If this is you.

Families

You live outside the country on your passport.

A local plan — Thai social security, a French mutuelle, a UK GP list — stops at the border. International private medical does not. We compare the panel, explain the wording in English, place the plan, and stay on the claim when the hospital is not at home.

• A structured comparison — not a public rate engine
• Area of cover, deductible, and optional benefits explained before you bind
• Nomi for policy questions on WhatsApp. A person for the judgement calls.

Employers

Your people are not in one country, on one plan, in one file.

A domestic firm will improvise. We build the benefit architecture: which tiers, which countries, which insurer — then we run joiners, leavers, renewals and claims so HR is not the insurance department.

• Programme design — not a group quote in a spreadsheet
• Tiers that match the workforce and the budget
• Renewal starts with why the premium moved, not a last-minute market exercise

Also: Multi-country workforces · Travel & A&H for business travellers · Employee benefits consulting

PEO & EOR

Health benefits that sit inside what you already sell.

Your clients need cover for people who are not all employees, not all in one country, and not all on the same contract. We design the programme, place it, and administer it. You keep the client relationship. We keep the insurance from becoming your operations problem.

• Built to sit inside your offering and scale with the client base
• A contractor line that is actually portable — not an employee plan with the name changed
• White-label ready: your clients, your brand, our infrastructure

Also: Coverage across 120+ countries under one programme · Parallel employee and contractor structures

NGOs

Medical, security and evacuation have to be one activation.

A standard group scheme is built for an office. Field teams are not. We design cover for hardship, conflict, and remote postings — health, security, and medical and non-medical evacuation on one programme, one point of contact.

• Hardship and conflict-zone cover with evacuation in the same activation
• Duty of care designed in — not a rider added after a near-miss
• We stay on the file after the movement. The insurer still decides.

Also: Non-medical evacuation · Short-term deployment cover · Multi-country structures

Schools & missions

Premiums go up every year. Switching insurers does not fix why.

International schools and embassies are high-claims environments. The usual move is to go to market, take a discount, and repeat. Nobody is paid to ask why utilisation is high. We are. Root cause first. Insurer second.

• Claims and utilisation analysis before we approach a panel
• A programme that changes the risk profile — not just the premium for twelve months
• A longer insurer relationship, not an annual switch

Also: Diplomatic eligibility · Multi-nationality staff · Duty-of-care for postings

MGA / capacity

Capacity, structure, and someone who has launched this before.

Delegated authority is not a pitch deck. It is an insurer relationship, a regulatory shape, and operations that survive the first claim. We have designed and launched MGA structures in international health and travel. We can do that work — or open the right door to capacity.

• MGA / MGU design from concept through operational launch
• The right capacity partner for the product — not the easiest relationship
• Market access for new entrants: pricing, suitability, introduction