MSH International Expat Health Coverage in China

As one of the largest insurers in China, MSH International offers a wide variety of international insurance solutions for expat health coverage both in China and worldwide including the International HOSPI plan and the International Health plans.

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Are you an expat looking for international health insurance in China? In this article, we will talk about MSH International and their expat health insurance solutions for expats in China. This article is part of our series covering the top insurers in China including Cigna and GeoBlue.

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What Makes MSH International Good for Expats in China

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MSH International is a great insurance choice for expats in China due to its inclusive coverage options, its vast medical network which is considered one of the largest in the country, and its 24/7 member support options.

One of the key benefits of an MSH International plan is having access to the extensive network of providers MSH International has both in China and worldwide. MSH International’s network features over one million providers worldwide.

MSH International also offers a variety of quality-of-life services such as their mobile app and online portal that gives their members access to their health records. MSH members can also conveniently submit their claims and follow the status of their claims online.

MSH International First’Expat+ Plan in China

MSH’s International First’Expat+ plan is designed to offer comprehensive coverage to expats and expat families. The plan comes in four options, Hospi, Health, Health+, and Health+Child.

Each tier can also be further customized with four choices: Quartz, Pearl, Sapphire, and Diamond.

MSH International Hospi Options

MSH International’s Hospi option focuses on covering hospital and medical evacuation. The coverage and limit will vary depending on which tier you sign on with. Quartz offers the most basic courage and Diamond offers the highest coverage and benefit limits.

The core benefits of the Hospi option include:

Hospital Room coverage
Emergency Hospitalization
Intensive Care
Surgical Procedures
Laboratory Tests, MRI, X-rays, Scans, Tomography
Hospitalized Emergency Dental Care
Cancer Treatment
Internal Surgical and Medical Prostheses and Devices
External Surgical and Medical Prostheses and Devices
Care Following Covered Hospitalization
Medical Assistance and evacuation Provided by Europ Assistance

MSH International Hospi option annual limits by tier:

Tier	Quartz	Pearl	Sapphire	Diamond
Annual Limit	USD $625,000	USD $1,250,000	USD $2,000,000	USD $3,750,000

MSH International Health Options

In addition to the hospitalization and medical evacuation coverage, the Health options also cover routine healthcare, personal third-party liability, and legal assistance coverage. The option also offers prescription drug coverage with the diamond tier offering full coverage of prescription drugs.

For expats who choose the Pearl, Sapphire, or Diamond tiers, a preventative package is also included. The Preventative Page includes a variety of screenings such as cervical screening, prostate cancer screening, skin cancer screenings and more.

Core benefits of MSH International Health option:

Consultations with General Practitioners and Specialists as well as Specialist Procedures
Emergency Dental Care without Hospitalization
Psychiatry
Speech Therapy Orthoptics, Occupational Therapy, and Nursing care
Physical Therapy and Physiotherapy
Osteopathy and Chiropractic
Prescription Drugs
Durable Medical equipment
Vaccinations and preventative Treatments
Health Checkups
Preventive Package
Dietitian

MSH International Health+ Option

The Health+ option is only available as an add-on option for expats with the Health option and offers additional vision and dental coverage. This option offers dental and vision coverage. Expats can choose between the four tiers for the amount of coverage and annual limit they want.

Health+ dental and vision benefits:

Routine Dental Care, Dentures and Dental Implants, Dental Surgery, Periodontics
Orthodontics up to the Age of 16
Lenses & Frames and Cost of Surgical treatments for Visual Corrections
Corrective Contact Lenses including Disposable Lenses

Health+ dental benefits annual limit table:

	Quartz	Pearl	Sapphire	Diamond
Annual Limit (excluding orthodontics)	USD $1,250 up to $310 per tooth	USD $1,900 up to $500 per tooth	USD $2,500 up to $625 per tooth	USD $4,400 up to$750 per tooth

MSH International Health+Child Options

For expat families or expats who are looking to start their own family, the Health+Child option is an add-on option that offers maternity coverage. Depending on the tier, the coverage and limit for each benefit will vary.

Like most maternity insurance, certain benefits in the Health+Child option have a waiting period.

