Multinational Aggregate Pooling System (MAPS)

Small Groups Pool or Multi Employer System

Under the MAPS pool the experience of a number of smaller companies is combined into one larger pool, allowing for better spreading of risk and providing economies of scale.  The pool has full stop loss protection so losses are waived at the end of each accounting year.

Minimum Requirements

  • Poolable group cover with network insurers in at least two countries
  • Covering at least 50 insured lives

Settlement of Dividends

  • Annually
  • Aggregate Share is applied to compensate negative balance from other companies, including the stop loss charge