{"id":6620,"date":"2025-10-13T10:55:32","date_gmt":"2025-10-13T08:55:32","guid":{"rendered":"https:\/\/hermix.com\/?p=6620"},"modified":"2025-10-13T10:55:32","modified_gmt":"2025-10-13T08:55:32","slug":"reteaua-belgiana-de-asigurari-mutuale-socialiste-acorda-un-cadru-pentru-portofoliul-de-asigurari-in-valoare-de-30-de-milioane-de-euro","status":"publish","type":"post","link":"https:\/\/hermix.com\/ro\/belgian-socialist-mutual-insurance-network-awards-e30m-insurance-portfolio-framework\/","title":{"rendered":"Re\u021beaua Socialist\u0103 Belgian\u0103 de Asigur\u0103ri Mutuale acord\u0103 un portofoliu de asigur\u0103ri cu un cadru de 30 de milioane de euro"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Uniunea Na\u021bional\u0103 a Mutualit\u0103\u021bilor Socialiste (Solidaris) a lansat o licita\u021bie deschis\u0103 pentru o acoperire complet\u0103 a asigur\u0103rilor \u00een cadrul re\u021belei sale na\u021bionale de organiza\u021bii de asigur\u0103ri mutuale socialiste. Acest acord-cadru pe 12 luni, \u00een valoare de 30 de milioane de euro, acoper\u0103 asigur\u0103rile de bunuri, r\u0103spundere civil\u0103, accidente, vehicule \u0219i c\u0103l\u0103torie pentru \u00eentregul sector mutual socialist belgian.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Rezumat<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Solidaris, uniunea na\u021bional\u0103 a companiilor mutuale de asigur\u0103ri socialiste din Belgia, caut\u0103 furnizori de asigur\u0103ri pentru a re\u00eennoi portofoliile multiple de asigur\u0103ri care acoper\u0103 organiza\u021bia \u0219i re\u021beaua sa de mutuale provinciale \u0219i entit\u0103\u021bi asociate din Belgia. Acordul-cadru se \u00eentinde pe 30 de milioane de euro pe o perioad\u0103 de 12 luni, ofertele urm\u00e2nd s\u0103 fie depuse p\u00e2n\u0103 la 10 octombrie 2025. Aceast\u0103 achizi\u021bie consolideaz\u0103 acoperirea asigur\u0103rilor pentru incendii \u0219i pericole conexe, riscuri IT, r\u0103spundere civil\u0103, activit\u0103\u021bi \u0219colare, accidente de munc\u0103, vehicule \u0219i asigur\u0103ri colective de c\u0103l\u0103torie. Licita\u021bia reflect\u0103 schimb\u0103rile structurale recente din sectorul mutual francofon, unde mai multe organiza\u021bii au fuzionat \u00een 2022 pentru a forma Mutualit\u00e9 Solidaris Wallonie, men\u021bin\u00e2nd \u00een acela\u0219i timp unit\u0103\u021bi teritoriale distincte. Furnizorii de asigur\u0103ri trebuie s\u0103 ofere acoperire \u00een toate provinciile belgiene \u00een care opereaz\u0103 mutualele socialiste, \u021bin\u00e2nd cont at\u00e2t de entit\u0103\u021bile juridice unificate, c\u00e2t \u0219i de distinc\u021biile teritoriale \u00een structurile poli\u021belor.<\/p>\n\n\n\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Prezentare general\u0103 a licita\u021biei<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Informa\u021bii de baz\u0103<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">ID document: 00629154-2025 Num\u0103r de referin\u021b\u0103: 2025-085-UNMS-MP Data public\u0103rii: 25 septembrie 2025 Termen limit\u0103: 10 octombrie 2025 Statut: Deschis Surs\u0103: TED BOSA<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Rezumat financiar<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Valoare total\u0103 estimat\u0103: 30.000.000,00 EUR Durata contractului: 12 luni Finan\u021bare UE: Nu<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Achizi\u021bia const\u0103 \u00eentr-un singur lot care acoper\u0103 toate categoriile de asigur\u0103ri pentru \u00eentreaga re\u021bea Solidaris.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Defalcarea bugetului<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Acordul-cadru acoper\u0103 poli\u021be de asigurare distincte pentru fiecare entitate juridic\u0103 participant\u0103, \u00een urm\u0103toarele categorii de risc:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Asigurare pentru daune materiale:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Incendiu \u0219i pericole conexe (pericolele denumite \u0219i toate riscurile, cu excep\u021bia)<\/li>\n\n\n\n<li>Echipamente IT pentru toate riscurile<\/li>\n\n\n\n<li>Cazare \u0219i transport obiecte de valoare<\/li>\n\n\n\n<li>Opere de art\u0103 \u0219i expozi\u021bii cu toate riscurile<\/li>\n\n\n\n<li>Scaune cu rotile pentru toate riscurile<\/li>\n\n\n\n<li>Semnalizare pentru toate riscurile<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">R\u0103spundere civil\u0103 \u0219i protec\u021bie juridic\u0103:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>R\u0103spundere civil\u0103 general\u0103 \u0219i r\u0103spundere obiectiv\u0103 pentru incendii\/explozii (cu excep\u021bia activit\u0103\u021bilor spitalice\u0219ti \u0219i policlinicelor)<\/li>\n\n\n\n<li>R\u0103spundere civil\u0103 \u0219i r\u0103spundere obiectiv\u0103 pentru incendiu\/explozie pentru