We are a Modern Benefits Broker and provide Dedicated Corporate group International Health Insurance Service for Companies.
Let us help you apply our broad experience from providing benefits to a wide range of industries, including Oil and Gas, Mining & Exploration, Marine, Telecommunications, Financial, Legal, Manufacturing and International Schools.
Our experience advisors help you create the best group international medical and benefits package for your international medical needs.
We work with trusted providers to ensure your corporate group health insurance provides great value and prompt support.
Unlike traditional brokers, we can help with more than just benefits. Ask about American, Bupa, Cigna or Metlife internation group health insurance.
BrokerFish takes a collaborative partner approach with our clients, customizing individual solutions to their servicing and coverage needs. Each company is unique and we help tailor an insurance solution to their specific needs.
BrokerFish is not an insurance broker, but your business partner. Our account management empowers your HR team by automating Employers HR functions. We remove the HR paperwork via Cloud-based HR software, which Frees and helps you connect existing and new providers.
Our technology and team of dedicated professionals conveys trust and peace of mind. You can manage all your HR in one place, creating less work for you - Easier for Employers and Easier for Employees.
BrokerFish is committed to you. See how we can modernize your business.
Many companies have limited overseas operations, and a Non‐ Admitted health insurance and Employee Benefits program is an effective vehicle for providing comprehensive international coverage. For Non‐Admitted program, coverage is provided solely by non‐admitted policies issued to the Parent company; no local policies are arranged in the operating country unless this is a specific local legal requirement to comply with local immigration regulations.
Another option for some international companies is to opt for a fully admitted Local Program. In the Local Program, the manager of each of the company’s foreign subsidiaries buys insurance coverage in the local market; usually through an independent local broker.
Many multinational employers choose a hybrid of the two, taking both Non‐Admitted and Local programs. A common hybrid is to allow the overseas HR manager to purchase local policies in the local market for its local nationals. The head office risk manager then purchases a Non‐Admitted Excess/Difference in Conditions policy to plug any gaps in the local policies and bring coverage up to global standards.
A more sophisticated approach is to implement a Master Program. A Master policy would be issued at the Parent company level that outlines the terms and conditions that apply to all international operations. Local policies are issued where appropriate by the overseas office of the same insurer, at the request of their head office underwriter. These local policies serve to satisfy local legal requirements, provide access to local medical providers, facilitate foreign premium/tax/loss payments and provide a vehicle for overall account servicing.
Kudos to you guys for taking steps to make insurance a more bearable user experience :]PHILIP, Start-up Co-founder, CHINA