Industry-leading expertise in Multinational Employee Benefits Solutions

A multinational policy lets you cover employees in multiple countries easily and more cost-effectively than maintaining separate local plans. It combines a global master policy with individual local policies in each country where your employees work. The master policy sets consistent core benefits and governance, while each local policy is tailored to meet that country’s legal requirements and provider networks. This dual structure ensures seamless coverage and full compliance without extra complexity. It is one global framework with clear local solutions, which are simple to manage, keep you compliant, while reducing cost through less complexity and streamlined administration.

Multi-national Pooling is a core tactic within the global benefits management framework. It is a risk-sharing arrangement whereby an employer groups together the insurance experience of multiple subsidiaries or countries into a single “pool”. Rather than each country’s claims and premiums standing alone, the insurer aggregates them, smoothing out spikes in high-claims markets with lower-claims ones. This structure helps stabilise premiums year-over-year, unlock volume discounts, and improve negotiating leverage with carriers. By leveraging pooling, you can achieve more predictable costs, stronger global rate guarantees, better underwriting terms and enhanced financial control over your multinational benefits programs.

A multinational, stand-alone pool generally requires a minimum premium volume or headcount. For smaller companies, a multi-employer pooling arrangement offers a way to access similar cost-saving and risk management benefits as offered by a multinational pool. A multi-employer pool brings together a diverse set of employers - often within similar industry or geographic region - under a single insurance vehicle. By aggregating their combined lives and premiums, participating companies achieve greater negotiating leverage with carriers, smoother claims volatility through broader risk diversification, and reduced per-member administrative fees. This structure can be particularly attractive to small, mid-sized employers that fall short of the entry thresholds for standalone pools yet still seek the cost savings and improved plan design that pooled arrangements can deliver.

Pan-European insurance is made possible by the “passporting” rights built into Solvency II (EU Directive 2009/138/EC). A Pan-European solution delivers consistent, cost-efficient benefits and single-rate underwriting across all 27 EU countries, covering both local and internationally mobile employees. It ensures full portability, streamlined administration, and uniform terms wherever your workforce operates. In a Pan-European Pool multiple EU entities - often subsidiaries of the same corporate group - combine their claims experience into a single risk pool. By aggregating data and premiums across borders, participants smooth out large claim fluctuations, gain stronger negotiating leverage, and benefit from lower overall costs.

An employee benefits captive is when a company sets up its own mini-insurance business to pay its employee health and welfare claims instead of using a regular insurer. This gives the company more control over costs, lets it keep any leftover profits, and provides clearer data on claims. Larger, multinational companies with predictable claims experience and healthy balance sheets are the most common candidates for an employee benefits captive. Because expertise in insurance, investment management, and compliance is important, companies should work with specialized advisors, like In2Matrix, to explore whether a captive solution is a good fit.

With deep expertise in global and local markets, our employee benefits consulting team partners with you to design, benchmark and implement bespoke benefits strategies. From plan design to regulatory compliance and project management, we ensure your programs align with corporate objectives, risk appetite and total-reward philosophy.

Our benchmarking service transforms your plan data into actionable insights by comparing design, costs and utilisation against industry peers. Using up-to-date survey results and analytics, we will identify over- or under-investment areas and validate your cost structure so that you can make data-driven decisions to optimise benefits spend and improve value to your employees.

Flexible benefits plans empower employees to tailor their own reward packages within a set budget, choosing from health coverages, retirement contributions, wellness allowances and lifestyle perks. This modular approach boosts engagement and perceived value by letting individuals align benefits with their personal needs, while you as employer maintain cost certainty and simplified budgeting through preset ‘credit pools’.

Our online solutions deliver a unified digital platform for seamless enrolment, eligibility verification, real-time benefits information and secure document access. By automating administrative workflows and offering self-service tools, the system reduces paperwork, minimises errors and provides your employees with instant visibility into their benefit choices and usage.

We handle the end-to-end administration of your benefits programs, including eligibility management, premium reconciliation, renewals coordination and vendor liaison. Our streamlined processes and dedicated support team ensure accurate data flow between carriers and your HR team, delivering reliability and freeing your HR staff to focus on other initiatives.

Proactive claims management monitors utilisation trends, reviews high cost cases and negotiates provider arrangements to control spend and maintain service quality. Whether operating through a captive or in partnership with carriers, our case-management experts provide timely support to employees, flag emerging cost drivers and implement cost-containment measures that preserve member satisfaction.

Through workshops and other trainings we give you and your HR team everything you need to master your multinational benefits program: from cover details and policy terms to local compliance, claims handling, and self-service platforms. We ensure every HR lead can confidently guide employees to access and maximise their benefits. This will keep your workforce knowledgeable, engaged, and empowered anywhere in the world.