Our Expertise
Comprehensive analysis of gaps in your international coverage and risk mitigation
Geodesk’s international insurance audit is an independent, confidential, and in-depth analysis of all your overseas insurance policies. In less than 48 hours, with no obligation and in complete confidence, our experts evaluate your international coverage to identify areas of risk that are not covered, duplicate coverage, potential overpayments, and gaps in your coverage. You’ll receive a clear assessment and concrete recommendations to optimize your insurance program, strengthen your compliance, and effectively protect your employees, subsidiaries, and operations worldwide.
An insurance audit is more than just reviewing policies: it evaluates your coverage against the reality of your business operations, your areas of operation, and the profiles of the employees who are actually at risk. Geodesk analyzes each risk area, assesses the gap between what your company pays and what it is actually entitled to in the event of a claim, and then translates this assessment into concrete decisions.
After conducting a comprehensive audit of your operations, country risks, and employee profiles, Geodesk identifies the coverage your organization truly needs, as each company faces different risks depending on its destinations, operations, and employee profiles.
Geodesk’s business travel insurance protects your employees during one-time assignments abroad, where a credit card or standard travel insurance quickly reaches its limits. This coverage combines medical expenses, assistance, repatriation, and liability, tailored to the duration, destination, and risk level of each assignment.
Geodesk tailors coverage to the actual field conditions rather than relying on a generic flat-rate plan, taking into account sensitive areas, transit countries, and specific profiles such as service providers, humanitarian volunteers, or consultants. This customized approach avoids the gaps that an audit of existing contracts almost always reveals.
Geodesk's expatriate insurance provides long-term coverage for employees living abroad, for whom the French social security system no longer provides coverage or does so only partially. It ensures the expatriate's health, financial security, and liability coverage for the entire duration of their assignment.
A poorly tailored expatriate contract often fails to account for spouses, accompanying children, and impatriation situations. Geodesk analyzes each individual’s status to ensure that each person is enrolled in the appropriate plan and, when applicable, coordinates international coverage with the Caisse des Français de l’Étranger.
Geodesk’s international health insurance picks up where local insurance leaves off at the border: it covers the insured in every country, during every trip, and for every medical treatment. This coverage is the foundation of any mobility, as the actual cost of hospitalization abroad can jeopardize both an individual’s and a company’s budget.
Beyond the stated overall coverage limit, Geodesk examines the details that truly make a difference in the event of a claim: sub-limits for intensive care and resuscitation, deductibles, waiting periods, and whether the policy provides direct payment rather than simply advancing funds. These criteria, which are often overlooked, are at the heart of our audit.
Geodesk's international life insurance protects the insured and their loved ones against the serious consequences of death, disability, or incapacity occurring abroad. It provides a lump-sum payment or an annuity in situations where local plans and the French system often leave a significant portion of the risk unprotected for people living abroad.
This coverage is particularly crucial for companies and organizations that deploy teams to high-risk areas, where exposure is greater. Geodesk tailors its coverage to reflect the actual status of each employee, in order to avoid disparities in coverage among employees, consultants, and volunteers.
Geodesk’s individual accident coverage provides compensation to the insured in the event of a personal injury sustained during an international assignment or trip, whether it results in medical expenses, disability, or death. It supplements health and life insurance coverage by specifically addressing the risk of accidents, which is often underestimated during business travel.
Geodesk tailors this coverage based on the nature of the assignment, the country where it is carried out, and the sector of operation—construction, humanitarian work, industrial sites, or sensitive technologies—each of which presents very different levels of risk. This sector-specific approach, drawn from 30 years of expertise, allows us to adjust coverage amounts and terms to closely match the realities of each assignment.
For 30 years, Geodesk has been a broker 100% specialized in international insurance, operating in more than 150 countries and well-versed in even the most sensitive environments, including war zones. This exclusive specialization makes all the difference during an audit: whereas a generalist broker merely reviews policy clauses, Geodesk evaluates your contracts against the operational realities on the ground and current geopolitical developments, while maintaining constant legal monitoring.
The Geodesk audit is independent and non-binding. Our method consists of three steps: analyzing each situation based on its specific characteristics, anticipating risks before they arise, and providing coverage where traditional insurance falls short. This approach is supported by strong partnerships with insurers and recognized legal expertise (CDSE). The audit yields measurable results. For equivalent coverage, our assessment consistently helps reduce costs while strengthening protection.
The NGO IRAM (Institute for Research and Applications of Development Methods) attests to this: “The Geodesk team took the time to thoroughly review all of our insurance policies to verify their suitability. While maintaining equivalent coverage, their assessment enabled us to significantly reduce our costs while ensuring our employees have appropriate coverage. ” — R. Lesage, RAF.
Each audited company is assigned a dedicated point of contact, from the initial contact through to a claim. This personal touch—praised by another NGO, Action Education, for “the same level of relevance in terms of proposals and recommendations” and “the team’s excellent responsiveness”—transforms the audit into a lasting relationship of trust, rather than a mere one-time report.
Everything You Need to Know Before Having Your International Insurance Policies Audited.
An international insurance audit is an independent and systematic analysis of a company’s entire portfolio of insurance policies, designed to verify their relevance, consistency, and compliance. Geodesk’s international insurance audit compares the coverage purchased with the reality of the company’s operations, areas of operation, and risk profiles, then identifies gaps in coverage, potential cost overruns, and uninsured risks. The result is a clear assessment that serves as the basis for informed strategic decisions regarding risk management and the protection of the company.
At Geodesk, an audit of international insurance contracts is conducted in four stages:
Having your international insurance policies audited is essential because most companies have no real visibility into what is covered outside the European Union. A finance department struggles to estimate the cost of an unforeseeable claim, a security manager often lacks a centralized crisis management system, and an inadequate policy directly exposes the company and its executives to liability. An international insurance audit brings clarity to areas plagued by uncertainties and uncontrolled budgets.
At Geodesk, the international insurance audit evaluates geographic exclusions and areas with evolving risks, medical expense limits compared to the actual cost of care, intensive care sub-limits, uninsured profiles (service providers, consultants, expats, volunteers, spouses, children, etc.), the quality of assistance and medical repatriation, and compliance with local regulations. The analysis also incorporates sector-specific risk associated with certain industries, such as construction, medical equipment, or sensitive technologies.
The selection of an insurance audit service provider is based on three criteria: genuine specialization in international insurance, independence that ensures an objective assessment, and practical, on-the-ground knowledge rather than mere contractual expertise. Geodesk meets all three of these criteria with 30 years of expertise focused exclusively on international insurance, a network of partners in more than 150 countries, and recognized legal and compliance expertise.
Yes. The Geodesk international insurance audit is 100% free and non-binding, regardless of the country where your business operates or the size of your company.
Conducted by our experts in less than 48 business hours, the Geodesk international insurance audit provides you with a personalized assessment, a clear analysis, and complete confidentiality regarding your data and current coverage (health, life insurance, liability, repatriation assistance, personal accident, etc.) for your employees on international assignments.
Requesting your audit does not commit you to anything—there is no obligation to change your policy or switch insurers. The goal is simple: to enable you to make an informed decision.
Do you manage expatriate employees or employees on assignments abroad? Request your free* international insurance audit and receive your personalized assessment within 48 hours, with no obligation
*Offered depending on the type of company and the country of assignment
