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Cardea Benefits Limited


Are you ready to implement a high-efficiency health plan? We are a third-party administration company providing outsourcing solutions to self-insured health plans. Today, you need a benefits administrator that truly watches your bottom line, while ensuring your members gain access to the best care. Cardea Benefits Limited is that partner. We provide high-quality, market-leading, custom healthcare benefit solutions that deliver a high return on investment through integrated services, technology and processes. Our innovative solutions include:

  • Custom benefit plans.
  • Fast and efficient automated claims processing.
  • Access to local and International provider networks.
  • Worldwide emergency assistance 24/7, 365 days a year.
  • Stop-loss coverage arrangements.
  • Quality customer service for our clients, by providing tools and support that promote better decisions.
  • Healthcare system navigation to help locate the right specialists, surgeons, diagnostic and other specialised health services for out-of-country medical treatment.

Featured Services

  • Health insurance underwriting.
  • Analyse risk in insurance proposals.
  • Calculate premiums on the basis of actuarial, statistical and background information.
  • Medical underwriting assessing the risk associated with providing health insurance coverage.

Determine policy terms.

  • Fast and efficient adjudication of claims.
  • Payment of claims within 24 hours of receiving a claim form.
  • Access to a local Provider Network and worldwide emergency assistance.
  • Actuarial and underwriting services for placement of reinsurance coverage and eligibility requirement.
  • Cost containment measures to enhance the saving potential on every claim. This would help contain future plan losses.
  • Responsive, high-quality account management in dealing with special requests, data needs and unique claim solutions.
Edison Raphael – Managing Director, Cardea Benefits Limited

Edison Raphael

Managing Director

Paulesca Romany – Manager, Claims, Cardea Benefits Limited

Paulesca Romany-Fournillier

Manager - Claims

Kerel Warrick – Manager,Client Services, Cardea Benefits Limited

Kerel Warrick

Manager - Client Services

Anil Joseph – Team Leader, Cardea Benefits Limited

Anil Joseph

Team Leader