activit\u0103\u021bile spitalice\u0219ti \u0219i policlinice<\/li>\n\n\n\n<li>R\u0103spunderea directorilor<\/li>\n\n\n\n<li>R\u0103spunderea civil\u0103 pentru organizarea activit\u0103\u021bii temporare<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Asigurare combinat\u0103 pentru \u0219coal\u0103 \u0219i activit\u0103\u021bi:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Asigurare \u0219colar\u0103 combinat\u0103<\/li>\n\n\n\n<li>Acoperirea asocia\u021biilor<\/li>\n\n\n\n<li>Acoperirea organiza\u021biilor de voluntariat \u00een domeniile asisten\u021bei sociale, s\u0103n\u0103t\u0103\u021bii publice \u0219i politicilor familiale<\/li>\n\n\n\n<li>Federa\u021bii sportive<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Asigurare pentru accidente de munc\u0103 \u0219i accidente colective:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Accidente de munc\u0103<\/li>\n\n\n\n<li>Accidente de via\u021b\u0103 privat\u0103<\/li>\n\n\n\n<li>Accidente cu v\u0103t\u0103m\u0103ri corporale (diverse)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Asigurare auto:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Acoperire vehicul<\/li>\n\n\n\n<li>Acoperire complet\u0103 a misiunii<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Asigurare colectiv\u0103 de c\u0103l\u0103torie<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Documenta\u021bia de licita\u021bie nu prevede aloc\u0103ri bugetare specifice pe categorie de asigur\u0103ri.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Analiza profilului cump\u0103r\u0103torului<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Contextul organiza\u021bional<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Solidaris \u2013 Uniunea Na\u021bional\u0103 a Mutualit\u0103\u021bilor Socialiste reprezint\u0103 organiza\u021bia umbrel\u0103 pentru toate mutualele socialiste (mutualele de asigur\u0103ri de s\u0103n\u0103tate) de pe teritoriul belgian. O mutual\u0103 socialist\u0103 opereaz\u0103 \u00een fiecare provincie belgian\u0103, oferind asigur\u0103ri de s\u0103n\u0103tate \u0219i servicii conexe membrilor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">At\u00e2t Solidaris UNMS, c\u00e2t \u0219i mutualele socialiste provinciale individuale \u00ee\u0219i men\u021bin propriile re\u021bele de organiza\u021bii asociate. \u00cen cadrul acestui cadru de achizi\u021bii, Solidaris UNMS \u0219i mutualele socialiste reprezint\u0103 entit\u0103\u021bi umbrel\u0103, fiecare acoperind mai multe asocia\u021bii subordonate.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O schimbare structural\u0103 semnificativ\u0103 a avut loc la 1 ianuarie 2022, c\u00e2nd mai multe mutuale francofone au fuzionat pentru a forma Mutualit\u00e9 Solidaris Wallonie (Solidaris Wallonie). Aceast\u0103 fuziune a creat o singur\u0103 entitate juridic\u0103, men\u021bin\u00e2nd \u00een acela\u0219i timp unit\u0103\u021bi de \u00eenfiin\u021bare distincte corespunz\u0103toare teritoriilor mutualelor actuale. Poli\u021bele de asigurare pentru aceste mutuale vor fi subscrise \u00een numele Solidaris Wallonie, dar trebuie s\u0103 specifice teritoriul relevant de fiecare dat\u0103.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Documenta\u021bia de licita\u021bie indic\u0103 faptul c\u0103, \u00eencep\u00e2nd cu 1 ianuarie 2026, anumite poli\u021be pot fi \u00eencheiate exclusiv \u00een numele Solidaris Wallonie, f\u0103r\u0103 distinc\u021bii teritoriale. Dialogul privind aceast\u0103 tranzi\u021bie va avea loc dup\u0103 \u00eencheierea contractului. Datele precise de contact \u0219i de facturare vor fi transmise la momentul \u00eencheierii fiec\u0103rei poli\u021be.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Istoricul achizi\u021biilor<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Datele de achizi\u021bii ale cump\u0103r\u0103torului arat\u0103:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e2\u0219tig\u0103torii anteriori ai contractelor:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>PV ASSURANCES PV VERZEKERINGEN CVBA: 14 milioane EUR pentru 2 contracte, medie 6,9 milioane EUR per contract<\/li>\n\n\n\n<li>MOLLIE: 494.000 \u20ac pentru 1 contract<\/li>\n\n\n\n<li>AUDIRIS: 140 \u20ac pentru 1 contract<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e2\u0219tig\u0103torii anteriori sunt predominant firme belgiene, cu un contractant din Olanda (MOLLIE, la 494.000 EUR).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Activitate total\u0103 de achizi\u021bii:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>171 de contracte atribuite \u00een valoare total\u0103 de 244 milioane de euro<\/li>\n\n\n\n<li>5 contracte similare atribuite \u00een valoare de 14 milioane de euro<\/li>\n\n\n\n<li>4 re\u00eennoiri similare \u00een valoare de 11 milioane de euro<\/li>\n\n\n\n<li>70 de re\u00eennoiri \u00een valoare total\u0103 de 218 milioane de euro<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Datele privind achizi\u021biile publice arat\u0103 al\u021bi 392 de cump\u0103r\u0103tori cu proiecte de asigur\u0103ri similare, evaluate la 599 de milioane de euro, \u00een toat\u0103 Belgia, ceea ce indic\u0103 o activitate substan\u021bial\u0103 \u00een achizi\u021biile publice de asigur\u0103ri.