Our offices are open from 8:00 a.m. to 4:15 p.m.

We encourage you to submit all queries via our web portal using the relevant links below.


Our offices are open from 8:00 a.m. to 4:15 p.m.

In keeping with social distancing guidelines, many of our team members continue to work remotely.
We encourage you to submit all queries via our web portal using the relevant links below.


We help you take care of your employees so that they can take care of you.

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on your claims
Click below for guidance on your claims PROVIDER MEMBER EMPLOYER

See how our solutions can
help your business.

We are a market leader in designing cost-effective, self-funded benefit plans.
We offer the highest quality claims management and administrative services to self-funded benefit plans
through our innovative solutions, including:

Custom benefit plans from Cardea Benefits

Custom benefit plans

Benefit plans with automated claims processing

Fast and efficient automated claims processing

Access to local and international provider networks

Access to local and international provider networks

Cardea benefits for Worldwide emergency assistance

Worldwide emergency assistance 24/7, 365 days a year

Cardea Benefits offers Stop-loss coverage arrangements

Stop-loss coverage arrangements

Quality customer support for Cardea Benefits' clients

Quality customer service for our clients

Cardea Benefits healthcare system navigation

Healthcare system navigation

Our team is your team.

We have a proud history of building long term relationships based on trust and confidence. You can count on us to work with you!
Click below to get to know some of the people you will be working with.

Mr. Edison Raphael is the holder of the Fellow Life Management Institute (F.L.M.I.) accreditation and has over thirty-seven (37) years experience in design and implementation of technically advanced Employee Benefit programs. He is currently the Managing Director of Cardea Benefits Limited and is also a member of the Board of Directors of Agostini Insurance Brokers Limited.

Edison Raphael

Managing Director

Mrs. Paulesca Romany-Fournillier joined Cardea Benefits Limited from its inception in October 2009 to manage our Claims Department. Prior to this, she provided claims support to the Employee Benefits Department at Agostini Insurance Brokers and was a Senior Claims Examiner at a prominent insurance company. She has accumulated over twenty (20) years experience in the health insurance industry.
Paulesca oversees the effective management of all matters related to claims including payment authorization, approval for overseas treatment, investigation of large or unusual claims & possible fraudulent claims.
Paulsca holds the designations ACS (Associate, Customer Service) and ALMI from the Life Management Institute, as well as an Associate with the Health Institute Association of America.

Paulesca Romany-Fournillier

Manager – Claims

Anil Joseph

Claims Administrator

Natasha Abdool

Claims Administrator

Ashley Romany

Claims Examiner

Sean Perryman

Claims Administrator

Evana Joseph

Claims Examiner

Zainab Le Gendre

Clerical Assistant

Ariana Paz

Claims Administrator

BMath, Dip CII, ABCP, IRM Cert
Ms. Alya Abdulla Ali Taib joined Cardea Benefits Limited in 2010 as an Account Assistant responsible for plan analysis, costing and reporting. Her continued educational pursuits and dedication to Cardea and our clients has gained her excellent client reviews, all of which led to her promotion to Manager – Client Services.
Alya oversees proposals/RFP's, plan analysis and renewals, reporting, billing and eligibility administration, and any other day to day account management and operational issues.
Alya is the holder of a Bachelor of Mathematics (Actuarial Science/Finance) from the University of Waterloo, a Diploma in Insurance (Dip CII) from The Chartered Insurance Institute, London; an Associate Business Continuity Professional (ABCP) from DRI International, Associate in Risk Management (ARM) from the American Insurance Institute and an International Certificate in Enterprise Risk Management (IRM Cert) from Institute of Risk Management, London.

Alya Abdulla Ali Taib

Manager – Client Services

Kerel Warrick

Benefit Analyst

Melissa Ming

Plan Administrator

Shaundell Best

Plan Administrator

Rhesa-Addi Kendell

Plan Administrator

Christine Moo

Plan Administrator