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While global benefit programmes are highly flexible, there are some limiting factors:

• Some countries have very restrictive insurance markets or regulatory requirements that may impose local entity cover only
• Very small headcounts in one jurisdiction may make local + global layering inefficient
• Extremely high-risk locations (e.g. sanctioned countries, high-security risk, uninsurable terrain) may have limited insurer options

We will always flag these issues early and either propose work-arounds or advise where purely local cover may make more sense.

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Yes!
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One of our key strengths is designing hybrid strategies combining:

• Local statutory benefits (where required)
• Global umbrella cover (for mobile, remote or expatriate employees)

This approach allows for compliance locally while delivering consistency and portability globally, and often delivering cost savings and improved experience.

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Our solutions are designed to scale. We build in flexibility so you can:

• Add new employees or geographies without redesigning the entire plan
• Extend coverage to new jurisdictions (we have relationships with global insurers covering most countries)
• Adjust cover levels or contributions over time as your business evolves

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No problem.

We can undertake a free audit of your existing global benefit arrangements:

• Identify any overlaps, gaps or inefficiencies
• benchmark cost vs market standards
• Propose alternative options or optimisations

Even if you don’t switch providers immediately, the audit gives you market insight and negotiation power.

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As a broker, we operate on a transparent fee or commission basis (which we will disclose up front).

We aim for alignment of interests, our incentive is to deliver the best value and service for you, not to promote a specific product.

We will outline all fees and any potential conflict of interest at the outset.

We remain your ongoing partner.

Our role includes:

• Managing renewals (market review, negotiation)
• Monitoring service levels of insurers and vendors
• Advising on changes (workforce mobility, country entry/exit, benefit enhancements)
• Periodic employee communication refresh
• Responding to emerging global risks (health crises, regulation changes, country risk)

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Getting started is simple:

1. Book a free initial consultation with us (no obligation)
2. We’ll review your current benefit landscape and workforce map
3. We’ll prepare a high-level benchmarking and gap-analysis report
4. We’ll propose next steps (solution design, quote, rollout)

We’ll guide you through the process step-by-step.

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We provide management information including:

• Employee enrolment and participation by country / plan type
• Premium spend and cost per employee trends
• Caims utilisation / high-cost claims / network leakage
• Benchmarking data vs peer group or industry standard
• Renewal projections and strategic recommendations

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Mobility is inherent in global benefit programmes.

We handle:

• Relocation or reassignment of employee coverage to a new host country (and adjust benefits as required)
• Repatriation of cover to home country or switching local entity plan
• Terminating or adjusting coverage when an employee leaves the company or becomes local-only
  We aim to make transitions smooth and transparent for both employer and employee.

Absolutely!
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We have experience with companies whose workforce is:

• Permanently remote (employees living in many countries)
• Mobile (frequent travel, nomadic lifestyle)
• A mix of local hires, expats, short-term assignees

We design cover that is flexible, portable and meets your employees wherever they are, while still controlling cost, service and compliance.

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We provide a full service for employee onboarding and ongoing support:

• Pre-enrolment communications (plan summaries, FAQs, webinars)
• Online enrolment portals or delegation to HR as needed
• Multilingual employee support materials and helplines
• Claims, eligibility, policy documentation support globally
• Periodic programme reviews, employee satisfaction surveys, renewal communications

When selecting insurers and platforms we evaluate:

• Their global provider networks (hospitals, clinics, telemedicine) and local accessibility in every relevant country
• Claims turnaround times, pre-authorisation procedures, case-management services
• Employee assistance / relocation or evacuation services for high-risk jurisdictions
• Multilingual customer service and support for globally-mobile employees
• Service level agreements, reporting metrics and continuous improvement monitoring
  We hold the insurer accountable on service—not just price.

Yes!
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Offering benefits internationally can trigger a range of local issues (labour law, tax reporting, mandatory cover, work-permit/visa implications).
That’s one of the areas we assist with.

We help you:

• Identify local mandatory benefit exposures in host countries
• Map the tax implications for employees (and the employer)
• Design benefit architecture that respects local laws (either via local entity plans, global umbrella plans, or hybrid structures)
• Coordinate with local counsel / mobility / tax advisors as needed

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Costs depend on multiple factors, for example:

• The number of employees and their geographic distribution (home base + host countries)
• The level of cover requested (e.g., full inpatient & outpatient globally vs limited cover)
• The inclusion (or exclusion) of higher-cost jurisdictions (for instance, the USA often increases cost significantly)
• Employee demographics (age, medical history, job category)
• Whether local statutory or mandatory benefit obligations apply in host countries
• Whether the plan is layered (local plus global) or single global plan

As a broker, we provide transparent modelling and help you understand how changes in cover, location or employee contribution will impact cost.

Our typical process is:

1. Discovery & data-gathering – we work with you to map your workforce (locations, roles, visa status, current cover), understand your budget and strategic priorities.
2. Market analysis & benchmarking – we review what you currently offer vs what the market offers globally, including cost, cover levels, insurer strength, service standards.
3. Solution design & quoting – we present one or more tailored options (cover architecture, insurers, employee contribution strategy, local vs global layering).
4. Implementation & roll-out – we coordinate the onboarding of employees, communications, enrolment processes, policy documentation across countries.
5. Ongoing management – we monitor utilisation, claims trends, renewal strategy, regulatory changes, and reset the programme annually or as needed.

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We support a broad range of benefit types, including but not limited to:

• Global medical / health insurance (inpatient, outpatient, evacuation, expatriate cover)
• Life insurance / accidental death & dismemberment (AD&D)
• Long-term disability / income protection
• Retirement / pension solutions (global mobility & local entity)
• Wellness & ancillary benefits (dental, vision, mental-health, telemedicine)
• Employee assistance programmes & global well-being platforms

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Working via a specialist broker gives you several advantages:

• Unbiased comparison – we’re not tied to one insurer, so we can compare across insurers and platforms to find best-value and best fit.
• Global expertise – many insurers are strong regionally but lack full global reach or capabilities; we navigate that for you.
• Cost optimisation – we benchmark the market and help you negotiate better terms (premiums, underwriting, cover levels).
• Operational simplicity – centralised plan administration, employee onboarding, multilingual communications, renewal management.
• Compliance coverage – global benefit plans may trigger local regulatory issues (taxes, labour law, mandatory benefits); we help manage those risks.

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We support companies of any size—from Startups with remote employees in , through to larger organisations (1,000+ people) spread globally.
Whether you have:

• Remote-first teams working from anywhere
• Geographically mobile employees (digital nomads, expats, international assignees)
• Multiple local entities buying local benefit plans

We help pull those pieces together into a coherent global benefits strategy.

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We act as an independent broker and advisor specialising in designing, sourcing and managing global employee benefit programmes (health, life, disability, retirement) for organisations with distributed or mobile teams worldwide.

We:

• Analyse your current benefit architecture (including local / regional plans)
• Identify gaps, overlaps, compliance risk and cost-inefficiencies
• Compare multiple global insurers and benefit platforms to find the best fit
• Assist with onboarding, communications to employees, ongoing servicing and renewal negotiations
• Provide centralised policy management and reporting, simplifying what can otherwise be complex for multinational teams