Small Groups' Pool +50 Employees

For small- and medium sized multinational companies we have developed a special product called Multinational Aggregate Pooling System or MAPS

The Small Groups' Pool has been mainly producing positive results since its inception in the early 90's.

Multinational Aggregate Pooling System (MAPS)

The MAPS pool allows smaller multinational companies to share in the benefits from a pool. The claims experiences of a number of smaller companies are combined into one larger pool, spreading risk and providing economies of scale. In order to qualify, a company must have a group contract based on a minimum of 50 employees in more than one country.

Although a company is eligible for a stand-alone pooling agreement at 300 lives, a client can still opt for the Aggregate Pooling System if the number of employees in the pool lies between 300 and 1000. This gives a multinational the opportunity to benefit from the additional protection of the Aggregate Pooling System against adverse experience.

Settlement of Dividend:

• Annually
• Aggregate Share: the part of the positive balance used to compensate the negative pooling balances of other companies, including the stop loss premium

MAPS Results over the years