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Indicatori ai rela\u021biei de munc\u0103<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Achizi\u021bia public\u0103 se desf\u0103\u0219oar\u0103 printr-o procedur\u0103 de negociere, cu publicarea prealabil\u0103 a unei invita\u021bii la o procedur\u0103 concuren\u021bial\u0103. Aceast\u0103 abordare permite dialogul \u0219i negocierea \u00een timpul procesului de evaluare.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Criteriile de evaluare combin\u0103 pre\u021bul \u0219i calitatea, de\u0219i ponderile specifice nu sunt dezv\u0103luite \u00een documenta\u021bia disponibil\u0103. Av\u00e2nd \u00een vedere contextul sectorului medical \u0219i necesitatea de a deservi popula\u021biile vulnerabile, factorii de calitate lega\u021bi de gestionarea cererilor de desp\u0103gubire, r\u0103spunsul rapid la servicii \u0219i caracterul complet al acoperirii vor fi importan\u021bi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Structura acordului-cadru prevede c\u0103 poli\u021bele individuale de asigurare vor fi \u00eencheiate separat pentru fiecare entitate juridic\u0103 participant\u0103, \u00een func\u021bie de necesit\u0103\u021bi. Cump\u0103r\u0103torul subliniaz\u0103 c\u0103 datele precise de contact \u0219i de facturare vor fi furnizate \u00een momentul \u00eentocmirii fiec\u0103rei poli\u021be specifice.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cerin\u021bele lingvistice \u021bin cont de diversitatea lingvistic\u0103 a Belgiei, accept\u00e2ndu-se oferte at\u00e2t \u00een francez\u0103, c\u00e2t \u0219i \u00een flamand\u0103.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Analiza domeniului de aplicare \u0219i a cerin\u021belor<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Categorii de servicii<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Acordul-cadru stabile\u0219te structura pentru \u00eencheierea unor poli\u021be de asigurare distincte \u00een numele fiec\u0103rei entit\u0103\u021bi juridice participante pentru categorii specifice de risc. Asigur\u0103torii trebuie s\u0103 ofere acoperire pentru toate tipurile de asigur\u0103ri specificate, de\u0219i poli\u021bele individuale vor fi emise separat.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Cerin\u021be privind asigurarea pentru daune materiale<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Incendiu \u0219i pericole conexe: Acoperire at\u00e2t pentru pericolele men\u021bionate, c\u00e2t \u0219i pentru toate riscurile, cu excep\u021bia celor de baz\u0103 Echipamente IT: Acoperire complet\u0103 pentru toate riscurile activelor IT Obiecte de valoare: Acoperire pentru \u0219edere \u0219i transport pentru obiecte de valoare Opere de art\u0103 \u0219i expozi\u021bii: Acoperire pentru toate riscurile colec\u021biilor de art\u0103 \u0219i materialelor expozi\u021bionale Scaune cu rotile: Acoperire complet\u0103 pentru echipamentele pentru scaune cu rotile Semnalistic\u0103: Acoperire pentru toate riscurile pentru semnalizarea \u0219i afi\u0219ajele organiza\u021bionale<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Cerin\u021be privind r\u0103spunderea civil\u0103 \u0219i protec\u021bia juridic\u0103<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">R\u0103spundere Civil\u0103 General\u0103: Acoperire care exclude activit\u0103\u021bile spitalice\u0219ti \u0219i policlinice, inclusiv r\u0103spunderea obiectiv\u0103 pentru incendii\/explozii. R\u0103spunderea Spitalelor \u0219i Policlinicilor: Acoperire specializat\u0103 pentru opera\u021biunile unit\u0103\u021bilor sanitare, inclusiv r\u0103spunderea obiectiv\u0103 pentru incendii\/explozii. R\u0103spunderea Directorilor: Protec\u021bie pentru deciziile de conducere organiza\u021bional\u0103 \u0219i guvernan\u021b\u0103. Activit\u0103\u021bi Temporare: Acoperire de r\u0103spundere civil\u0103 pentru organizarea de evenimente \u0219i activit\u0103\u021bi temporare.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Cerin\u021be combinate de asigurare \u0219colar\u0103 \u0219i de activitate<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Asigurare \u0219colar\u0103: Acoperire combinat\u0103 pentru activit\u0103\u021bi educa\u021bionale; Asigurare pentru asocia\u021bii: Asigurare pentru organiza\u021biile asociate din cadrul re\u021belei; Organiza\u021bii de voluntari: Asigurare pentru voluntarii care lucreaz\u0103 \u00een domeniile asisten\u021bei sociale, s\u0103n\u0103t\u0103\u021bii publice \u0219i politicilor familiale; Federa\u021bii sportive: Asigurare pentru organiza\u021biile sportive afiliate.