Pooling solution, at your pace
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.
Flexible Pooling Solutions for Multinational Employers
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
What this approach gives you
* Access to medical claims dashboards may vary depending on the pooling solution you choose.
Eligible coverages
The Lifecycle Pool is designed for the main group benefits companies offer worldwide:
Coverage availability depends on local regulations and insurers.
Pooling modes that evolve with your needs
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.
Multiemployer pooling mode
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.
- Full stop‑loss protection with no deficits carried forward
- A fresh start each year
- Flexibility to grow at your own pace
- A secure environment that protects smaller pools from difficult claim years
- Dividends earned country‑by‑country when there’s a positive balance
Standalone pooling mode
This mode is designed for multinationals with more countries in scope and a need for greater flexibility and tailored risk management.
- The dividend is based on the client’s own results.
- After carrying forward any previous losses, 100% of the positive balance can be paid out.
- Protection layers, including stop-loss and losses carry forward options, are available based on your premium level.
- Volatility charge assesses the stability and diversity of the pool and includes a possible discount linked to the ESG score of the client.
- Optional three‑year stop‑loss protection, depending on programme scale.
- Annual and biannual reporting is available based on the pooling solution you select.
Switching between the two modes
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.
Multinational pooling (ex Swiss Life Network)
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.
Minimum requirements
Lifecycle Pooling (ex Generali Employee Benefits (GEB) Network)
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
Multinational Pooling (ex Swiss Life Network)
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