Broker offer
Distribute international health cover without carrying the complexity
Wholesale access to several insurers, the broker portal to price, compare, draft a proposal and get it signed, and underwriting that meets its deadlines. You keep the client relationship.
The situation
The case is on your desk. The product is missing.
An executive relocates to Dubai, a family settles in Monaco, a client expatriates. The request lands in your book. Without carrier appointments, without suitable rate tables, without French-language documentation, the new business slips away to a competitor. This is exactly the gap we fill.
Your benefits
A complete wholesale offer, not just a comparison tool
01
Distribute without holding the carrier appointments
We hold the agreements, you distribute. You handle international health cover without holding every appointment yourself.
02
Place cover on French-style rate structures
Products built on French market logic: first-euro reimbursement, CFE top-up, French-language documentation. Something Anglo-Saxon platforms don't offer.
03
Run the whole pre-sale process without re-keying
Price, compare, draft the proposal, get it signed, process the medical questionnaire and follow the case through to policy issuance. Your sales cycle shortens.
04
Set your own commission terms
Commission and administration fees adjustable per case. You keep control of your margin.
05
Delegate underwriting and administration
Fast underwriting, direct billing, direct settlement, a dedicated contact. Servicing requests don't land back on your desk.
You keep the commercial relationship. Claims management, direct settlement and direct billing are handled by our integrated management centre: your clients have a dedicated operational contact, while servicing tickets never land back on your desk.
The broker portal in pictures
Take the file from pricing through to commission
Five screens, one tool. This is the broker portal in daily use: pricing, insurer arbitration, proposal, online subscription, electronic signature, medical questionnaire, underwriting follow-up and production tracking. Available at pro.protegatmonaco.com.
Step 1
Price online, without waiting for a reply
Cover type, zone, plan, level of benefits: a single entry queries every referenced insurer at once. You answer your prospect within the minute, at the pre-sale stage, without depending on an underwriter's reply.
Step 2
Compare insurers on equivalent benefits
Hospitalisation, routine care, optical-dental, maternity, evacuation: arbitrate between insurers on equivalent benefits, with premium and commission shown on every line. You defend your placement with hard figures.
Step 3
Draft a proposal ready to sign
Your logo, your pitch, your administration fees, your attachments. The document goes out under your firm's name, with a discreet mention of distribution via PROTEGAT Monaco. Your conversion rate no longer depends on manual formatting.
Step 4
Track your cases from signature to policy issuance
Timestamped electronic signature, integrated medical questionnaire, underwriting status, missing documents, automated reminders through to policy issuance. You always know where every case stands, without chasing anyone.
Step 5
Steer your production and your commissions
New business for the month, in-force book, conversion rate by insurer, commission earned and pending: the broker portal gives you the production view you don't get from a direct insurer. You chase stalled pre-sales and reconcile your commissions line by line.
Our commitment
Underwrite fast, place accurately, keep control of your book
The three commitments we honour on every case you entrust to us.
01
Handle the case without re-keying anything
Price, compare, draft, get it signed, process the medical questionnaire and track policy issuance, all from the broker portal. No PDF back-and-forth, no double entry.
02
Place cover on equivalent benefits, at a competitive premium
Our wholesale access and lean structure give you competitive premiums on equivalent benefits. You stay attractive against direct insurers.
03
Rely on fast underwriting
Short underwriting turnaround, direct settlement, direct billing, a French-speaking contact: underwriting quality strengthens your book, it doesn't expose it.
Why us
Back your production with a wholesaler based in Monaco
The offer relies on EUROPA ASSURANCES S.A.M., a brokerage firm established in Monaco, and on wholesale access to several international health insurers. For a broker, working with a locally established firm signals credibility to clients. Our difference: French and Monegasque rate tables, independent arbitration, a complete chain through to policy issuance, and a contact who actually answers.
Registration
Prepare your broker access application
To activate your account on the broker portal, prepare the following items. Access is then set up in a single session.
- Company registration extract (KBIS or equivalent)
- Firm's bank details (IBAN)
- Manager's passport or ID card
- ORIAS registration certificate (or local equivalent)
- Broker's name
- Company registration number
- Address and phone number
FAQ
Your questions
Who keeps the client?+
You do. You retain the commercial relationship and book ownership. Day-to-day servicing (claims, direct settlement, direct billing) is handled by our integrated management centre in support of your firm.
Do I need a specific authorisation?+
The framework of the relationship (co-brokerage, mandate or delegation) is defined contractually and clarified with you when setting up.
Which insurers can I access?+
A panel of international health products with rate tables adapted to the French and Monegasque markets. Details are presented during the demo.
How is my commission calculated?+
Commission and administration fees are configurable based on your profile and volume.
How long does it take to get started?+
The demo lasts 30 minutes. The partnership is set up once the framework is agreed.
Open your access and price your first case
Access to the broker portal, a 30-minute onboarding session, and you're pricing your pre-sales the same day.
How it works
Handle the case from request to signature in a single session
01
Price and compare
Enter the profile, get quotes from several insurers side by side.
02
Draft the proposal
Generate a ready-to-sign proposal on your firm's letterhead.
03
Get it signed
Electronic signature and medical questionnaire built into the journey.
04
Track underwriting
Status, documents, follow-ups, through to effective policy issuance.