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Cerin\u021be privind accidentele de munc\u0103 \u0219i accidentele colective<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Accidente de munc\u0103: Asigurare legal\u0103 pentru accidente de munc\u0103 Accidente de via\u021b\u0103 privat\u0103: Acoperire pentru accidente \u00een afara contextelor de munc\u0103 V\u0103t\u0103m\u0103ri corporale: Acoperire pentru accidente diverse legate de v\u0103t\u0103m\u0103ri corporale<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Cerin\u021be de asigurare a vehiculelor<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Acoperire vehicul: Asigurare standard pentru vehicule Acoperire complet\u0103 pentru misiuni: Acoperire \u00eembun\u0103t\u0103\u021bit\u0103 pentru vehiculele utilizate \u00een misiunile organiza\u021bionale<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Cerin\u021be privind asigurarea colectiv\u0103 de c\u0103l\u0103torie<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Acoperire de c\u0103l\u0103torii de grup pentru excursii \u0219i activit\u0103\u021bi organiza\u021bionale<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Cerin\u021be tehnice<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Licita\u021bia nu specific\u0103 cerin\u021be tehnice detaliate, cum ar fi limitele de acoperire, fran\u0219izele sau termenii specifici ai poli\u021bei. Aceste detalii sunt abordate \u00een timpul procesului de negociere \u0219i al stabilirii individuale a poli\u021bei.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Complexitatea structural\u0103 a organiza\u021biei cump\u0103r\u0103torului impune asigur\u0103torilor s\u0103 \u021bin\u0103 cont de:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Mai multe entit\u0103\u021bi juridice cu nevoi distincte de acoperire<\/li>\n\n\n\n<li>Distinc\u021bii teritoriale \u00een cadrul entit\u0103\u021bilor fuzionate (Solidaris Wallonie)<\/li>\n\n\n\n<li>Planificarea tranzi\u021biei pentru consolidarea politicilor de la 1 ianuarie 2026<\/li>\n\n\n\n<li>Structuri de politici flexibile care s\u0103 se adapteze evolu\u021biei organiza\u021bionale<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Acoperire geografic\u0103<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Acoperirea se extinde \u00een toate provinciile belgiene \u00een care opereaz\u0103 mutuale socialiste. Num\u0103rul exact \u0219i loca\u021biile facilit\u0103\u021bilor, birourilor \u0219i loca\u021biilor opera\u021bionale sunt detaliate \u00een documenta\u021bia concursului.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Organiza\u021bia cump\u0103r\u0103torului opereaz\u0103 \u00een toat\u0103 Belgia, deservind at\u00e2t regiuni francofone, c\u00e2t \u0219i regiuni vorbitoare de limb\u0103 olandez\u0103, ceea ce se reflect\u0103 \u00een cerin\u021bele de licita\u021bie bilingv\u0103.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Evaluarea oportunit\u0103\u021bilor de pia\u021b\u0103<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Afaceri \u021bint\u0103<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Aceast\u0103 achizi\u021bie vizeaz\u0103:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Furnizori de asigur\u0103ri multi-linie: Firme capabile s\u0103 ofere \u00eentreaga gam\u0103 de produse de asigurare de proprietate, r\u0103spundere civil\u0103, accidente, vehicule \u0219i c\u0103l\u0103torie<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Experien\u021b\u0103 \u00een domeniul asigur\u0103rilor din sectorul public: \u00cen\u021belegerea cerin\u021belor organismelor de drept public \u0219i a opera\u021biunilor din sectorul s\u0103n\u0103t\u0103\u021bii<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cuno\u0219tin\u021be despre pia\u021ba belgian\u0103: Familiaritate cu reglement\u0103rile belgiene privind asigur\u0103rile, sectorul asigur\u0103rilor mutuale \u0219i contextul sistemului de s\u0103n\u0103tate<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Capacitate de scalare: Capacitatea de a gestiona prime anuale de 30 de milioane de euro la mai multe entit\u0103\u021bi \u0219i tipuri de acoperire<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Serviciu bilingv: Capacitatea de a opera at\u00e2t \u00een francez\u0103, c\u00e2t \u0219i \u00een flamand\u0103 pentru a deservi toate entit\u0103\u021bile din re\u021bea<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Gestionarea daunelor: Sisteme robuste de gestionare a daunelor pentru organiza\u021bii din domeniul s\u0103n\u0103t\u0103\u021bii cu profiluri de risc diverse<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Acoperire multi-loca\u021bie: Experien\u021b\u0103 \u00een furnizarea de asigur\u0103ri \u00een mai multe loca\u021bii \u0219i structuri organiza\u021bionale<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Domeniul de aplicare cuprinz\u0103tor favorizeaz\u0103 companiile de asigur\u0103ri consacrate sau consor\u021biile cu portofolii largi de produse, mai degrab\u0103 dec\u00e2t furnizorii specializa\u021bi axa\u021bi pe linii de asigur\u0103ri individuale.