Generali Osiguranje Montenegro AD

Generali Osiguranje Montenegro AD, a foreign-owned for-profit insurance company based in Podgorica, Montenegro, serves as a prime contractor providing global medical coverage and health insurance services exclusively to the U.S. Department of State's Bureau of European and Eurasian Affairs, with 98% of recent awards issued as delivery orders under a single multiple-award indefinite delivery contract (IDC) valued at $1.1 million.

The vendor operates entirely in the full-and-open competitive space with no set-aside designations across its federal footprint. Generali Osiguranje Montenegro AD delivers localized health insurance and medical coverage for U.S. government personnel and locally employed staff at the U.S. Embassy in Podgorica, performing work exclusively in Montenegro. Recent representative delivery orders include a $79,557.81 order (OY4 - Task Order 3, January 2026, February–May 2026 performance) for global medical coverage, a $77,356.69 order (OY4 - Task Order 1, August 2025, August–November 2025 performance), and a $75,041.43 order (OY3 - Task Order 1, August 2024, August–November 2024 performance). Individual task orders typically run three-month performance periods and range from approximately $35,000 to $77,000, with fixed-price pricing and economic price adjustment provisions.

Customer concentration is extreme. The Department of State Bureau of European and Eurasian Affairs accounts for 49 awards ($2.2 million combined potential value) and the Department of State US Embassy Podgorica holds 2 awards ($1.9 million combined potential value), together representing 100% of the portfolio. The vendor's total federal award footprint spans $4.1 million in combined potential value, with $2.3 million obligated (56% realization). Generali Osiguranje Montenegro AD holds three parent IDCs: Indefinite Delivery Contract SMJ19016D0001 (24 task orders, $697 thousand combined potential value), Indefinite Delivery Contract 19MJ1921D0001 (20 task orders, $1.2 million combined potential value), and Indefinite Delivery Contract SMJ19015D0001 (4 task orders, $106 thousand combined potential value).

Activity has been steady at roughly 4–5 awards per year from 2022 through 2025, with one award recorded in the opening months of 2026. The vendor holds a subcontracting position with Deloitte Consulting LLP on a May 2024 USAID Serbia Improving Public Procurement Project sub-award, representing 2% of the portfolio and the only non-State Department engagement visible in recent awards. Generali Osiguranje Montenegro AD's federal work is characterized by specialization in a single geographic market and a single customer agency, where the vendor functions as the sole local insurance provider supporting U.S. diplomatic operations in Montenegro.