Health+Child option benefits:

Coverage	Quartz	Pearl	Sapphire	Diamond
Prenatal & Postnatal Care and Childbirth without Complications	USD $4,400 per year	USD $6,250 per year	USD $10,000 per year	USD $13,800 per year
Childbirth Complications	USD $8,800 per year	USD $12,500 per year	USD $20,000 per year	USD $27,600 per year
Fertility Treatment (waiting period of 12 months)	Not covered	USD $1,100 per attempt (with a lifetime limit of $4,400)	USD $1,500 per attempt (with a lifetime limit of $6,000)	USD $1,900 per attempt ( lifetime limit of $7,600)

MSH International Start’Expat Plan in China

The MSH International Start’Expat plan is a short-term travel insurance solution that is perfect for digital nomads looking to explore China. The plan offers basic healthcare coverage, emergency assistance, and basic travel insurance benefits such as lost luggage coverage.

The Start’Expat plan has an annual benefit limit of USD $270,900 for medical coverage.

Start’Expat plan benefits and coverage table:

Benefit	Coverage
Medical or Surgical Hospitalization	100% of Costs
Consultation with General Practitioners and Specialists	100% of Costs (up to USD $86 per procedure beyond 2 consultations)
Pharmaceutical Costs	USD $3,200
Flight Delay Leading to Missed Connection	Fixed Payment of USD $320
Theft, Total or Partial Destruction, or Loss of Luggage during Transportation by a carrier	USD $2,160 ($27 deductible/suitcase) limited to 50% of valuables

Securing Insurance Through a Broker

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There are two main methods you can secure an insurance policy: one is to secure your policy through an insurance agent, the other is to secure one through a broker like Pacific Prime. Securing your insurance policy through a broker offers several advantages over insurance agents.

Before you secure your insurance policy, a lot of time and effort has to be spent on research and plan comparisons. One of the benefits of securing insurance through a broker is that they can do the research for you and present you with a plan that works for your specific needs and requirements.

Because an agent typically works for a specific insurer, the plans they offer will be from that specific insurer. When you contact a broker and ask for plans, a broker can leverage their partnership with different insurers to offer you a variety of different plan options from different insurers.

An advantage of going through an insurance broker is that a broker works for you, as opposed to an insurance agent who works for a specific insurer. A broker will always put your needs above the insurer and present you with a plan that works for you rather than a plan an insurer wants to sell.

Frequently Asked Questions

Does MSH have direct billing in China?

MSH International does offer direct billing in major Chinese cities. It is important to check with your insurer beforehand to ensure that direct billing is available for the healthcare provider of your choice.

Can I add dependents to my MSH International plan?

It is possible to add a dependent to your MSH International plan, however it depends on your plan.

Does MSH cover medical evacuation and repatriation?

Most of MSH International’s plans cover medical evacuations as well as repatriation to your home country if necessary.

Does MSH International have online services/support?

MSH International members will be able to use the mobile app to find resources, quotes, and member support options. Members will also be able to file claims through the mobile app and view their claim status.

Conclusion

If you are an expat looking to secure health insurance in China, MSH International is a great option. MSH International offers customizable health insurance options with multiple tiers to choose from to suit your needs and budget.

For expats and expat families, the First’Expat plan offers great health coverage with add-on benefit options for visual, dental, and maternity coverage. Expats can choose between four options for the First’Expat plan: Hospi, Health, Health+, and Health+Child.

Expats can also further customize their plans by choosing between four tiers: Quartz, Pearl, Sapphire, and Diamond when securing the First’Expat Plan.

MSH International also offers the Start’Expat short-term travel insurance which offers basic health coverage perfect for digital nomads who are planning to travel around China. As frequent travelers, digital expats will also be able to benefit from travel insurance coverage.

If you want to secure an MSH International insurance plan, Pacific Prime can help you. As a global insurance broker with over 20 years of experience in the industry, our team of experts can help you sort through countless plans from different insurers to help you find the best insurance plans.

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Vista Nip

Content Creator at Pacific Prime

Vista is a content creator at Pacific Prime. With over 8 years of writing experience for online platforms on various topics such as luxury lifestyle and digital entertainment. He enjoys diving into complex and otherwise confusing topics, and creating easy-to-understand content for the readers to help them navigate through the topic - something that’s perfectly aligned with Pacific Prime’s motto of ‘simplifying insurance’.

Born and raised in the cultural melting pot that is Hong Kong, and having studied at an international school, Vista has developed a multicultural perspective that he uses in his writing and strives to connect to people of different backgrounds.

In his free time, Vista enjoys immersing himself in different worlds, from video games to light novels and movies. His hobbies help him expand his writing style by putting himself in the point-of-view of different people and characters.

MSH International Expat Health Coverage in China

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Compare quotes with a click of the button.

Kickstart Your Search for the Perfect Insurer

What Makes MSH International Good for Expats in China