Benefits Consultancy
International protection for those who live without borders
Independent consultancy and specialist guidance on international health, life and benefits for families and professionals who move across the world.
About Lollis
A boutique consultancy for decisions that cross borders
Lollis was founded on the conviction that international protection is never settled by a form and a price. Every family has its own geography — where they live, where they travel, where the children study, where the assets sit — and that geography defines the right cover.
We study the international health and life market, comparing coverage, hospital networks, waiting periods and hard-currency limits before giving any guidance. No alternative is presented until the client understands precisely what is being analysed.
We advise in Portuguese, Spanish and English, and we stay alongside the client over time: guiding claims, international reimbursements, renewals and coverage reviews whenever life changes address.
- 15+
- years of experience in benefits
- 3
- languages of service
- 20+
- countries where clients are served
Solutions
What we design for you
Six areas of work covering the full cycle — from analysing the alternatives to following the reimbursement through.
International Health Consultancy
Global medical cover with access to leading hospitals in any country, in individual or family plans. We review the provider network, annual limits, maternity cover, pre-existing conditions and emergency care to guide your decision.
International Life Consultancy
Wealth and succession protection through hard-currency policies integrated with your financial planning. We advise on sum insured, beneficiaries and payment terms around tax residency and the family's real asset base.
Claims and Reimbursement Management
End-to-end handling of the international reimbursement process: document preparation, translation of medical reports, guidance on filing with the insurer and tracking of deadlines. You never deal with the paperwork.
Expatriate Consultancy
Complete guidance for those relocating: cover in the destination country, continuity of home-country benefits and transition between plans with no gaps. We handle the return leg too, when it comes.
Travel Insurance Consultancy
Guidance on temporary cover for leisure, business or study trips: medical and hospital expenses abroad, visa and Schengen requirements, baggage, cancellation and sports activities. We explain limits, deductibles and exactly what to do in an emergency away from home.
Domestic Protection Consultancy
Consultancy on protection within your country of residence — health, life, personal accident and corporate benefits — reviewing networks, waiting periods, price adjustments and costs so local cover works alongside the family's or company's international strategy.
Why Lollis
Genuine consultancy, not a call centre
Advisory service
You always speak to the same consultant, who knows your history and your family.
International expertise
Practical knowledge of the major global insurers — and of their fine print.
Support in three languages
Portuguese, Spanish and English — including at the moment of a claim.
Claims handled for you
We manage reimbursement from start to finish, tracking deadlines with the insurer.
High-net-worth plans
Access to exclusive products with limits and hospital networks unavailable at retail.
Full transparency
Commissions, exclusions and waiting periods explained before signature. No asterisks.
How it works
Four steps, no surprises
- 1
Initial conversation
We map your profile, destinations, family composition and real needs.
- 2
Tailored analysis
We compare the best alternatives on the international market, side by side.
- 3
Guided decision
We explain conditions, documentation and each step so you can decide with confidence.
- 4
Ongoing support
Continuous help with claims, reimbursements, renewals and coverage adjustments.
Become a partner
For professionals who want to work in consultancy alongside Lollis
We are growing our network with professionals who share our service standard. Fill in the form and our team will get in touch.
Frequently asked questions
Common questions about protection and insurance
Straight answers about international protection consultancy, global coverage, expatriation, travel cover and domestic protection.
What is international health insurance?
International health insurance is a policy that guarantees medical care across several countries, not only in your country of residence. Unlike a local health plan, it operates through a global network of hospitals and clinics and usually works on reimbursement in hard currency, with high annual limits. In 2026, international coverage typically already includes telemedicine consultations, medical evacuation and repatriation. It is the right solution for anyone living abroad, travelling frequently or maintaining ties in more than one country.
Who needs expatriate insurance?
Expatriate insurance is for anyone moving their residence to another country for work, study, retirement or a family project. Domestic health plans stop applying the moment you cross the border, and local public systems often impose waiting periods on new arrivals. An expatriate policy covers that gap and maintains a private standard of care in the destination country. It also protects those who keep family in one country while working in another.
How does reimbursement work under an international policy?
Under most international policies you are treated at any hospital, settle the bill and then claim reimbursement from the insurer with the invoice, medical report and proof of payment. The amount is returned in the policy currency, usually dollars or euros, within the contractual deadline. For larger hospital admissions a guarantee of payment can be arranged directly with the hospital, avoiding any outlay. At Lollis, our team prepares the documentation, translates whatever is needed and follows the claim until the money is credited.
What is the difference between travel insurance and international health insurance?
Travel insurance is temporary and emergency-driven: it covers sudden events during a specific trip, with low limits and a validity of days or weeks. International health insurance is continuous and renewable each year, covering routine medical follow-up, diagnostics, chronic treatment, maternity and elective admissions. Anyone living abroad or spending long periods overseas needs the second, not the first. In many cases the two coexist as complementary cover.
Which languages does Lollis work in?
We work fully in Portuguese, Spanish and English, both during the analysis and in ongoing support. Meetings, proposals, contracts and claim filings can all take place in whichever language the family prefers. We also bridge communication with international insurers, which operate predominantly in English. No client should have to negotiate coverage in a language they are not comfortable with.
How does Lollis advise on choosing international protection?
The process starts with a no-obligation conversation in which we map country of residence, frequent destinations, ages of the insured and medical history. We then present a technical comparison of the alternatives on the international market, with coverage, exclusions and pricing side by side. The policy is always issued by the insurer, abroad: Lollis provides guidance, organises documentation and explains each step, without selling or issuing insurance. From there, support is ongoing, including renewals and coverage reviews.
How does travel insurance consultancy work?
Travel consultancy starts with the itinerary: destination, duration, purpose of the trip and the profile of those travelling. From there we advise on the right level of cover for medical and hospital expenses abroad, visa and Schengen requirements, baggage, trip cancellation and sports activities. We explain limits, deductibles, exclusions and exactly what to do in an emergency away from home. Lollis guides and organises the documentation; the policy is issued by the responsible insurer.
Does Lollis also advise on protection in your country of residence?
Yes. Alongside the international side, we advise on domestic protection: health, life, personal accident and corporate benefits. We review provider networks, waiting periods, price adjustments, co-payments and total cost so local cover works alongside the family's or company's international strategy, with no overlaps and no gaps. It is particularly useful for those who keep a home base while spending long periods abroad, and for companies with teams in more than one country.
Ready to protect what matters?
Book a no-obligation conversation with our team.
Message us on WhatsAppWe advise in Portuguese, Spanish and English