Employer-Owned Employee Benefit (TPA)
A New Way to Protect Employees &
Keep the Surplus
Fully Managed Employee Coverage That Pays You Back
What Is a TPA and Why It Matters
A TPA (Third-Party Administrator) is a licensed partner that manages your employee health program on your behalf.
Instead of paying premiums to an insurance company, your business sets aside a fixed monthly amount for employee coverage. NextShield acts as your administrator collecting contributions, processing claims, and returning any unused funds back to you.
Traditional Insurance Is One-Sided
- No Control over Pricing or Profit
- Annual Premium Inflation
- Complicated Claims Process
- No Visibility on How Funds are Used
NextShield TPA gives you
- Full Fund Transparency
- Flexible Contribution Design
- Fast, Digital Benefits
- Profit-sharing on Surplus
How the NextShield TPA Model Works?
Contributions in, claims out, surplus returned
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Enroll Your Team
Define your monthly contribution (e.g. USD 35/member).
Auto-Debit Activated
Employees or employers pay automatically.
Benefits Managed
Employees submit receipts or hospital reports online.
AI Admin
GuardianAI reviews, flags anomalies, ensures fairness.
Surplus Returned
After claims and reserves, leftover funds go back to you.
It Sounds Complex Until You Try It
Our calculator shows in seconds how NextShield turns that expense into your company’s profit
You’re Not Alone in Switching to TPA
59% of Fortune 500 companies in the U.S. already use TPA-based, self-funded healthcare models.
Ms. Pham | HR Director
Manufacturing
Hanoi
Every renewal season used to be stressful. We had to negotiate premiums, chase the insurer, and explain confusing claim results to our staff. Since moving to NextShield’s TPA model, everything feels clearer. I can track our fund in real time, employees get reimbursed quickly, and for the first time, we received part of the unused budget back. It’s transparent, professional, and surprisingly empowering for our HR team.
Mr. Rattanakul | CEO
Manufacturing
Bangkok
I’ve handled company insurance budgets for years, and it always felt like money disappearing into a black hole. With NextShield, that changed. I can see exactly how much we spend, how much goes to claims, and how much we save. Our finance reports are cleaner, and the surplus refund made our management team genuinely happy. It finally feels like insurance can work in our favor.
Mr. Tran | Chairman
Food and Beverage
Ho Chi Minh City
I used to see health insurance as a necessary cost, not something that could create value. The TPA model changed that perspective completely. We decide the contribution, NextShield manages the process, and at the end of the quarter we actually earn back what isn’t used. My team feels protected, and I feel confident knowing our money is working efficiently. It’s practical and fair, just how it should be.