The broker, your trusted third party with complete independence

I met a friend at the Courtage Fair who said to me: "In a collective, once the contract is placed, it's over, right?"

Well… not really.

Advising on a group contract – especially in international health – is not like putting a frame on the wall and forgetting about it.

It is continuous, demanding and discreet work , a bit like that of audit firms: a trusted third party with specific missions and essential values.

Why should a broker be a trusted third party?

Because you can't be both judge and jury.

Advising a company and being paid to manage the contract yourself opens the door to conflicts of interest.

When it comes to the social protection of employees of a large group, neutrality is not an option. It's an obligation.

And the broker's role is also to protect his client :

• by securing its decisions,

• by saving him time in complex procedures,

• and sharing responsibility on sensitive and engaging issues.

  
  

And then there is… all the background work to provide ongoing advice:

• HR data analysis

• Understanding the issues by country and by population

• Analysis of existing contracts and their relevance

• The study of major claims

• Compliance and adaptation to regulatory changes

• Communication with employees and responding to their questions

• Regular monitoring of key indicators

  
  

In short, it's not a sprint. It's a marathon in the service of the company and its employees .

A moral and ethical (and legal) commitment is required: the broker must…

Advise your client in their exclusive interest

Negotiate with insurers and put offers into competition

Analyze the real needs of the company and employees

Choose not only the insurer, but also the manager – because it is he who, on a daily basis, embodies the contract for employees

Because a contract that is well negotiated on paper is worthless if it is not well managed.

The broker's role is to ensure that the manager – the one who reimburses, answers questions, provides daily support – is reliable, responsive and aligned with the promise given to the client .

And precisely, this period of renewal is a key moment.

The broker must review each contract, check its suitability to needs, suggest adjustments and support the client in this often cumbersome and technical phase.

Explain. Clarify. Anticipate. Reassure.

At Munkam , this commitment takes concrete form:

• Independent brokerage , free from any conflict of interest.

• Inclusive brokerage , which considers all profiles – including those too often forgotten, such as women in international mobility.

• A close brokerage , which does not just sign a contract but accompanies, compares, adjusts and supports at each stage of the process.

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So yes, the broker negotiates, calculates prices, puts people in competition.

But above all, he protects his client, saves him precious time and takes his share of responsibility in decisions.

And perhaps, deep down, that's what a broker's job really is – and Munkam's DNA: Giving confidence in the future, without conflicts of interest, with humanity and transparency.