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Analiza concuren\u021bei<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Datele de pia\u021b\u0103 arat\u0103:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>PV ASSURANCES PV VERZEKERINGEN CVBA domin\u0103 acordarea de contracte istorice cu 14 milioane de euro \u00een 2 contracte<\/li>\n\n\n\n<li>392 de cump\u0103r\u0103tori cu proiecte de asigurare similare \u00een valoare de 599 milioane de euro \u00een toat\u0103 Belgia<\/li>\n\n\n\n<li>5 contracte istorice similare atribuite de acest cump\u0103r\u0103tor \u00een valoare de 14 milioane de euro<\/li>\n\n\n\n<li>4 oportunit\u0103\u021bi similare de re\u00eennoire \u00een valoare de 11 milioane de euro<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Cump\u0103r\u0103torul are la dispozi\u021bie 70 de oportunit\u0103\u021bi de re\u00eennoire \u00een valoare total\u0103 de 218 milioane de euro, ceea ce sugereaz\u0103 cicluri regulate de achizi\u021bii pentru diverse nevoi de asigurare. Valoarea de 30 de milioane de euro a acestei licita\u021bii unice reprezint\u0103 o consolidare semnificativ\u0103 a achizi\u021biilor de asigur\u0103ri.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Prezen\u021ba at\u00e2t a furnizorilor belgieni, c\u00e2t \u0219i a celor interna\u021bionali (\u021a\u0103rile de Jos) \u00een cadrul premiilor istorice indic\u0103 deschiderea fa\u021b\u0103 de furnizorii transfrontalieri de pe pia\u021ba UE.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Bariere la intrare<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Prezen\u021ba pe pia\u021ba belgian\u0103: Nevoie practic\u0103 a opera\u021biunilor locale pentru a deservi facilit\u0103\u021bi din toate provinciile<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Capacitate multi-linie: Speciali\u0219tii dintr-o singur\u0103 linie nu pot \u00eendeplini cerin\u021bele de acoperire complet\u0103<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Capacitate lingvistic\u0103: Furnizarea de servicii bilingve \u00een francez\u0103 \u0219i flamand\u0103<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cuno\u0219tin\u021be din sectorul medical: \u00cen\u021belegerea opera\u021biunilor spitalice\u0219ti, a riscurilor din domeniul s\u0103n\u0103t\u0103\u021bii \u0219i a structurilor organiza\u021bionale de s\u0103n\u0103tate public\u0103<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Infrastructur\u0103 pentru daune: Sisteme robuste pentru gestionarea diverselor tipuri de daune \u00een mai multe loca\u021bii<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Conformitate cu reglement\u0103rile: Cunoa\u0219terea reglement\u0103rilor belgiene privind asigur\u0103rile \u0219i a regulilor de achizi\u021bii publice<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Capacitate financiar\u0103: Capacitate de subscriere suficient\u0103 pentru un volum anual de prime de 30 de milioane de euro<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Perspective strategice<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Factori cheie de succes<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ofertele c\u00e2\u0219tig\u0103toare vor demonstra:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Portofoliu complet de asigur\u0103ri care acoper\u0103 toate liniile de asigurare necesare, f\u0103r\u0103 lacune sau excluderi<\/li>\n\n\n\n<li>Experien\u021b\u0103 cu organiza\u021biile din sectorul s\u0103n\u0103t\u0103\u021bii \u0219i companiile de asigur\u0103ri mutuale din Belgia<\/li>\n\n\n\n<li>Capacitate de servicii bilingve care s\u0103 ofere servicii at\u00e2t francofone, c\u00e2t \u0219i neerlandeze<\/li>\n\n\n\n<li>\u00cen\u021belegerea structurii organiza\u021bionale Solidaris, inclusiv fuziunea din 2022 care a creat Solidaris Wallonie<\/li>\n\n\n\n<li>Structuri de politici flexibile care s\u0103 permit\u0103 distinc\u021biile teritoriale \u00een cadrul entit\u0103\u021bilor juridice unificate<\/li>\n\n\n\n<li>Capacitatea de gestionare a tranzi\u021biei pentru consolidarea politicilor din ianuarie 2026<\/li>\n\n\n\n<li>Expertiz\u0103 \u00een gestionarea daunelor \u00een diverse categorii de risc, de la daune materiale la r\u0103spundere profesional\u0103<\/li>\n\n\n\n<li>Pre\u021buri competitive echilibrate cu o acoperire complet\u0103 \u0219i calitate a serviciilor<\/li>\n\n\n\n<li>Referin\u021be de la organiza\u021bii comparabile de s\u0103n\u0103tate public\u0103 sau de asigur\u0103ri mutuale<\/li>\n\n\n\n<li>Propunere care abordeaz\u0103 at\u00e2t nevoile imediate, c\u00e2t \u0219i evolu\u021bia organiza\u021bional\u0103 pe termen lung<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Criteriile de evaluare care combin\u0103 pre\u021bul \u0219i calitatea sugereaz\u0103 c\u0103 cel mai mic cost \u00een sine nu va fi c\u00e2\u0219tig\u0103tor. Asigur\u0103torii trebuie s\u0103 echilibreze primele competitive cu capacitatea demonstrat\u0103 de a oferi servicii \u0219i complexitatea acoperirii.