate£2.2m
This lot lists only non-UK delivery addresses. Supplier examples below come from UK award history and are not checked for this delivery area.
i
How many bids this lot may attract.
The forecast uses similar past competitions. The bar shows either that forecast or past bid counts; the line below says which.
This lot has only non-UK delivery countries in its published addresses, so the UK model forecast is withheld.
A forecast, not a list of bidders.
i
Where the award price may land.
The forecast uses similar awards and the buyer’s estimate. The band covers the middle half of likely prices.
No comparable awards for this lot yet.
A statistical guide from past awards, not a price to bid.
Who has supplied this buyer on similar work? i
Who has done similar work for this buyer.
Past contracts are matched by buyer, title and type of work.
A past supplier may not bid again.
i
Who has done similar work for this buyer.
Past contracts are matched by buyer, title and type of work.
A past supplier may not bid again.
Who could compete for this lot? i
Who could compete for this lot?
Firms with relevant past wins. On a framework, we show firms on that agreement.
None is confirmed as a bidder.
i
Who could compete for this lot?
Firms with relevant past wins. On a framework, we show firms on that agreement.
None is confirmed as a bidder.
| Supplier | Won in this category | Live contracts | Award vs estimate |
|---|---|---|---|
| £2.3m1 awards in 36m · last 33 months ago | None on file | no comparable pairs | |
| £76m118 awards in 36m · last this month | 54 live · £96m iPublic contracts this supplier still holds. Its awards whose published end date is still in the future, with their values. Many contracts publish no end date, so this is a floor, not the whole book. Unexpired says nothing about spare capacity. | 3% below n=34 | |
Aon LimitedLarge | £63m22 awards in 36m · last 3 months ago | 8 live · £6.5m iPublic contracts this supplier still holds. Its awards whose published end date is still in the future, with their values. Many contracts publish no end date, so this is a floor, not the whole book. Unexpired says nothing about spare capacity. | at estimate n=7 |
MercerLarge | £6.1m22 awards in 36m · last 1 months ago | 7 live · £1.6m iPublic contracts this supplier still holds. Its awards whose published end date is still in the future, with their values. Many contracts publish no end date, so this is a floor, not the whole book. Unexpired says nothing about spare capacity. | at estimate n=3 |
| £54k1 awards in 36m · last 4 months ago | 1 live · £54k iPublic contracts this supplier still holds. Its awards whose published end date is still in the future, with their values. Many contracts publish no end date, so this is a floor, not the whole book. Unexpired says nothing about spare capacity. | no comparable pairs |
About this data
- Source. Official UK public procurement notices (Find a Tender), reused under the Open Government Licence v3.0. New notices arrive through the day; the figures are rebuilt nightly.
- Two views, kept apart. The authority’s own track record and the wider market for the same kind of work sit side by side and are never mixed. Where the local picture is too thin, a figure widens to a broader market and says which one it used.
- Forecasts are labelled. The price forecast and its range, possible competitors and the earlier-work matches are our estimates from past awards: not published facts, not win chances and not price advice. Official notices do not say who is bidding.
- Every figure shows what it rests on. Not every notice publishes a bid count, a value or a delivery region, so each figure carries the number of records behind it, and one built on few records is marked as such. The on a figure explains it; the counting rules are in the methodology. Spotted something wrong? Tell us.
What this replaces i
Who has done similar work for this buyer.
Past contracts are matched by buyer, title and type of work.
78% title match.
A past supplier may not bid again.
i
Who has done similar work for this buyer.
Past contracts are matched by buyer, title and type of work.
78% title match.
A past supplier may not bid again.
The prior contract this notice most likely re-tenders · matched by title and category (78% title match), the holder is not guaranteed to re-bid
Group Medical Insurance and Accidental Insurance for Country Based Staff of British High Commission and Deputy High Commissions in India — held by Aditya Birla Health Insurance Co. Ltd.; no contract end date published.
Procedure terms & legal framework
From the official record- Procedure method
- Competitive flexible procedure
- Legal basis
- UKPGA · 2023/54 Procurement Act 2023
- Procurement category
- Services
- Notice status
- Requests to participate open
- Procurement threshold
- Above threshold (FTS publication)
- Regulatory regime
- Standard
- Commercial structure
- Stand-alone contract (no framework)
- Competition type
- Competitive procedure
- GPA / WTO covered
- Yes (GPA)
- Recurring procurement
- Unspecified in notice
- First published
- 9 Jun 2026, 12:41 BST
- Last source update
- 15 Sept 2026, 06:33 BST
- Award evaluation window
- Submission end – 4 Dec 2026
- Authority reference
CPH13988-2027- FTS notice number
2026/S 000-087087- Latest notice
- Tender notice (UK4)
- Classification (CPV)
- Delivery area in notice
- Official registry OCID
ocds-h6vhtk-06b0d3Find a Tender- Contract terms summary
As per terms agree with Selected Insurance Agency.
