ASN

What ASN does

ASN, Advisory Services Network AG, is a privately held Swiss international insurance broker headquartered in Zurich, with secondary registrations in Liechtenstein and London. Founded in 1991 as a specialized division of Swiss Life and operating independently since 1995, the company brokers international health, life, disability, income protection, and travel insurance on behalf of expatriates, globally mobile professionals, digital nomads, HNWIs, families, and corporate clients with internationally mobile employees. The company cites more than 55,000 private clients served, alongside 150 family offices and 250 corporate clients across more than 125 countries, and reports a 98% client renewal rate.

The core product portfolio spans individual cover (international health, life, disability, income protection, and travel up to 11 months) and corporate offerings (international employee benefits, multinational pooling and virtual pooling, business travel, international pension solutions). Underlying this portfolio, ASN operates ASN-WEB, a proprietary platform for worldwide employee benefits management with an Aggregated EB Dashboard that supports data aggregation, pooling setup, monitoring, and reporting for corporate clients. Distribution centers on multilingual personal consultants (German, French, Italian, English, Spanish) who provide face-to-face, phone, and email-based advisory, complemented by a website-driven self-serve inquiry flow, a partner/broker network of family offices and intermediaries, and digital channels including SEO, content marketing, email newsletters, and social media on LinkedIn, Facebook, and YouTube.

The revenue model is commission-based insurance brokerage: ASN receives commissions from selected insurance partners including Bupa Global (which absorbed IHI in 2006), Cigna, NOW Health, and GHI, and these commissions are embedded in the standard insurance premium so that customers pay the same price whether or not they use ASN. Services are free to customers; deductibles range from USD $0 to $50,000 per person annually, and premium payment cadences include monthly, quarterly, bi-annual, and annual (with annual typically discounted). Other revenue-adjacent levers include priority-partner service enhancements (1-hour Guarantee of Payment, 5-day claims processing, under-24-hour underwriting) and a free vesting agreement that allows policy transfers without health checks. Ownership remains with founders/management, with Pascal Fanti serving as Managing Director and President of the Board, Etienne Bernath as Vice President, and Otto Bitterli as a board member; no external institutional investors or parent company are disclosed.

Name

ASN

Legal name

ASN, Advisory Services Network AG

Website

https://asn-insurance.com

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

11–50 employees

Short description

ASN is a Swiss-based independent international insurance broker placing health, life, disability, income protection, and travel cover for expatriates, globally mobile professionals, HNWIs, and corporate clients across 125+ countries via its ASN-WEB platform and partner insurer panel.

Ownership category

akta.pro rank

Headquarters

HQ city

Zürich

HQ country

Switzerland

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Insurance Brokerage Commissions: ASN earns commissions from insurance providers for policies placed. The commission is built into the standard insurance premium, meaning customers pay the same whether they use ASN or go directly to the insurer. ASN is a commission-based broker working with selected insurance partners including Bupa, Cigna, IHI, NOW Health, and GHI.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels7 records

Core offering

ASN is an independent Swiss insurance broker that intermediates international health, life, disability, income protection, and travel insurance policies from leading global insurers (Bupa, Cigna, IHI, NOW Health, GHI) for private clients such as expatriates, digital nomads, HNWIs, and travelers, and for corporate clients with internationally mobile employees. The firm earns commissions from insurers while providing free multilingual advisory and claims support, complemented by its proprietary ASN-WEB platform for worldwide employee benefits pooling and reporting.

Product overview

ASN, Advisory Services Network AG, is a Swiss-based international insurance broker offering a comprehensive portfolio of insurance products and services for private clients (expatriates, digital nomads, HNWIs, travelers) and corporate clients (multinational companies). The core product lineup includes International Health Insurance, Life Insurance, Disability Insurance, Income Protection Insurance, and Travel Insurance. The company operates ASN-WEB, a proprietary platform for worldwide employee benefits management with tools for data collection, optimization, and virtual pooling. ASN positions itself as a priority partner with major global insurers (Bupa, Cigna, IHI, NOW Health) offering exclusive services including expedited claims processing and priority underwriting. Services are provided through a network of multilingual consultants across Switzerland, the UK, and globally.

