Flexible, adaptive global guidance
With 6 decades of experience, we offer a pooling solution trusted by international companies around the world. Through reinsurance, the Redion EB Lifecycle Pooling solution brings the results of local and cross‑border group policies together in a single profit‑sharing account. It helps balance strong and weak years across policies—and when your pool performs well, you may receive a pooling dividend.
We're supported by leading global partnerships, including the collaboration between Generali and Swiss Life Global Solutions.Since May 2026, Generali Employee Benefits (GEB) Network and Swiss Life Network have worked together to create a stronger global offering under the brand Redion Employee Benefits.
Redion Employee Benefits offers two pooling solutions for multinational employers: Lifecycle Pooling (ex Generali Employee Benefits (GEB) Network) , a reinsurance-based solution, and Multinational Pooling (ex Swiss Life Network) , a non-reinsurance solution. Both options provide valuable ways to manage employee benefits across countries. Available features and services may vary depending on the solution you select.
We’ll help you choose the option that best supports your business and your people
* Access to medical claims dashboards may vary depending on the pooling solution you choose.
The Lifecycle Pool is designed for the main group benefits companies offer worldwide:
Coverage availability depends on local regulations and insurers.
The Lifecycle Pooling solution brings together two modes in a single, flexible approach:
Multiemployer pooling for smaller companies, and Standalone pooling for larger, more complex programs.
As your business grows or changes, your pooling mode can adapt—without signing a new agreement each time.
This mode brings together the experience of several companies to create a more stable, predictable pool. It’s ideal for smaller groups that may be more affected by claim volatility or don’t yet meet the thresholds for a Standalone pool.
This mode is designed for multinationals with more countries in scope and a need for greater flexibility and tailored risk management.
At the end of the first contract year, a client moves into Standalone mode if the portfolio meets the required thresholds.
If a Standalone pool no longer meets those thresholds, it automatically moves to Multiemployer mode.
The process is seamless—no renegotiations and no new agreement needed.
Thanks to the partnership of Generali and Swiss Life Global Solutions, we’ve expanded our offering to better serve you and your employees. We now offer also a non‑reinsurance pooling models together with the Redion EB Lifecyle Pooling solution, so you can choose the approach that best fits your structure and goals.
At least EUR 20,000 in pooled premiums*
At least two countries, or one during the first year
Minimum EUR 2,000 per country
At least EUR 1,000,000 in pooled premiums*
At least three countries
Minimum EUR 50,000 per country
* Premiums must be placed with Redion EB Network Partners
At least 1 eligible contract
Minimum 10 insured employees (lives)
No strict premium threshold at entry level
At least 2 contracts across 2 countries
Minimum 100 insured employees (lives)
Minimum EUR 250,000 pooled annual premium*
* Contacts must be placed with Redion EB Network Partners
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