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Evaluare a riscurilor<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Printre poten\u021bialele provoc\u0103ri se num\u0103r\u0103:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Complexitate organiza\u021bional\u0103: Structura cump\u0103r\u0103torului include o organiza\u021bie umbrel\u0103 (Solidaris UNMS), societ\u0103\u021bi mutuale provinciale \u0219i entit\u0103\u021bi asociate sub fiecare. Asigur\u0103torii trebuie s\u0103 navigheze prin aceast\u0103 structur\u0103 multistratificat\u0103 \u0219i s\u0103 \u00een\u021beleag\u0103 care entitate juridic\u0103 necesit\u0103 acoperire pentru care riscuri.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tranzi\u021bia fuziunii: Crearea \u00een 2022 a Solidaris Wallonie ca entitate juridic\u0103 unificat\u0103 cu unit\u0103\u021bi teritoriale distincte creeaz\u0103 complexitate \u00een structurarea poli\u021belor. Asigur\u0103torii trebuie s\u0103 \u021bin\u0103 cont de distinc\u021biile teritoriale actuale \u00een timp ce se preg\u0103tesc pentru o posibil\u0103 consolidare complet\u0103 din ianuarie 2026.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Profilul de risc \u00een domeniul s\u0103n\u0103t\u0103\u021bii: Activit\u0103\u021bile spitalice\u0219ti \u0219i policlinice prezint\u0103 riscuri mai mari de r\u0103spundere civil\u0103, necesit\u00e2nd expertiz\u0103 specializat\u0103 \u00een subscriere. Combinarea acestor activit\u0103\u021bi cu risc ridicat cu asigur\u0103rile standard ale organiza\u021biilor complic\u0103 evaluarea riscurilor \u0219i stabilirea pre\u021burilor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Arie geografic\u0103 de aplicare: Furnizarea de servicii consecvente \u00een toate provinciile belgiene necesit\u0103 o prezen\u021b\u0103 local\u0103 substan\u021bial\u0103 sau parteneriate de re\u021bea.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Coordonare multi-linie: Coordonarea mai multor tipuri de asigur\u0103ri \u00een cadrul numeroaselor entit\u0103\u021bi necesit\u0103 sisteme sofisticate de administrare a poli\u021belor \u0219i de gestionare a cererilor de desp\u0103gubire.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Volumul daunelor: Baza mare de membri ai mutualit\u0103\u021bilor socialiste belgiene genereaz\u0103 un volum substan\u021bial de daune care necesit\u0103 o capacitate eficient\u0103 de procesare.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mediul de reglementare: Reglement\u0103rile belgiene privind asigur\u0103rile \u0219i normele de achizi\u021bii publice creeaz\u0103 cerin\u021be de conformitate pe tot parcursul execut\u0103rii contractelor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Adecvarea primelor: Durata contractului de 12 luni, cu o valoare de 30 de milioane de euro, sugereaz\u0103 un volum anual ridicat de prime. Asigur\u0103torii trebuie s\u0103 asigure adecvarea pre\u021burilor, f\u0103r\u0103 garan\u021bii pe termen lung privind ratele.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Considera\u021bii de reglementare<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Toat\u0103 acoperirea trebuie s\u0103 respecte:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Reglement\u0103rile belgiene privind asigur\u0103rile \u0219i cerin\u021bele de solvabilitate<\/li>\n\n\n\n<li>Normele privind achizi\u021biile publice \u00een temeiul legisla\u021biei belgiene<\/li>\n\n\n\n<li>Standardele de asigurare a unit\u0103\u021bilor sanitare<\/li>\n\n\n\n<li>Cerin\u021be legale privind asigurarea pentru accidente de munc\u0103<\/li>\n\n\n\n<li>Legisla\u021bia privind acoperirea obligatorie a asigur\u0103rii auto<\/li>\n\n\n\n<li>Reglement\u0103ri privind protec\u021bia datelor pentru gestionarea informa\u021biilor membrilor<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Recomand\u0103ri ac\u021bionabile<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pentru poten\u021bialii ofertan\u021bi<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Firmele interesate s\u0103 licitate ar trebui:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Examina\u021bi documenta\u021bia complet\u0103 a licita\u021biei disponibil\u0103 prin intermediul surselor oficiale (platformele TED \u0219i BOSA)<\/li>\n\n\n\n<li>Evaluarea capacit\u0103\u021bii interne pentru toate liniile de asigurare necesare, form\u00e2nd parteneriate dac\u0103 exist\u0103 lacune \u00een portofoliul de produse.