For insurers and partners
CareBridge is a Third Party Administrator (TPA) — the operator that runs a programme day to day on behalf of the insurer. We run the digital administration behind insurer-backed, fixed-benefit protection for migrant workers and their named dependants, including bordereaux (the periodic member, premium and claims schedules an insurer needs to account for a programme), so an insurer partner can bring capacity to this market without building the operations.
Why partner with CareBridge
We provide the operational layer so an insurer partner can extend fixed-benefit cover to migrant worker corridors without building bespoke enrolment, dependant and claims infrastructure from scratch.
Member records
A single, structured record of every covered worker across a programme.
Dependant registration
Named dependants captured and maintained against each member.
Claims intake
Digital first-notification and document collection for covered events.
Bordereaux and reporting
Programme reporting and bordereaux prepared for the insurer partner.
Who does what
Insurer partner
- Provides the cover and carries the insurance risk.
- Sets the terms, benefits and pricing frameworks.
- Issues the policy under the programme.
CareBridge
- Administers enrolment, payments, claims support and reporting.
- Never carries the risk and never issues the policy.
- Maintains member and dependant records and prepares bordereaux.
How the data moves
A single administration layer sits between the insurer partner and covered members — structured records in, structured reporting out.
Insurer partner
Underwrites the programme, sets terms and benefits, carries the risk.
CareBridge platform
Structured member and dependant records, claims intake, bordereaux, API and file exports.
Members and dependants
Enrolled workers and named dependants covered under the programme.
A structure built for accountability
worker-origin corridors the programme is designed for
core administration modules in the CareBridge platform
of insurance risk held by CareBridge — risk sits with the insurer partner
Explore a programme with CareBridge
We are speaking with insurers and reinsurers about bringing capacity to migrant worker protection. If that is you, we would like to talk.