1. A loss that has to be seen before the capital decision
International reinsurance covers reinsurers, cession, claims payment, underwriting, claims handling, and catastrophe risk. Reinsurers and direct insurers place survey terminals, underwriting devices, and risk-model equipment in many countries, and each one has to reach headquarters and the reinsurance platform while the loss is being assessed. The SIM is what keeps that terminal online, so it has to work in every country on the book, keep financial data private, and sit inside the compliance the carrier already holds.
SimtoLink supplies international IoT SIMs to cross-border reinsurers, direct insurers, and insurtech firms. Coverage spans 200+ countries and regions and 600+ operator networks, as eSIM or physical SIM, for survey terminals and underwriting devices. One SIM stays in the unit when a survey crosses a border.
2. The survey, the bordereau, the model, and the branch
Reinsurance covers reinsurers, cession, claims payment, and claims handling.
Survey and loss assessment
A catastrophe surveyor carries a rugged terminal and uploads site photos, a video survey, and a loss report so a remote expert can review them as they arrive. That is what speeds adjustment and the claims decision. After a hurricane or an earthquake the team has to be on the ground in several countries within 24 hours, and the SIM works on arrival without a local SIM ordered in advance. Photos from one survey run about 50–200MB and video about 100–500MB, which a 4G link can carry in time.
Cession and the treaty
The reinsurer and the cedant exchange a bordereau, a claims list, and the contract papers — a treaty or a facultative slip — on a private path. A broker negotiating in another country opens the reinsurance system for the contract, the pricing model, and the loss history. A private APN keeps that off the public internet, which is what Solvency II and local insurance rules expect.
Catastrophe risk and the model
Actuaries take live readings from weather stations, seismographs, and flood sensors in many countries. Those stations report raw observations to the risk platform and update the real-time loss estimate (RLE). Within hours of a catastrophe the reinsurer can put a first claims figure on the event, which is the input for emergency capital and for whether a catastrophe bond has triggered.
Reinsurance across 30–50 countries
A group operating in 30–50 countries puts every branch terminal on one SIM plan, for data sync, one console, and a compliance audit. The pool shows use by country and department and flags access that looks wrong. GDPR and local insurance rules on where data may live still apply, and a security assessment is available when data has to leave a country.
3. Data per survey terminal
Each device uses about 100–500MB a month. Most of that is survey photos and loss reports, plus the messages to the reinsurance platform. A claim arrives in a burst, so leave 20%–30% of headroom.
Several SIMs can share one pool, which fits a reinsurer with survey sites in many countries. The platform reports consumption by country and site and flags unusual use.
4. A claims file, a local-storage rule, and a survey that cannot wait
- Claims and underwriting data: These are financial records. Send them on a private APN with TLS, in line with GDPR and the financial rules of each country.
- Terminals in many countries: A device has to change networks on its own. Pricing is the same across those countries, and the bill is itemized.
- Data kept in-country: Some countries require financial data to stay local. SimtoLink supports a security assessment when data has to leave.
- Around the clock: A survey does not wait until morning. The SIM can switch among operators when one network goes quiet.
5. What changes for a survey that starts in another country
Coverage spans 200+ countries and regions and 600+ operators. A shared data pool absorbs survey sites in many countries. Activation and the fleet sit in one SimtoLink console. A private APN keeps reinsurance traffic off the public internet.
6. Before the first survey terminal ships
Count devices, countries, monthly data, and how the terminal joins the reinsurance platform. From that, choose a single SIM or a shared pool, and pay-as-you-go or a monthly bundle. Test in the countries the survey teams actually enter. Activate SIMs, set the APN, and bind devices in bulk on the SimtoLink platform. After go-live, alert on data use and inspect on a schedule.
SimtoLink already supplies cross-border reinsurers, direct insurers, and insurtech firms. If you are connecting survey and underwriting terminals abroad, contact SimtoLink for a plan built around that book.