Claria

What Claria does

Claria Life and Health Insurance Company is a privately held international health and life insurer founded in 1996 and domiciled in Barbados. The company underwrites US dollar-denominated medical insurance plans marketed under the names Sky, Sun, Star, Mundial, and Group Plans, serving individuals, families, travelers, expatriates, and corporate clients across Latin America, the Caribbean, and worldwide. It operates in 45 countries with member coverage extending to over 130 countries, and sources its global provider network through a partnership with MultiPlan/PHCS, granting members access to approximately 900,000 contracted healthcare providers.

The company's technology stack is a conventional international health insurance platform consisting of online quote generation, online premium payment processing (with disclosed terms including a 4% American Express surcharge), and digital claims submission, supplemented by a licensed-agent distribution channel with a dedicated recruitment page and agents portal. Underwriting, claims, cost control, and customer service are executed by Global Assurance Group in Miami, Florida, under a 29-year exclusive administration agreement. Reinsurance capacity is supplied by AXA and QBE Insurance Group (both A+ rated or equivalent), enabling cross-border underwriting without requiring Claria to carry full risk.

Revenue is generated through recurring annual insurance premiums on a subscription basis, with no public pricing disclosure — quotes are produced per-customer via agents or the online quote tool. Go-to-market is a hybrid agent-led and direct-online model, with a deliberate segmentation across individual, family, travel/expat, and corporate group lines. The company has no disclosed funding rounds, no parent organization, and no venture or institutional ownership identified in the source material, consistent with a long-lived, founder-controlled private insurer.

Name

Claria

Legal name

Claria Life and Health Insurance Company

Website

https://claria.us

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

11–50 employees

Short description

Claria Life and Health Insurance Company is a Barbados-domiciled international health insurer (founded 1996) that underwrites US dollar-denominated plans for individuals, families, travelers, expatriates, and corporate clients across 45 operating countries, using licensed agents, an exclusive administrator (Global Assurance Group), and the MultiPlan/PHCS global provider network.

Ownership category

akta.pro rank

Product category

International Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114), Direct Life Insurance Carriers (524113), Direct Life, Health, and Medical Insurance Carriers (52411), Insurance Agencies and Brokerages (524210)

SIC

Accident & Health Insurance (6321), Life Insurance (6311), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

International/Expatriate Individual Health Insurance (FSAIAEAH)

akta.pro secondary industries

International / Expatriate Group Health Plans (FSAIAFAJ), International/Expat Critical Illness & Hospital Indemnity (FSAIAKAJ), Group Term Life Insurance (FSAIAAAJ)

Keywords

• International health insurance
• Life insurance plans
• Group health coverage
• Medical insurance services
• Travel health coverage

Headquarters

HQ city

North Miami Beach

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: Recurring insurance premiums from health and life insurance policies. Customers pay regular premiums for international health coverage with US dollar policies.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels2 records

Core offering

Claria Life and Health Insurance Company is an international insurance provider offering US dollar-denominated health and life insurance plans (Sky, Sun, Star, Mundial, and Group Plans) for individuals, families, travelers, and corporate clients across Latin America, the Caribbean, and 130+ countries. Members gain access to approximately 900,000 healthcare providers worldwide through the MultiPlan/PHCS network. The company distributes through licensed insurance agents and online services including quote requests, premium payments, and claims submission.

Product overview

Claria is an international life and health insurance company offering a portfolio of named insurance plans (Sky, Sun, Star, Mundial, and Group Plans) that provide US dollar-denominated medical coverage across 45 countries in Latin America, the Caribbean, and worldwide. The company's core products are supplemented by service features including a provider network (Freedom To Choose with MultiPlan/PHCS access to approximately 900,000 healthcare providers), online payment processing, claims submission, and an online quote tool. The offerings are designed for individuals, families, and corporate clients seeking international health coverage with global provider access.

