Jammu and Kashmir Higher Education Department Group Personal Accident Insurance Tender Baramulla 2026 - Accidental Death & Disability Coverage for Students
Bid Publish Date
19-Oct-2026, 2:42 pm
Bid End Date
29-Oct-2026, 3:00 pm
Value
₹70,000
Location
Progress
Tender Overview
Organization: Jammu & Kashmir Higher Education Department. Procurement: Group Personal Accident Insurance Service for Students, covering accidental death, permanent total disability, and permanent partial disability. Location: Baramulla, Jammu & Kashmir (193101). Estimated value: ₹70,000. No BOQ items are listed and no start/end dates are provided, indicating a possible short-term insurance/coverage engagement. The tender emphasizes flexible contract quantity/duration up to 25% at award and renewal, suitable for lump-sum service delivery adjustments. The focus is on student safety insurance with clear risk coverage boundaries and statutory compliance for government-funded student support initiatives. Key differentiator: insurance for student group with specific accident-only coverage terms and no natural death coverage. Unique aspect: the Buyer Added Terms authorize scope adjustments up to 25% pre/post contract issuance, which should be considered in bid pricing and risk planning.
Technical Specifications & Requirements
- Product/Service: Group Personal Accident Insurance for students (accidental death, PTD, PPD).
- Coverage scope: Accidental death, permanent total disability, permanent partial disability.
- Beneficiary scope: Student beneficiaries under Higher Education Department programs (no natural death coverage).
- Financials: Estimated value ₹70,000; no explicit EMD listed.
- Standards/Compliance: Not specified; bidders should confirm standard insurance policy terms, endorsements, and policy wordings.
- Delivery/Service duration: Not specified; contract quantity/duration may be adjusted by up to 25% at issue.
- Experience/Qualification: Not specified; bidders should present insurance license, coverage capacity, and prior similar student-insurance experience.
- Documentation: Provide typical bid documents, policy terms, and insurer credentials.
Terms, Conditions & Eligibility
- EMD: Not explicitly stated; bidders should verify if an EMD or bid security is required.
- Delivery schedule: Not specified; plan for immediate activation upon award if applicable.
- Payment terms: Not specified; confirm premium payment cadence and regulatory settlement timelines.
- Scope adjustment: Up to 25% quantity/duration modification allowed by buyer.
- BOQ/Items: No items listed; prepare a single insurance policy proposal with coverage limits and riders.
- Warranty/Support: Insurance policies typically include claims support; confirm service level expectations.
- Documentation: GST, PAN, insurer license, policy wordings, financial stability proof, and prior client references may be required.
Key Specifications
-
Product/service names: Group Personal Accident Insurance for Students
-
Coverage: accidental death, permanent total disability, permanent partial disability
-
Estimated value: ₹70,000
-
Delivery/activation: not specified
-
Contractual adjustments: up to 25% scope/duration change allowed
-
Experience/qualification: not specified; require insurer with student-insurance capacity
-
Documentation: policy wordings, endorsements, insurer credentials
Terms & Conditions
-
25% contract quantity/duration adjustment allowed by buyer
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Insurance cover limited to accidents; no natural death coverage specified
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No BOQ items; single policy proposal required
Important Clauses
Payment Terms
Not specified; bidders must confirm premium payment cadence and settlement timelines with the department
Delivery Schedule
Activation timing not specified; bidders should prepare for immediate policy activation upon award if required
Penalties/Liquidated Damages
Not specified; bidders should seek clarification on SLA, claim settlement timelines, and any penalties for late activation
Bidder Eligibility
-
Licensed insurance company or underwriter with valid registration
-
Experience in student/group insurance within government programs
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Ability to issue policy wordings and endorsements compatible with government procurement
Tender Data
Bid Details
Quantity
1
Bid Type
Two Packet Bid
Bid Validity
30 (Days)
Bid Type
Service
Evaluation
Total value wise evaluation
Tech Clarification Time
2 Days
Preference & Exemptions
EMD Required
No
MII Compliance
Yes
MSE Purchase Preference
Yes
MSE Preference Band
L1+15%
MSE Exemption/Relaxation
No
Startup Exemption/Relaxation
No
