You choose the funding split — fully sponsored, shared, or self-paid. Your pool offer shows the full cost in writing before you commit, and you can adjust the model as the team grows.
For Teams
Give your global team a health safety net.
One health protection layer for your whole team — staff, contractors, and remote contributors — that fits how they actually work and travel. Not a dozen fragmented local plans.
We onboard founding teams personally — one email starts it.
Team pool
Funding model
Example pool
Employer covers100%
Member pays$0 / mo
Who's coveredStaff & contractors
Pool benefitUp to $1,000/ claim
Traditional benefits weren't built
for borderless talent.
Rigid, slow to set up, and tied to one country. A team spread across borders shouldn't mean a dozen local programs or a stack of reimbursement receipts.
The contractor disparity
Traditional insurers require full-time local employment, so global contractors, freelancers, and part-time contributors get left behind — creating two classes of belonging within the same team.
The local compliance maze
Standing up a separate local plan in every country where you have someone is an administrative and legal burden. The paperwork and compliance load quickly become untenable.
Informal emergency requests
Without a clear safety net, emergencies fall back to group-chat appeals. Managers approve one-off payouts after the fact, and members feel unsupported when it matters most.
One layer. Three ways to fund it.
Pick the split that fits your budget and culture, then size it to your team. The numbers below use an example pool at $25 per member — your pool offer shows the real terms before you commit.
Fully sponsored benefit42 members
Company pays≈ $1,050 / mo
Each member pays$0 / mo
Illustrative — the exact contribution, benefits, and limits are set in your pool offer, in writing.
Launching takes three steps.
We onboard founding teams personally — one conversation starts it.
Create your pool
Tell us about your team. We set the pool up with you — no benefits infrastructure to build.
Set terms and split
Choose the funding model and review the pool rules in plain language — they become the written offer.
Invite your people
Members verify belonging, see the real offer, and join in minutes — staff and contractors alike.
Member journey
A calm, care-first experience.
From the first invite to finding care, your people see clarity at every step. This is what joining feels like.
Join Atlas Labs Pool
Atlas Labs has invited you to join their community safety net. Your pool access is fully sponsored.
Accept Invitation
Nakama · Member app
Join Atlas Labs Pool
Atlas Labs has invited you to join their community safety net. Your pool access is fully sponsored.
Accept Invitation
Care your people can feel.
Trust & privacy
Clear by design.
Operators get the numbers they need to run the pool. Members keep their health details private. Here is exactly where the line sits.
Operators see
The pool’s health
- Enrollment and active member count
- Contributions and funding status
- Aggregate reserves and pool solvency
- Claim volume — counts, never contents
Stays private to the member
Their health details
- Diagnoses and medical conditions
- Individual claims and care routing
- Documents and bills they submit
- Which providers they see, and why
The terms
Everything in writing,
nothing in fine print.
Your pool's exact terms are set when you create it. This is the shape of what your people will see.
Team pool · TermsExample pool
Member contribution$25 / month
Pool benefitUp to $1,000 / claim
FocusSudden illness & injury
ExclusionsListed in full, in writing
Waiting periodShown before joining
ClaimsReviewed against written rules
Members see their pool's real version of this card — exact terms, in plain language — before they decide.
Operator questions
Asked before every launch.
Each pool defines its exclusions and waiting periods up front, and members see them in plain language before they join. Pools focus on sudden illness and injury — never a blanket promise of everything.
Pool access is tied to active membership. If your pool supports portable access, those terms are shown before anyone joins — nothing changes silently.
Nakama pools are community-funded health protection — not insurance, and not a guarantee of payment. Limits are visible, payouts follow the written pool rules, and you see the pool's funding status at all times — no silent surprises.
Wherever your people live and travel. Care Guides help members find care globally, and the claim flow is the same wherever they are.
We onboard founding teams personally — one conversation starts it. Once your terms are set, inviting the whole team takes minutes.
Now onboarding founding teams.
Network School builders are already protected through Nakama — your team can be next.
- Network School contribution
- $19 / 30 days
- per approved claim
- Up to $1,000
- with Network School
- Live today
For teams
Cover your team with Nakama.
Give your people health protection that fits the way they work and travel — clear, portable, and built for global talent.
Pool terms in writing before you commit • Real humans when something happens