Our Brokerage Model
We work for you
As an independent health insurance broker, Vanguard Risk Solutions is not tied to any single insurance provider. We access a carefully curated panel of A-rated and above carriers to match each client individual, family, or corporate group with the plan that best suits their specific circumstances, risk profile, and budget. Our advice is impartial. Our loyalty is to our clients.
Full-Service Health Coverage
Everything under one roof
Individual & Family Plans
Whether you are a long-term Cayman resident, a relocating professional, or a family navigating coverage for the first time, Vanguard Risk Solutions takes the time to understand your circumstances before making any recommendations. As independent brokers, we compare options across multiple A-rated insurers and present you with solutions that genuinely match your health needs, life stage, and budget with no pressure and no bias toward any single provider.
Corporate Group Health
A well-structured group health plan is one of the most valuable tools an employer can offer. Vanguard Risk Solutions designs, negotiates, and manages corporate health programmes for businesses ranging from small owner-operated firms to large multi-national employers taking the complexity off your desk so you can focus on running your organisation. Working exclusively with A-rated and above insurers, we ensure your employees are backed by financially strong, reputable providers.
International Coverage
For internationally mobile professionals, high-net-worth individuals, and businesses with employees who travel or relocate across borders, standard local health insurance is rarely sufficient. International health plans offer a fundamentally different level of coverage including in-network access to leading hospitals worldwide, direct billing to your insurer, and the freedom to seek treatment wherever the best care is available.
We work with internationally-accredited insurers whose networks span major medical centres across the US, UK, Europe, Latin America, and beyond. We match clients with plans based on their specific travel patterns, preferred providers, and the regions where they spend the most time.
Why Vanguard
What sets us apart
- Over 40 years in the Cayman market. A track record that speaks for itself.
- A-rated insurers only. We work exclusively with carriers rated A- or above. No exceptions.
- Dedicated in-house claims department. Means faster decisions and better outcomes.
- Local knowledge & presence. Our on-the-ground presence means better provider relationships, faster navigation of the local system, and advice shaped by real Cayman market experience.
- Qualified & experienced. The right qualification isn’t just a credential it’s the difference between advice that protects you and advice that leaves gaps. Our brokers have both the training and the experience to know the difference.
- Trusted client relationships. Long-term relationships mean we know when something isn’t right for you and we’ll say so. That’s the kind of honest advice you only get from someone invested in your outcome, not just your renewal.
Health Made Easy
Vanguard Claims Portal
Track your benefits online! At Vanguard Risk Solutions we want to make your health insurance experience a positive one. That’s why our online claims portal allows you to view your claim history anytime, anywhere.
- Track your claim online
- Check claim history and diagnostic information for the entire family
- Check accumulated amounts for deductibles and co-insurance
- View detailed information regarding health cover
- Print claim forms