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  Edison Raphael - Managing Director

Mr. Edison Raphael is the holder of the Fellow Life Management Institute (F.L.M.I.) accreditation and has over twenty-five (25) years of working experience with Agostini Insurance Brokers Limited (AIB).

Edison is the Managing Director of Cardea- Health Solutions Limited, a subsidiary of Agostini Insurance Brokers Limited. He is also a member of the Board of Directors of AIB.

Edison has been responsible for the design and implementation of innovative Employee Benefits programmes, particularly for clients in the financial and manufacturing services sector.
 
 
 
 
 
 
  Paulesca Romany-Fournillier - Supervisor

Mrs. Romany-Fournillier is the Supervisor of Cardea Health Solutions. She was previously part of the Employee Benefits team at Agostini Insurance Brokers Limited (AIB) which was transferred to Cardea Health Solutions.

Prior to joining AIB in 2001, she worked as a Senior Claims Examiner at a prominent local insurance company. She holds a Health Insurance, Associate, an Associate, Life Management Institute and Associate, Customer Service.
 
 
 
 
 
 
  Alya Abdulla Ali Taib - Account Assistant

Ms. Abdulla Ali Taib joined Cardea Health Solutions early in 2010 and assists with the costing and evaluation of self-funded group health plans. Alya is responsible for cost and financial analyses, claims and statistical evaluations and forecasting and fund accounting.

She holds a Bachelor of Mathematics with Honours in Actuarial Science (Finance Option) from the University of Waterloo, Canada. Alya has several years experience in customer service and administrative services.
 
 
 
 
 
  Ashley Romany - Claims Adjuster

Mr. Romany has been with Cardea Health Solutions from inception. He held a similar role with the Employee Benefits team at Agostini Insurance Brokers Limited (AIB) for 11 years before its transfer to Cardea Health Solutions.

Mr. Romany adjudicates claims and is available to answer queries for several major accounts. He is in the process of attaining a Fellow, Life Management Institute (FLMI).
 
 
 
 
 
 
 

Anil Joseph - Claims Adjuster

Mr. Joseph’s role goes beyond adjudicating claims; he also handles client queries and provides support to the Supervisor of Cardea Health Solutions.

Anil is also the Electronic Funds Transfer liaison and was previously a member of the Employee Benefits team at Agostini Insurance Brokers Limited (AIB) before its transfer to Cardea Health Solutions.

 
 
 
 
 
 
  Johann Salina - Account Assistant

Mr. Salina handles enrollments and maintains client records on our database. He also assists with eligibility and claims queries. Johann was previously a member of the Employee Benefits team at Agostini Insurance Brokers Limited (AIB) before its transfer to Cardea Health Solutions.

Johann has a diploma from the Association of Business Executives in Business Information Systems, certificate from Trinidad and Tobago Insurance Institute TTII in Introduction to Health Insurance and is also a Certified Facilitator/ Customer Service Champion with the Service Quality Institute.
 
 
 
 
 
 
  Mr. Sean Perryman

Mr. Perryman started to work at Agostini Insurance Brokers Limited (AIB) in 2003 in the Employee Benefits Department and was later transferred to Cardea Health Solutions in February of 2011. Mr. Perryman has experience in claims settlement and health plan administration. Sean has an Associate Degree in Business Management and is currently pursuing a Bachelor’s Degree in Business Management.