Your partner for Self-Insurance and Alternative Risk Transfer


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Our plans collectively provide benefits to over 17,000 employees in several local and multinational companies in the banking, telecommunications, education and energy sectors. We also have the support of our parent company, Agostini Insurance Brokers Limited (AIB), and our expertise coupled with state-of-the-art computer software ensures that claims are managed and processed en masse with quality assured.

We provide payment of claims in 24 hours and our members have the option of receiving payments directly to their bank accounts through an Electronic Funds Transfer.

Plan members have access to our Provider Network, which currently enlists several local general practitioners and institutions such as hospitals, pharmacies and optical houses to name a few. We also provide advice and assistance in the event of a medical emergency overseas through our International Manage Care Partners.

We are more than willing to address your concerns and providing you with accurate and timely feedback is our priority. Our success at Cardea is dependent on our team which has a wealth of experience and knowledge in the world of finance and insurance. Managing Director, Edison Raphael (F.L.M.I) has over twenty-five (25) years experience in Employee Benefits and Supervisor, Paulesca Romany-Fournillier has been in the insurance industry for the last thirteen (13) years.
We also have a team of claims adjusters with over twenty (20) years experience among them.