{"id":14438,"date":"2024-05-09T21:11:15","date_gmt":"2024-05-09T13:11:15","guid":{"rendered":"https:\/\/www.pacificprime.com\/blog\/?p=14438"},"modified":"2024-07-25T19:44:17","modified_gmt":"2024-07-25T11:44:17","slug":"msh-international-expat-health-coverage-china","status":"publish","type":"post","link":"https:\/\/www.pacificprime.com\/blog\/msh-international-expat-health-coverage-china.html","title":{"rendered":"MSH International Expat Health Coverage in China"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Are you an expat looking for <\/span><a href=\"https:\/\/www.pacificprime.com\/country\/international-health-insurance-expats-china\/\"><span style=\"font-weight: 400;\">international health insurance in China<\/span><\/a><span style=\"font-weight: 400;\">? 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 <a href=\"https:\/\/www.pacificprime.com\/blog\/cigna-insurance-in-china.html\">Cigna<\/a> and <a href=\"https:\/\/www.pacificprime.com\/blog\/geoblue-insurance-in-china.html\">GeoBlue<\/a>.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-73' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-73-new.css?v1.67' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-73-link CompareNowbutton\">\n  <div class=\"inserter-73-new\">\n    <div class=\"inserter-left-box\">\n        <h3>Kickstart Your Search for the Perfect Insurer<\/h3>        \n        <div class=\"inserter-compare-box\">\n            <p>Compare over <br>50,000 Plans <br>from Top Insurers<\/p>\n            <button >Compare NOW<\/button>\n        <\/div>\n    <\/div>\n    \n    \n    <div class=\"inserter-img-box\">\n        <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/mobile.png\" alt=\" \" class=\"banner-img-mobile\">            \n    <\/div>\n  <\/div>\n<\/a>\n\n<style>\n\n.inserter-73-new .inserter-img-box amp-img {right: -31%;}\n@media (max-width: 1199px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -20px;\n  }\n@media (max-width: 991px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -10px;\n  }\n}\n@media (max-width: 768px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: auto;\n    width: 30%;\n  }\n}\n@media (max-width: 512px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: 200px;\n  }\n}\n<\/style>\n\n<\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">What Makes MSH International Good for Expats in China<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-14440 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/oriental-pearl-tower-and-shanghai-skyline-china.webp\" alt=\"Image of Oriental Pearl Tower And Shanghai Skyline, China with text overlay of &quot;What Makes MSH International Good for Expats&quot;\" width=\"1300\" height=\"731\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/oriental-pearl-tower-and-shanghai-skyline-china.webp 1300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/oriental-pearl-tower-and-shanghai-skyline-china-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/oriental-pearl-tower-and-shanghai-skyline-china-600x337.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/oriental-pearl-tower-and-shanghai-skyline-china-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/oriental-pearl-tower-and-shanghai-skyline-china-150x84.webp 150w\" sizes=\"auto, (max-width: 1300px) 100vw, 1300px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">MSH International is a great insurance choice for expats in China due to its <\/span><b>inclusive coverage<\/b><span style=\"font-weight: 400;\"> options, its <\/span><b>vast medical network<\/b><span style=\"font-weight: 400;\"> which is considered one of the largest in the country, and its <\/span><b>24\/7 member support options<\/b><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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\u2019s network features over one million providers worldwide.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<p><span data-sheets-root=\"1\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:14915,&quot;3&quot;:{&quot;1&quot;:0},&quot;4&quot;:{&quot;1&quot;:2,&quot;2&quot;:65280},&quot;9&quot;:0,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:255},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:8}\"><div class='code-block code-block-25' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_China_1.jpg\" alt=\"Blog Banner China 1\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">MSH International First\u2019Expat+ Plan in China<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">MSH\u2019s International<\/span> <span style=\"font-weight: 400;\">First\u2019Expat+ plan<\/span> <span style=\"font-weight: 400;\">is designed to offer comprehensive coverage to expats and expat families. The plan comes in four options, <\/span><b>Hospi, Health, Health+, and Health+Child.<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Each tier can also be further customized with four choices:<\/span><b> Quartz, Pearl, Sapphire, and Diamond<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">MSH International Hospi Options<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">MSH International\u2019s 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.