Bid Splitting Applied
No
Requirements
Experience Required
2 Year (s)
Arbitration Clause
No
Mediation Clause
No
Additional Tender Data
Commercial Details
Tender Category
Service
Bid To RA
No
Bid To RA Enabled
No
Item Category
Group Personal Accident Insurance Service - Students; Only accidental death (not natural), Permanent total disability, Permanent partial disability
Payment Timelines
Payments shall be made to the Seller within 15 days of issue of service delivery acceptance certificate (SDAC) and on-line submission of bills (This is in supersession of 10 days time as provided in clause 12 of GeM GTC)
Delivery Details
Delivery Locations
1
Delivery Cities
Bandipora
Delivery Pincodes
193504
Delivery Locations
| Consignee | Address | City | State | Pincode | Quantity | Delivery Days | Additional Requirement |
|---|---|---|---|---|---|---|---|
| Safina Al Nisa | 193504,Principal Government College of Engineering & Technology Safapora (District Ganderbal) - Kashmir | Bandipora | Jammu And Kashmir | 193504 | Project / Lumpsum Based | - | No. of People to be Insured : 515 Total Sum Insured : 257500000 |
Authority Records
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Documents 4
GeM-Bidding-10056444.pdf
Main Document
Other Documents
OTHER
GEM General Terms and Conditions Document
GEM_GENERAL_TERMS_AND_CONDITIONS
GEM General Terms and Conditions Document
GEM_GENERAL_TERMS_AND_CONDITIONS
Categories
2
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Required Documents
GST certificate
PAN card
Insurance company registration/licence
Policy wordings and endorsements
Proof of prior student-insurance engagements
Financial statements or solvency certificate
Experience certificates from similar bids
OEM/underwriter authorizations (if applicable)
Bid security or EMD details (if specified in final terms)
Technical bid documents referencing policy terms, coverage limits, and claim process
Frequently Asked Questions
Key insights about JAMMU AND KASHMIR tender market
How to bid for student accident insurance tender in Baramulla JK 2026
Bidders must be licensed insurers, provide policy wordings, endorsements, and prior experience in student group insurance. Attach GST, PAN, solvency proof, and client references. The tender specifies an estimated value of ₹70,000; ensure premium quotes align with this scope and include activation timelines.
What documents are required for JK Higher Education student insurance bid
Submit GST certificate, PAN card, insurer registration, policy wordings, endorsements, client references for similar work, financial statements, and bid security if demanded. Include insurer license and authority to underwrite student accident policies, plus any EMD details per final terms.
What are the technical specifications for student accident coverage in JK
Coverage includes accidental death, permanent total disability, and permanent partial disability. No natural death coverage. Provide clear policy limits, beneficiary terms, and claims process. Confirm if riders or add-ons are allowed and ensure alignment with government guidelines for student insurance.
When is activation expected for Baramulla student insurance bid 2026
Exact activation date is not specified; bidders should propose immediate activation upon award and provide a transition plan. Ensure timely premium payment and seamless policy issuance to cover enrolled students in Baramulla district.
What are the payment terms for the JK student accident insurance contract
Payment terms are not detailed; bidders must propose premium payment cadence, suspension conditions, and settlement timelines. Include any upfront premium requirements and frequency (monthly/quarterly/annual) as per approved government norms.
What is the scope of quantity adjustment in this tender in JK
Buyer may adjust contract quantity or duration up to 25% at the time of issue and after award, respectively. Plan pricing to accommodate potential increase or decrease, and confirm any impacts on premium rates or policy coverage with the department.
Which standards or endorsements are required for JK student accident insurance
Standards are not specified; bidders should submit policy wordings, endorsements, and insurer credentials. Ensure compliance with government insurance procurement practices and provide rider details, beneficiary definitions, and claim settlement procedures.
What documents prove eligibility for the Baramulla insurance bid
Eligibility requires valid insurer registration, prior government or educational institution client references, GST and PAN, financial solvency proof, and policy wordings. Include experience certificates showing successful student-insurance deployments and regulatory compliance.