What I do for institutions and individuals across borders.
International health insurance is rarely the simple matter it appears to be. The right policy depends on jurisdictions, family situations, mobility patterns, life stages, and risk profiles that no off-the-shelf solution captures. My work is to find the right fit, and to make sure it keeps fitting through career changes, retirement, children growing up, students leaving home, families reuniting across borders.
A practice built for the full life cycle of international coverage.
I advise institutions and individuals on health insurance solutions designed for international life. But the work rarely stops at signing a contract. Lives evolve. Children grow up. Careers change. Retirement arrives. Family members travel. Each of these moments creates a gap, or a transition, that a standard policy cannot anticipate.
Bridging those gaps is most of what I do.
The areas I work on most:
- Group health insurance for diplomatic missions, international organisations, and institutional employers.
- Individual and family coverage for expatriates, executives, and international consultants, including bespoke arrangements for complex family situations.
- Continuity solutions when employees retire, when children age out of parental coverage, or when a family member transitions from one status to another. These are rarely standard cases. They are what I solve every week.
- Student health coverage for young adults studying abroad, including policies that meet visa and university requirements in the United States, the United Kingdom, the Schengen area, and beyond.
- Travel and short-term health coverage for visiting family members, often required by Schengen and other visa authorities.
- Claims advisory and dispute resolution when policies are tested by real-world events.
- Policy review and renewal management for clients seeking continuity rather than constant change.
A four-step approach to every engagement.
Whether the client is a mission, an organisation, or an individual family, my method follows the same logic. Speed serves no one in this work; clarity does.
1. Listen and analyse.
Before any quote, I take the time to understand the client’s situation: who is to be covered, where they live, where they travel, what risks matter to them, what coverage they already have, and what they truly need. The wrong question at the start is the most expensive mistake in this profession.
2. Source and compare.
I work with established international insurers and specialist underwriters. I do not represent a single company. I represent the client, and I bring back two or three options that genuinely fit, with the trade-offs explained in plain language.
3. Negotiate and structure.
The published rate is rarely the final rate. For institutional clients especially, terms can be negotiated, exclusions reviewed, and additional benefits secured. I handle this directly with underwriters, and I bring the result back for your decision.
4. Stay present after the signature.
Most brokers disappear once the contract is signed. I do the opposite. Renewals, claims, contract changes, adding or removing covered persons. These are not afterthoughts. They are where I add the most value.
Three types of clients, one standard of service.
The bulk of my work is with three audiences:
- Diplomatic missions and embassies based in Geneva, seeking coverage for their staff and families across postings.
- International organisations, NGOs, and institutional employers needing group coverage that adapts to expatriate mobility.
- Individual professionals (executives, consultants, international civil servants) whose careers cross borders and whose insurance must follow.
What unites them is not a sector. It is a working culture: discretion, attention to detail, and a need for an advisor who reads contracts before events make reading them necessary.
What sets this practice apart.
Health insurance brokerages exist by the thousands. What distinguishes this one is not its size, which is small by design, nor its product range, which is shared with most independent brokers. What distinguishes it is four commitments I refuse to dilute.
Direct accountability.
Every file I open, I close. There is no junior account manager between you and me. When you call, I answer. When you email, I read.
Continuity through life stages.
I follow my clients across the moments that matter: a child leaving home for university abroad, a young adult transitioning from a parent’s coverage to their own at 25, an employee retiring from a group plan, a family member visiting from another country. These are not optional services. They are the practice itself.
Long-term presence.
I do not measure my work in transactions. I measure it in client relationships that last a decade or more. Most of my current clients have been with me since I started this practice in 2019. Several since long before.
Linguistic and cultural fluency.
I work in Portuguese, French, and English. I navigate institutional Geneva, lusophone Africa, and European business culture with equal ease. For clients whose lives cross those worlds, this is not decoration. It is operating capacity.
Ready to discuss your situation?
Whether you are mapping out coverage for an institution, reviewing an existing contract, or thinking through your family’s protection across borders, the conversation begins the same way: with a careful listen.