- How it runs
This procurement for Medical Insurance Brokerage and Insurance Services will be conducted through a Three-Stage process.
Stage-1: Brokers in Indian markets are invited to participate in a selection process, they will be evaluated against mandatory qualification requirements and technical criteria.
Stage 2: Shortlisted brokers will be requried to submit a Techno-Commercial proposals from up to two insurance providers in Indian Market. These proposals will be evaluated on a 60% Technical and 40% Commercial award criteria. Award Criteria will consider factors such as Coverage, Benefits, Claims Management process, Network Hospitals, and overall Value for Money. FCDO may subsequently invite technically compliant providers to submit a Best and Final Offer (BAFO) to further optimise value and commercial terms.
The successful Broker will be appointed for a three-year period commencing on 1 April 2027 and will enter into a Service Level Agreement (SLA) defining performance and service requirements. The Selected Insurance provider will initially be awarded a One-year contract from 1 April 2027. For Years 2 and 3, the appointed broker will conduct annual market assessments and present proposals from the Two to Three most competitive insurance providers, ensuring continued value for money, market competitiveness, and alignment with FCDO's requirements.
How to participate & submission route
Official notice Submit via Jaggaer- Requests to participate (first stage)
- 30 Oct 2026, 17:00 GMT
- Tender submission deadline
- 30 Oct 2026, 17:00 GMT
- Clarification deadline
- 30 Sept 2026, 17:00 BST
- Submission channel
- Official e-sourcing portal
- Electronic submission
- Allowed
- Accepted languages
- en
- Shortlist
- 3–7 candidates invited to tender
Shortlisted Suppliers going through the second selection (Stage 2) should access the FCDO eSourcing portal (Jaggaer) to view and participate in the opportunity referenced in this notice. Suppliers who are not yet registered should complete the online registration process at fcdo.bravosolution.co.uk ↗.
All communications and clarification questions must be submitted through the messaging facility within the portal. Responses may be shared with all interested suppliers to ensure a fair and transparent process.
Timeline
9 Jun 2026 → 1 Apr 2027 · 8 dates- Planning notice published133 days ago9 Jun 2026, 12:41 BST
- Market engagement109 days ago2 Jul 2026, 23:59 BST
Early Market engagement is being planned on 2nd of July 2026 from 12 PM to 01 PM IST
Suitable and interested suppliers are invited to participate in the virtual market engagement session. The prime objective of organising this session is to share our tentative requirements and gain understanding of what can be provided or achieved by the players in the local market and incorporate any suggestions in our requirement.
FCDO team will share the insights of the required policy's features along with the tendering process, evaluation process and tender pack.
Interested suppliers should register their interest in participating this event by filling this form:
forms.office.com/e/BBWgeQa6dQ ↗
A joining link to this virtual market engagement will be shared with suppliers who have completed this form, please ensure your details are shared with us by date 29th ofJune 2026 .
- Next notice expected60 days ago20 Aug 2026, 23:59 BST
- Tender notice published35 days ago15 Sept 2026, 06:33 BST
- Clarification questions by20 days ago30 Sept 2026, 17:00 BST
- Today20 Oct 2026
- Submission deadlinein 10 days30 Oct 2026, 17:00 GMT
- Award decision expected byin 46 days4 Dec 2026, 23:59 GMT
- Contract startsin 163 days1 Apr 2027, 00:00 BST
Notice history
5 events · 2 releases on Find a Tender · since 9 Jun 2026- Preliminary market engagement notice published9 Jun 2026, 12:41 BSTUK2
- Tender notice published15 Sept 2026, 06:33 BSTUK4
- Published value updated to £2,200,00015 Sept 2026, 06:33 BSTwas £3,000,000
- Status changed to active15 Sept 2026, 06:33 BST
- Procurement method changed15 Sept 2026, 06:33 BST
Commercial outcome & contract awards
Nothing awarded yet- Awards (0)
- No award published
- Contracts (0)
- No contract published
- Bid statistics
- No aggregate bid statistics published
Contracting authority & participating public bodies
Official documents & specifications (4)
Official links; attachments are not copiedTender pack and attachments
- Bidding documents and specificationsAccess: Insurance brokers interested to participate in this tender excercise are required to complete and submit an Expression of Interest (EOI) Form for Group Medical Insurance Broker Selection provided in the 'Associated tender documents' section of this notice. Brokers that fail to submit the completed Expression of Interest (EOI) form, or do not provide the required information in the subsequent Invitation to Tender, within the stipulated timeframe, may be deemed non-compliant and consequently disqualified from the tender process.
- Bidding documents and specifications EOI Form Stage 1 for Insurance Brokers
Notices published for this procedure
- Tender notice Tender notice on Find a Tender
- Preliminary market engagement notice Preliminary market engagement notice on Find a Tender