Health and High-Risk Insurance 2026

The European Commission, specifically the Service for Foreign Policy Instruments (FPI), has issued a call for tenders identified as EC-FPI/2025/OP/0019 for the provision of health and high-risk insurance services. This tender is categorized as an open procedure, requiring electronic submissions. It aims to establish a framework agreement for specific insurance services covering two main groups: personnel employed by Common Foreign and Security Policy (CFSP) bodies, including those involved in civilian Common Security and Defence Policy (CSDP) missions, and Technical Assistants and Civil Protection Experts managed by the Directorate-General for European Civil Protection and Humanitarian Aid Operations (DG ECHO).

The maximum contract duration is set at 48 months, based on the best price-quality ratio for bid evaluation. The primary classification for this tender relates to accident and health insurance services, with CPV code 66512000.

Key milestones for this tender include:
- TED publication date: September 22, 2025
- Deadline for receipt of tenders: October 28, 2025, at 14:00 Brussels time
- Public opening of submissions: October 29, 2025, at 14:00 Brussels time
- Deadline for submitting questions: October 22, 2025, at 06:00 Brussels time, after which the contracting authority will no longer respond to inquiries.

Tender documents, including administrative and technical specifications, templates for the financial offer, and performance indicators, are available for download. Participants are required to use the eSubmission system, which supports all 24 official EU languages, and they must be registered with a Participant Identification Code (PIC) to submit their tenders. There are restrictions on the number and size of submitted documents, with a maximum of 200 files allowed, each no larger than 50 MB.

This public procurement is primarily open to large insurance companies capable of delivering the specialized services needed for high-risk environments. It favors established providers with proven capabilities to ensure effective coverage for EU personnel stationed in conflict zones and areas of danger. The process appears to prioritize service reliability and adequacy over cost, reflecting the critical nature of providing such insurance services.

The European Commission, FPI Service for Foreign Policy Instruments, has published a call for tenders EC-FPI/2025/OP/0019 for the provision of health and high-risk insurance services. The TED reference for this call is 181/2025 617447-2025. This is an open procedure, and submissions must be electronic.

The services required are for two distinct groups:

1. Staff employed by Common Foreign and Security Policy (CFSP) bodies and persons (i.e., civilian Common Security and Defence Policy (CSDP) missions and EU Special Representatives), pursuant to Title V of the Treaty of the European Union.
2. Technical Assistants and Civil Protection Experts managed by the European Commission through the Directorate-General for European Civil Protection and Humanitarian Aid Operations (DG ECHO).

The contract is for services, with a maximum duration of 48 months. The award method will be based on the best price-quality ratio. A framework agreement, without reopening of competition, will be used.

Key milestones include:

TED publication date: 22/09/2025
Date and time of public opening: 29/10/2025 14:00 Europe/Brussels
Deadline for receipt of tenders: 28/10/2025 14:00 Europe/Brussels
Deadline for questions: Contracting authority is not bound to reply to questions submitted after 22/10/2025 06:00 Europe/Brussels

The main classification (CPV) code is 66512000 - Accident and health insurance services.

The following documents are available for download:

EN1. Invitation to tender Invitation letter Published on 22/09/2025 Version 1 No translations available
EN3. Annex 2 to Tender specs (part 1-Admin) - Declaration honour Tender specifications Published on 22/09/2025 Version 1 No translations available
EN7. Annex 7 to Tender specs (part 2-Technical) - KPIs Tender specifications Published on 22/09/2025 Version 1 No translations available
EN6. Annex 1 to Tender specs (part 2-Technical) - Medical care - Ceilings and reimbursement rates Tender specifications Published on 22/09/2025 Version 1 No translations available
EN4. Annex 6 to Tender specs - (part 1-Admin)- Financial Offer Tender specifications Published on 22/09/2025 Version 1 No translations available
EN5. Annex I - Tender Specs-Part 2-Technical Specifications HHRI2026 Tender specifications Published on 22/09/2025 Version 1 No translations available
EN2. Annex I - Tender specs-part 1- Administrative specifications - HHRI 2025 Tender specifications Published on 22/09/2025 Version 1 No translations available
EN8. Annex II - Draft FWC - Main Conditions, Special Conditions, General Conditions and Specific Contract Draft contract Published on 22/09/2025 Version 1 No translations available
EN9. APPENDIX II - Model for Order forms Draft contract annex Published on 22/09/2025 Version 1 No translations available

Submissions must be sent exclusively via electronic submission.

Some frequently asked questions (FAQ) and their answers related to the eSubmission system are:

How to proceed if the system is slow or doesn’t work while uploading/downloading documents?
Make sure you use the latest versions of Google Chrome or Mozilla Firefox. If the issue persists, try the following steps: 1. Clear the cache and cookies on the Internet browser.

Which Internet browsers does eSubmission support?
Use the latest versions of Google Chrome or Mozilla Firefox. For the most up-to-date technical recommendations, click on the link System Requirements.

Is it possible to view the details of the submission after the deadline?
No, the content of the submission is not accessible after submitting the tender as the system encrypts all attachments upon upload.

Where can I find my submissions in Manage My Area, in the Funding & Tenders portal?
Depending on the type or step of procedure, you can find the submissions in one of these sections: In ‘My Submission(s)’: tenders in response to open calls for tenders, requests to participate.

Which size should attachments have?
eSubmission accepts files that are less than 50 MB in size.

How should I name attachments in eSubmission?
Name the attachments for your tender draft following the System Requirements. See the following conditions: The attachment name must be aligned with the naming convention described in the System Requirements document.

Can I submit a video in eSubmission? Which formats are supported?
Check the System Requirements of eSubmission.