<\/li>\n\n\n\n<li>Preg\u0103ti\u021bi propuneri detaliate de servicii pentru fiecare categorie de asigur\u0103ri, pun\u00e2nd accent pe experien\u021ba din sectorul medical<\/li>\n\n\n\n<li>Documenta\u021bi capacitatea de a oferi servicii bilingve cu dovezi de suport \u00een limbile francez\u0103 \u0219i flamand\u0103<\/li>\n\n\n\n<li>Dezvoltarea unor modele de pre\u021buri care s\u0103 \u021bin\u0103 cont at\u00e2t de structura teritorial\u0103 actual\u0103, c\u00e2t \u0219i de poten\u021biala consolidare din 2026<\/li>\n\n\n\n<li>Colecta\u021bi referin\u021be de la clien\u021bi din sectorul belgian al s\u0103n\u0103t\u0103\u021bii sau de la organiza\u021bii de asigur\u0103ri mutuale comparabile<\/li>\n\n\n\n<li>Preg\u0103ti\u021bi protocoale de gestionare a cererilor de desp\u0103gubire adecvate pentru organiza\u021biile din domeniul s\u0103n\u0103t\u0103\u021bii cu mai multe loca\u021bii<\/li>\n\n\n\n<li>Calcula\u021bi pre\u021burile ajustate la risc, lu\u00e2nd \u00een considerare combina\u021bia de riscuri organiza\u021bionale standard \u0219i activit\u0103\u021bi spitalice\u0219ti cu risc mai mare<\/li>\n\n\n\n<li>Dezvoltarea unor structuri de politici suficient de flexibile pentru a se adapta evolu\u021biei organiza\u021bionale f\u0103r\u0103 a necesita o renegociere complet\u0103<\/li>\n\n\n\n<li>Contacta\u021bi cump\u0103r\u0103torul (mp-oo@solidaris.be) pentru a clarifica \u00eentreb\u0103ri despre structurile entit\u0103\u021bilor \u0219i coordonarea acoperirii.<\/li>\n\n\n\n<li>Trimite\u021bi ofertele \u00een limba corespunz\u0103toare (francez\u0103 sau flamand\u0103) p\u00e2n\u0103 la 10 octombrie 2025<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Ofertan\u021bii ar trebui s\u0103 pun\u0103 accent pe valoare dincolo de pre\u021b, inclusiv pe calitatea serviciilor, expertiza \u00een domeniul daunelor \u0219i \u00een\u021belegerea structurii organiza\u021bionale unice a cump\u0103r\u0103torului.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Pentru observatorii din industrie<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Aceast\u0103 licita\u021bie relev\u0103 c\u00e2teva tendin\u021be semnificative:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Consolidarea achizi\u021biilor de asigur\u0103ri din sectorul public: Acordul-cadru unic de 30 de milioane de euro consolideaz\u0103 mai multe linii de asigur\u0103ri pentru o \u00eentreag\u0103 re\u021bea organiza\u021bional\u0103. Aceast\u0103 tendin\u021b\u0103 favorizeaz\u0103 furnizorii mari de asigur\u0103ri fa\u021b\u0103 de speciali\u0219tii mai mici.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Impactul evolu\u021biei organiza\u021bionale: Fuziunea din 2022, care a creat Solidaris Wallonie, demonstreaz\u0103 consolidarea continu\u0103 \u00een sectorul asigur\u0103rilor mutuale din Belgia. Furnizorii de asigur\u0103ri trebuie s\u0103 se adapteze structurilor organiza\u021bionale \u00een continu\u0103 evolu\u021bie, men\u021bin\u00e2nd \u00een acela\u0219i timp continuitatea serviciilor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Specializarea sectorului medical: Separarea r\u0103spunderii spitalice\u0219ti\/policlinicelor de r\u0103spunderea general\u0103 a organiza\u021biei recunoa\u0219te profiluri de risc distincte care necesit\u0103 subscriere specializat\u0103.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Grupare multi-linie de asigur\u0103ri: Combinarea asigur\u0103rilor de proprietate, r\u0103spundere civil\u0103, accidente, vehicule \u0219i c\u0103l\u0103torie \u00eentr-un singur cadru reflect\u0103 preferin\u021ba cump\u0103r\u0103torului pentru o acoperire coordonat\u0103 de la mai pu\u021bini furnizori.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cerin\u021be lingvistice: Cerin\u021ba privind serviciile bilingve (francez\u0103 \u0219i flamand\u0103) reflect\u0103 diversitatea lingvistic\u0103 a Belgiei \u0219i limiteaz\u0103 accesul practic la pia\u021b\u0103 pentru asigur\u0103torii cu capacit\u0103\u021bi multilingve.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Oportunit\u0103\u021bi conexe<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Documenta\u021bia de licita\u021bie nu face referire la nicio rectificare sau anun\u021b conex dincolo de anun\u021bul de contract ini\u021bial publicat la 25 septembrie 2025.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Profilul de achizi\u021bii al cump\u0103r\u0103torului arat\u0103:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>70 de oportunit\u0103\u021bi de re\u00eennoire \u00een valoare total\u0103 de 218 milioane de euro<\/li>\n\n\n\n<li>4 oportunit\u0103\u021bi similare de re\u00eennoire \u00een valoare de 11 milioane de euro<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Aceasta sugereaz\u0103 cicluri regulate de achizi\u021bii publice \u00een domeniul asigur\u0103rilor. Firmele ar trebui s\u0103 monitorizeze anun\u021burile de achizi\u021bii publice Solidaris pentru oportunit\u0103\u021bi conexe \u00een linii de asigur\u0103ri specializate sau subdiviziuni geografice.