International pooling of group insurance (life, disability, pension, health, accident) refers to programs for corporate groups in which an international claims balance of all participating local insurance policies is carried out across the group, allowing for refunds to be made to the parent company if the claims experience is favorable.

At the same time, including local insurance contracts in a pooling program increases transparency regarding local contract structures for the parent company.

International pooling networks can also be used to gain a better understanding of local benefit plans.