I received an invitation from the F&T Portal but cannot view the procurement documents.
Invited candidates can only see the procurement documents after having selected an organisation. Go to F&T Portal, “My Invitations”. Click on “Select Organisation” from the “Action” column.

Do I need to validate my PIC in order to submit a tender in eSubmission?
The Personal Identification Code (PIC) is mandatory to participate in a call for tenders as a sole candidate/tenderer or as a member of a group (consortium).

I have an issue uploading a file in eSubmission and it’s giving me an error. What do I do?
Make sure it follows the technical requirements of the system.

How many attachments can I upload per submission?
The maximum number of documents the system will allow you to upload per tender is 200 files.

Why do tenderers need a PIC?
It is mandatory to register for a PIC if you intend to submit a tender or a request to participate. Only one PIC per organisation must be used.

How do I register my organisation and get a Participant Identification Code (PIC)?
First, check if the organisation is already registered using the Search PIC tool under 'How to Participate' > Participant Register.

How many languages does the system support?
The system is multilingual and supports all 24 official EU languages.

Which is the character set encoding in the system?
The character set encoding is UTF-8.

Does the system use encryption to ensure the integrity and the confidentiality of the information?
Yes, the system encrypts all uploaded documents, using an asymmetric key as an encryption mechanism.

Which file types does the system support?
The supported file types depend on the type of submission you want to make. The allowed file types are specified within the system requirements linked to the procedure in question.

Can I view and edit my draft submission?
Until the deadline for the submission has been reached, submissions in the draft status can be edited, viewed and deleted.

In the submission report, under the name of our entity, "Legal form: UNKNOWN" is displayed while in the system, our legal form was correctly displayed. Is this a problem for the submission?
No, it is just a display issue. This is not blocking for you: you can submit.

I sent my submission on time and a few days later, I received an automatic email informing me that the deadline for the reception of submissions had been reached. Does this mean that my submission was not correctly sent?
No, this is an auto-generated notification sent when the time limit of receipt defined for the call for tenders has been reached. Until then, you had the possibility of withdrawing your submission.

In summary, this is a call for tenders by the European Commission for health and high-risk insurance services for EU staff and experts working in foreign policy and civil protection roles. The tender is open to all eligible organizations, and the contract will be awarded based on the best price-quality ratio. The selected provider will enter into a framework agreement to provide these services for a period of up to 48 months. Interested parties must submit their tenders electronically by the deadline of October 28, 2025. The eSubmission system requires registration and adherence to specific technical requirements for file formats and sizes.

Eligible Applicant Types: The eligible applicant types are not explicitly stated, but based on the nature of the tender, it is likely open to insurance companies or service providers capable of providing health and high-risk insurance services.

Funding Type: This is a procurement opportunity, specifically a service contract.

Consortium Requirement: The content does not explicitly state whether a single applicant or a consortium is required. However, the FAQ mentions that a Personal Identification Code (PIC) is mandatory to participate as a sole candidate/tenderer or as a member of a group (consortium), implying that both single applicants and consortia are eligible.

Beneficiary Scope (Geographic Eligibility): The geographic eligibility is not explicitly mentioned, but given that it is an EU funding opportunity related to the Common Foreign and Security Policy (CFSP) and European Civil Protection and Humanitarian Aid Operations (DG ECHO), it is likely open to entities within the EU and possibly EEA, and potentially to entities in countries where CFSP bodies and CSDP missions operate.

Target Sector: The target sector is accident and health insurance services.

Mentioned Countries: No specific countries are mentioned, but the opportunity is related to the European Union and its Common Foreign and Security Policy (CFSP) and Common Security and Defence Policy (CSDP) missions, implying a focus on EU member states and countries where these missions are deployed.

Project Stage: The project stage is for service provision, meaning the selected tenderer will be providing ongoing health and high-risk insurance services.

Funding Amount: The estimated total value is not specified in the provided text.

Application Type: The application type is an open call for tenders, with electronic submission.

Nature of Support: The beneficiaries will receive service contracts for providing health and high-risk insurance.

Application Stages: The number of application stages is not explicitly stated, but it involves at least one stage of submitting a tender.

Success Rates: The success rates are not mentioned in the provided text.

Co-funding Requirement: The co-funding requirement is not mentioned in the provided text.

Summary:

This opportunity is a call for tenders issued by the European Commission, specifically the Service for Foreign Policy Instruments (FPI), for the provision of health and high-risk insurance services. The tender, identified as EC-FPI/2025/OP/0019, aims to establish a framework agreement with a service provider to cover two distinct groups: staff employed by Common Foreign and Security Policy (CFSP) bodies and persons involved in civilian Common Security and Defence Policy (CSDP) missions and EU Special Representatives, as well as Technical Assistants and Civil Protection Experts managed by the Directorate-General for European Civil Protection and Humanitarian Aid Operations (DG ECHO).

The procedure is an open call, meaning any interested and qualified insurance provider can submit a tender electronically. The contract duration is set for a maximum of 48 months, and the award will be based on the best price-quality ratio. The deadline for submitting tenders is October 28, 2025, at 14:00 Brussels time.

The tender documents, including the invitation letter, administrative and technical specifications, declaration of honor, financial offer template, key performance indicators (KPIs), draft framework contract, and model order forms, are available for download. The eSubmission system is multilingual, supporting all 24 official EU languages, and uses encryption to ensure the integrity and confidentiality of the information. Tenderers need a Participant Identification Code (PIC) to participate, and submissions are limited to 200 files, each smaller than 50 MB. The contracting authority is not bound to reply to questions submitted after October 22, 2025, at 06:00 Brussels time. The public opening of the tenders will take place on October 29, 2025, at 14:00 Brussels time.