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Exist\u0103 oportunit\u0103\u021bi similare cu al\u021bi 392 de cump\u0103r\u0103tori din sectoare comparabile, cu o valoare total\u0103 de pia\u021b\u0103 de 599 de milioane de euro \u00een Belgia. Sectorul public de s\u0103n\u0103tate din Belgia \u0219i organiza\u021biile de asigur\u0103ri mutuale ofer\u0103 o cerere constant\u0103 pentru o acoperire complet\u0103 a asigur\u0103rilor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Asigur\u0103torii ar trebui s\u0103 monitorizeze:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Platforma de achizi\u021bii Solidaris pentru oportunit\u0103\u021bi conexe<\/li>\n\n\n\n<li>Portaluri belgiene de achizi\u021bii publice (TED \u0219i BOSA) pentru licita\u021bii similare \u00een domeniul asigur\u0103rilor de s\u0103n\u0103tate<\/li>\n\n\n\n<li>Organiza\u021bii mutuale provinciale pentru nevoile locale de asigurare<\/li>\n\n\n\n<li>Entit\u0103\u021bi asociate \u00een cadrul re\u021belei Solidaris pentru cerin\u021be de acoperire specializat\u0103<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Dori\u021bi s\u0103 vede\u021bi documenta\u021bia complet\u0103 \u0219i alte licita\u021bii publice relevante? \u00cenregistra\u021bi-v\u0103 gratuit pe Hermix, aici: <a href=\"https:\/\/hermix.com\/ro\/sign-up\/\">https:\/\/hermix.com\/sign-up\/<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nu este nevoie de card de credit, nu se pun \u00eentreb\u0103ri.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>PS: Aceast\u0103 analiz\u0103 se bazeaz\u0103 pe documenta\u021bia de licita\u021bie disponibil\u0103 publicului \u0219i pe datele furnizate de autoritatea contractant\u0103. De\u0219i ne str\u0103duim s\u0103 oferim informa\u021bii exacte, utilizatorii sunt responsabili pentru verificarea tuturor detaliilor \u00een raport cu documentele oficiale de licita\u021bie \u00eenainte de a lua orice decizie de achizi\u021bii.<\/em><\/p>\n\n\n<figure class=\"wp-block-post-featured-image\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1568\" height=\"722\" src=\"https:\/\/hermix.com\/wp-content\/uploads\/2025\/10\/Renouvellement-des-portefeuilles-dassurances-de-diverses-entites-article-featured-image.png\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Renouvellement des portefeuilles d&#039;assurances de diverses entit\u00e9s - oportunitate de licita\u021bie\" style=\"object-fit:cover;\" srcset=\"https:\/\/hermix.com\/wp-content\/uploads\/2025\/10\/Renouvellement-des-portefeuilles-dassurances-de-diverses-entites-article-featured-image.png 1568w, https:\/\/hermix.com\/wp-content\/uploads\/2025\/10\/Renouvellement-des-portefeuilles-dassurances-de-diverses-entites-article-featured-image-300x138.png 300w, https:\/\/hermix.com\/wp-content\/uploads\/2025\/10\/Renouvellement-des-portefeuilles-dassurances-de-diverses-entites-article-featured-image-1024x472.png 1024w, https:\/\/hermix.com\/wp-content\/uploads\/2025\/10\/Renouvellement-des-portefeuilles-dassurances-de-diverses-entites-article-featured-image-768x354.png 768w, https:\/\/hermix.com\/wp-content\/uploads\/2025\/10\/Renouvellement-des-portefeuilles-dassurances-de-diverses-entites-article-featured-image-1536x707.png 1536w\" sizes=\"(max-width: 1568px) 100vw, 1568px\" \/><\/figure>\n\n\n<p class=\"wp-block-paragraph\"><br><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><br><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><br><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><br><\/p>","protected":false},"excerpt":{"rendered":"<p>The Union Nationale des Mutualit\u00e9s Socialistes (Solidaris) has launched an open tender for comprehensive insurance coverage across its nationwide network of socialist mutual insurance organizations. This 12-month framework agreement worth \u20ac30 million covers property, liability, accident, vehicle, and travel insurance for the entire Belgian socialist mutual sector. Executive Summary Solidaris, Belgium&#8217;s national union of socialist [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":6621,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"content-type":"","inline_featured_image":false,"page_builder":"","footnotes":"","_ppma_block_editor_authors":""},"categories":[35],"tags":[25,33],"ppma_author":[16],"class_list":["post-6620","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tender-analysis","tag-public-sector","tag-public-tender"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.1.1 - aioseo.com -->\n\t<meta name=\"description\" content=\"The Union Nationale des Mutualit\u00e9s Socialistes (Solidaris) has launched an open tender for comprehensive insurance coverage across its nationwide network of socialist mutual insurance organizations. 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