Differentiator

Problem solved

Functional benefit

Products and services

• International Health Insurance Comprehensive private medical insurance providing mobile worldwide coverage for expatriates, travelers, digital nomads, and individuals without permanent residence, covering routine check-ups, in-patient and out-patient treatment, dental, vision, pregnancy, chronic disease treatment, and rehabilitation.
• Life Insurance Financial protection product covering costs associated with death, providing support to beneficiaries, with options for terminal illness coverage, accidental death benefits, and joint life policies for couples.
• Disability Insurance Income protection insurance providing worldwide coverage in case of illness or disability, typically offering benefits until age 70 for accidental death.
• Income Protection Insurance Insurance product that secures policyholders' income in case of illness or injury, providing financial stability during unable-to-work periods.
• Travel Insurance Short-term insurance covering medical and dental emergencies, lost luggage, missed flights, and unexpected travel changes, limited to travel periods up to 11 months.
• ASN-WEB Worldwide Employee Benefits Holistic platform helping companies gain control over global employee benefits management with data collection, optimization, and virtual pooling capabilities across multiple countries.
• Business Travel Insurance Insurance solutions for corporate clients covering employees on business trips, providing comprehensive protection during international travel.
• International Pension Solutions Sophisticated pension plans for employees requiring international retirement solutions, part of corporate employee benefits consulting.
• Virtual Pooling Services Service managing multinational pooling arrangements for corporate employee benefit plans, with creation, management, and reporting handled through the Aggregated EB Dashboard.
• International Health Insurance for Sanitas Clients Specialized international health insurance product developed in partnership with Sanitas for clients requiring cross-border coverage.

Quantifiable outcome

• 98% client contract renewal rate
• +3 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Bupa GlobalcoreStrategic or Co-development PartnerASN has a priority partnership with Bupa Global, one of the world's largest health insurance providers. IHI (International Health Insurance), which has been part of Bupa Global since 2006, co-created the first international health insurance plan on the market to a Swiss standard with ASN in 1996. Bupa Global provides the insurance products that ASN brokers to clients.
• CignacoreStrategic or Co-development PartnerASN partners with Cigna, a major global health insurance provider, to offer international insurance solutions to clients. Cigna is one of the key insurance partners alongside Bupa, GHI, and NOW Health.
• IHI Danmark (now Bupa Global)coreStrategic or Co-development PartnerASN and IHI Danmark a/s co-created the product 'International Swiss Medical' in the early days. IHI became part of Bupa Global in 2006, continuing the partnership through Bupa Global.
• NOW HealthcoreStrategic or Co-development PartnerASN partners with NOW Health, a global health insurance provider, offering international insurance solutions alongside other major providers like Bupa, Cigna, and GHI.
• GHIcoreStrategic or Co-development PartnerASN partners with GHI (Global Health Insurance) as one of the core insurance providers for international health insurance solutions offered to clients.
• SanitasminorChannel Partner/ Reseller/ DistributorASN offers international health insurance products specifically designed for Sanitas clients, as indicated in the documents downloads section.

Scale indicators5 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Pacific Prime: Hong Kong-based international insurance broker specializing in health, life, and employee benefits for expatriates and corporates across Asia and globally. Direct competitor to ASN's private-client and corporate expat book with similar multi-carrier brokerage model.
• APRIL International: International health insurance provider and broker serving expatriates, students, and globally mobile individuals across multiple continents. Closely comparable to ASN in target customer, product mix (health, life, disability), and multi-country distribution model.
• International Citizens Insurance: US-headquartered broker focused on international health, travel, and life insurance for expatriates and global nomads. Comparable to ASN in expat customer segment, multi-carrier brokerage approach, and digital-plus-advisor GTM.
• Holloway Friendly / Holloway Global: UK-based specialist in income protection and group employee benefits, with international capabilities. Comparable to ASN in disability/income-protection focus and corporate employee-benefits consulting.
• GeoBlue: US-anchored international health insurance and assistance provider for expatriates, travelers, and globally mobile employees. Overlaps ASN's expat health, travel, and corporate-assignment insurance offerings.

Broad incumbents

• Cigna Global Health: One of the world's largest international PMI providers and a current ASN carrier partner. Serves the same expat and multinational corporate segment directly, making it both a partner and competitor depending on distribution channel.
• Bupa Global: Major international health insurer and ASN's longest-standing priority partner (through IHI). Competes with ASN when customers buy direct, while simultaneously supplying ASN's brokered product set.
• Allianz Care: Global health and life insurer serving expatriates, students, and corporate clients worldwide. Comparable to ASN in international health coverage, though Allianz Care also underwrites risk rather than relying solely on brokerage.
• Aetna International (CVS Health): International health and benefits provider serving globally mobile employees and individuals. Comparable to ASN's corporate expat and multinational employee-benefits segment, but operating at significantly greater scale.

Emerging players

• Now Health International: Hong Kong/Dubai-based international PMI provider and ASN carrier partner. Targets the same expat and SME corporate segment with direct and broker channels; smaller scale than Bupa/Cigna but increasingly competitive on price and digital UX.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCrSj1oxjBQK7SDS-UuDe4ig
• Facebookfacebook.com/asninsurance
• LinkedInlinkedin.com/company/asn-ag

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about ASN