Summary
Machine-generated summarySAEM PFI is procuring the set-up of insurance services covering two areas: group top-up health insurance for its private-sector employees, and death and disability insurance (prévoyance) for its executive (cadre) employees. The contract covers the implementation of these collective schemes for staff employed under private law by the buyer, SAEM PFI, based in France.
Description
Bid or no-bid?
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Can I bid?
- Negotiated procedure: the buyer negotiates the terms with the suppliers it admits. Above the EU threshold: open to companies from any EU country.
- The notice is written in French.
- Certificates from another EU country? Check the equivalents on eCertis
Official source
Source: TED - Tenders Electronic Daily (Publications Office of the EU)
Always verify details on the official notice.
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Last verified against TED - Tenders Electronic Daily (Publications Office of the EU) 1 day ago
Expected award price
- likely award for this notice, from its published estimate of €515,000
- €128,750 to €515,000
Comparable awards in this country and sector came in at a median of 77% of their published estimate, half of them between 25% and 100%, based on 95 awards of the last 3 years.
Each award is compared with the estimate of the same lots, framework agreements excluded. A published estimate may include options and renewals, so an award under it is not always a discount.
What this market pays
The buyer has too few awards of its own in this sector, so this is the range of the last 1,798 awards for Financial & insurance services in France.
- This notice
- €515,000
- Median award
- €202,512
- Middle half of past awards
- €52,830 to €672,432
The estimate sits inside the usual range.
Award values as published by the official sources. Use them as a guide, not a rule: scope, lots and duration differ between contracts.
The buyer
Full buyer profilePompes Funèbres Intercommunales de la Région Grenobloise
This buyer has no award history in this sector yet. Usual winners, Financial & insurance services - France
| Company | Wins | Total awarded | Last win |
|---|---|---|---|
| SMACL ASSURANCES | 88 | €11.6M | Sep 2026 |
| SOCIETE MUTUELLE D'ASSURANCE DU BATIMENT ET DES TRAVAUX PUBLICS | 82 | €3.8M | Sep 2026 |
| CAISSE REGIONALE D'ASSURANCES MUTUELLES AGRICOLES BRETAGNE PAYS DE LA LOIRE | 48 | €1.5M | Dec 2025 |
| SMABTP | 38 | €17.6M | Oct 2026 |
| UP COOP | 33 | €9.2M | Sep 2026 |
Based on 2032 awards with a linked company profile over the last 2 years.
Market context
Larger than 53% of the open notices in Financial & insurance services across Europe.
- open now in Financial & insurance services
- 3,498
- median open notice
- €443,022
Who wins in this market
Many suppliersFrance · Financial & insurance services
- different companies won awards here
- 1,217
- of the awards went to the three most frequent winners
- 11%
- winners of the last 12 months were new here
- 984 of 1,055
- buyers awarded contracts here
- 1,565
Based on 2,079 awards with a named winner over the last 3 years. Counted by award, not by value, because lot and framework amounts are not comparable. Concentrated means the three most frequent winners took 65% or more of the awards; many suppliers, under 35% with at least ten different winners. New: no award from the same buyer or market in the two years before.
Competition
- tenders per lot on average (open and restricted procedures)
- 1.8
- of those lots received a single tender
- 27%
- of the awards went to companies based in another country
- 1%
- of the tenders came from another country
- 8%
As the official award notices state them, over the last 3 years. Tenders per lot count open and restricted procedures only: in a negotiated procedure or a direct award a single tender is the procedure itself. The country is the one the notice gives for the winner.
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