
More control. Greater impact. Global consistency.
If you’re looking for a smarter way to manage employee benefits, a captive solution could be the answer. More and more businesses are setting up their own insurance entity to fund and manage benefits—giving them more control, cost transparency, and the freedom to design benefits that truly work for their people.
What is a captive benefits solution?
Think of a captive as your own in-house insurer. Rather than paying premiums to third-party insurers, you pay into your own licensed insurance company—and use those funds to pay claims, your way.
It’s not just for the big players anymore. While multinational giants led the way, mid-sized businesses are now embracing captives as a powerful, scalable solution.
Why more businesses are going captive
Captives can fund a wide range of employee benefits—health, life, disability, even dental and vision—across multiple countries, all under one aligned strategy. That means consistency across borders and flexibility where it counts.

Why go captive?
Cost control & transparency
- Break free from traditional pricing models
- Retain underwriting profits and manage claims more efficiently
Custom-fit for your people
- Design benefits that reflect local needs
- Create wellness-first programmes with global alignment
Smarter global risk management
- Pool risk across borders to smooth out costs
- Centralised governance and better insights from unified reporting
You own your data
- Full visibility of claims trends
- Sharper strategies for cost containment and employee wellbeing
Boost your talent game
- Competitive, consistent benefits packages help you attract and keep top talent
Whether you’re scaling your self-funded health plan globally, or simply ready to gain more control and clarity—captive solutions can give you the edge.