Differentiator

Problem solved

Functional benefit

Brands

• Sky: International health insurance plan offering comprehensive medical coverage.
• Sun
• Star
• Mundial
• Group Plans

Products and services

• Sky International health insurance plan offering comprehensive medical coverage for individuals and families.
• Sun International health insurance plan with broad global coverage and access to medical provider networks.
• Star International health insurance plan providing coverage across Latin America, Caribbean, and worldwide destinations.
• Mundial Global health insurance plan offering worldwide medical coverage and access to international provider networks.
• Group Plans Corporate health insurance solutions designed for businesses and organizations with international employees.

Named customers3 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered core and minor.

• Global Assurance GroupcoreImplementation/ SI/ Consulting PartnerGlobal Assurance Group has been an administrator for 29 years and is the exclusive administrator for Claria Life and Health Insurance Company. With offices in Miami, Florida, Global Assurance Group is dedicated to international life insurance, health insurance and reinsurance, focusing on prompt underwriting, efficient claims processing, cost control measures and quality customer service.
• MultiPlan/PHCScoreTechnology or IntegrationMultiPlan provides Claria members access to approximately 900,000 healthcare providers through its PHCS network. Founded in 1980, MultiPlan is the most comprehensive provider of healthcare cost management solutions with nearly 68 million consumers accessing their network.
• AXAminorOthersAXA is a worldwide leader in insurance and asset management with 171,000 employees serving 105 million clients in 61 countries. AXA supports direct insurance, co-insurance or reinsurance for Claria.
• QBE Insurance GroupminorOthersQBE Insurance Group is one of the world's top 20 general insurance and reinsurance companies, with operations in all key insurance markets. Listed on Australian Securities Exchange, headquartered in Sydney with US $15 Billion in gross premiums, employing more than 14,500 people in 37 countries. QBE holds Standard and Poor's A+, Fitch Ratings A+, and A.M. Best Company A ratings.
• Assure-USminorChannel Partner/ Reseller/ DistributorAssure-US, a Florida property and casualty insurance agency established in 2001, serves the diverse community of South Florida representing top rated insurance companies. They offer Homeowners, Auto and Commercial insurance with a 95% persistency rate.

Scale indicators5 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• April International: Specialist international health and assistance provider for individuals, students, and expats, with strong LATAM and Caribbean reach. Directly comparable niche positioning to Claria in international individual and group plans.
• Now Health International: Specialist international health insurer focused on individuals, families, and SMEs in Asia, the Middle East, and Latin America. Closely comparable in scale, product structure, and digital distribution model to Claria.
• IMG (International Medical Group): US-based international health and travel insurance provider serving individuals, expats, and groups worldwide. Directly comparable to Claria in target market and product design (including short-term and renewable health plans).
• Bupa Global: Specialist international health insurer serving individuals, families, and corporate clients with USD and multi-currency policies. Closest direct peer to Claria in terms of product offering and target expatriate/customer segment.
• GeoBlue (Blue Cross Blue Shield Global): US-rooted international health and travel medical insurer for expatriates, students, and global travelers. Comparable niche positioning to Claria with strong provider network access and USD-denominated products.

Broad incumbents

• Aetna International (CVS Health): International health benefits unit of CVS Health serving globally mobile employees and individuals. Competes with Claria in corporate expatriate health benefits with substantially greater scale and provider network depth.
• Allianz Care: International health and life insurer within Allianz Group serving expatriates and globally mobile employees. Overlaps with Claria's international individual and group plans with a much larger geographic footprint.
• AXA Global Healthcare: Global health insurance arm of AXA — already a Claria reinsurance partner — offering individual and corporate international health plans. Competes directly with Claria in expatriate and corporate segments while also providing capital backing.
• Cigna Global Health (Cigna Healthcare International): One of the world's largest international health insurers, offering expatriate and corporate health plans globally. Directly comparable to Claria's core product set but at vastly greater scale, with proprietary provider networks in 200+ countries.

Emerging players

• William Russell: International health, life, and income protection insurer serving expatriates across 160+ countries. Smaller, niche competitor to Claria in international individual and family plans, with comparable product breadth.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Claria