Who We Are

Cardea Benefits Limited is a Third Party Administration Company that Specializes in Self-Funded and Alternative Risk Transfer Benefit Plans.

Established on October 1st 2009, Cardea started its operations as a fully owned subsidiary of Agostini Insurance Brokers Limited (AIB) to define its services from that of the Employee Benefits Department at AIB. This department handled self-funded plans and claims processing to insurers for five years prior to Cardea’s establishment. Over the years our portfolio has grown considerably. We currently administer health plans in Anguilla, Guyana, Grenada, St. Maarten, St. Lucia, Barbados and Trinidad & Tobago.

Our expertise coupled with state-of-the-art computer software ensures that claims are managed and processed with quality assured.

Our innovative solutions give you access to


Customised benefit plans that give you control


Reduced Premium costs


An intuitive mobile app with 24/7 concierge support


Worldwide emergency assistance 24/7, 365 days a year


Fast and efficient automated claims processing


Access to local and international provider network


Stop loss reinsurance coverage arrangements


Health care system navigation: locate the right specialists for out of country medical treatment

The Cardea Difference

Since 2009, Cardea Benefits Ltd. has been helping employers to self-insure their employee benefits plans as a cost effective risk transfer alternative to traditional insured plans.


By simplifying employee benefits administration our employers and participants can focus on the things that matter most to them. We do this by offering cutting-edge technology, access to real-time information and expertise and superior customer service.


That’s the Cardea Benefits difference, and that’s what’s led us to become the only company dedicated exclusively to Self-Insurance and Alternative Risk Transfer.


We wouldn’t have gotten here without the mission and values that shape who we are and what we’re all about.

Cardea is dedicated to assisting employers in establishing a more efficient and cost effective health plan for their employees.

Our Mission

We are dedicated to providing innovative, cost-effective benefit solutions through a pioneering and responsive service culture.


We enthusiastically support the creativity and development of a team of extra-ordinary professionals who create significant value for our clients, employees and shareholders.

Self-Funded & Alternative Risk Transfer Benefit Plans

Our Vision

To be the regional leader in benefits administration, providing cost-effective solutions and exceptional service, with the support of a team of extraordinary professionals utilizing innovative technological platforms.

Our Values

Customer Service

We exist because of our customers and we constantly seek innovative solutions to provide them with a WOW customer experience.


We value relationships and embrace diversity as the glue that binds us together.


We hold ourselves to the highest ethical standards. We strive for honesty and equity in all of our interactions.


We create an environment of trust by delivering on the commitments we make to each other and to our clients.

People First

We support the personal and professional development of our people. We promote healthy lifestyles and continuous learning. We treat everyone with the utmost care and respect.

Our Commiment

We have a proud history of building long-term relationships based on trust and confidence. You can count on us to work with you ensuring that your objectives drive the process, from concept through implementation to communication and administration.


Our interdisciplinary team is prepared to partner with you, coordinating the integrated delivery of services that meet your needs.