\u00a0<\/span><\/p>\n<p><b>The core benefits of the Hospi option include:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Hospital Room coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emergency Hospitalization<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Intensive Care<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Surgical Procedures<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Laboratory Tests, MRI, X-rays, Scans, Tomography<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Hospitalized Emergency Dental Care<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cancer Treatment<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Internal Surgical and Medical Prostheses and Devices<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">External Surgical and Medical Prostheses and Devices<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Care Following Covered Hospitalization<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medical Assistance and evacuation Provided by Europ Assistance<\/span><\/li>\n<\/ul>\n<p><b>MSH International Hospi option annual limits by tier:<\/b><\/p>\n<table style=\"border-color: black; margin-left: auto; margin-right: auto;\" border=\"1\">\n<tbody>\n<tr>\n<td><strong>Tier<\/strong><\/td>\n<td><strong>Quartz<\/strong><\/td>\n<td><strong>Pearl<\/strong><\/td>\n<td><strong>Sapphire<\/strong><\/td>\n<td><strong>Diamond<\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong>Annual Limit<\/strong><\/td>\n<td>USD $625,000<\/td>\n<td>USD $1,250,000<\/td>\n<td>USD $2,000,000<\/td>\n<td>USD $3,750,000<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><span style=\"font-weight: 400;\">MSH International Health Options<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<p><b>Core benefits of MSH International Health option:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Consultations with General Practitioners and Specialists as well as Specialist Procedures<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emergency Dental Care without Hospitalization<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Psychiatry<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Speech Therapy Orthoptics, Occupational Therapy, and Nursing care<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Physical Therapy and Physiotherapy<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Osteopathy and Chiropractic<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Prescription Drugs<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Durable Medical equipment<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Vaccinations and preventative Treatments<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Health Checkups<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Preventive Package<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dietitian<\/span><\/li>\n<\/ul>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-60' style='margin: 8px 0; clear: both;'>\n<!-- Blog Banner Stylesheet Import -->\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/css\/m-blog-banner.css?ver4.1' type='text\/css' media='all'\/>\n<style>\n@media (min-width: 1200px) {\n  div.banner-insurers-container {\n    background-image: url('https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner  \/img\/blog-banner-china-bg.png');\n\n  }\n}\n<\/style>\n<!-- Blog Banner Stylesheet Import ends -->\n<!-- Blog Banner China -->\n<div class=\"banner-insurers-container\" style=\"background-image: url(https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/blog-banner-china-bg-mobile.png);\n\">\n  <h3 class=\"banner-insurers-title\">\n      Our Top Insurance Recommendations <span>for China<\/span>\n  <\/h3>\n  <a class=\"banner-insurers-link\" href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\">\n    <div class=\"banner-insurers-card\">\n      <div class=\"banner-insurers-card-image\">\n        <img loading=\"lazy\" decoding=\"async\" class=\"bupa\" width=\"130\" height=\"130\" style=\"width: 50px; height: 50px;\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/logo-msh.png\" alt=\"MSH\">\n      <\/div>\n      <div class=\"banner-insurers-card-content\">\n        <ul>\n          <li>24\/7 Member Support<\/li>\n          <li>Vast Medical Network<\/li>\n          <li>Customizable Benefits<\/li>\n        <\/ul>\n        <button class=\"banner-insurers-card-button CompareNowbutton chirecbutton\" onclick=\"window.location.href='https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog';\">\n        Get a Quote NOW\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/a>\n  <a class=\"banner-insurers-link\" href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\">\n    <div class=\"banner-insurers-card\">\n      <div class=\"banner-insurers-card-image\">\n        <img loading=\"lazy\" decoding=\"async\" width=\"130\" height=\"130\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/logo-cigna.png\" alt=\"Cigna\">\n      <\/div>\n      <div class=\"banner-insurers-card-content\">\n        <ul>\n          <li>Worldwide Coverage (excluding the US)<\/li>\n          <li>Access to Cigna's trusted global network of hospitals and doctors<\/li>\n          <li>4 Core Insurance Plans<\/li>\n        <\/ul>\n        <button class=\"banner-insurers-card-button CompareNowbutton chirecbutton\" onclick=\"window.location.href='https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog';\">\n        Get a Quote NOW\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/a>\n<\/div>\n<!-- Blog Banner China ends --><\/div>\n<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">MSH International Health+ Option<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The Health+ option is <\/span><b>only available as an add-on option for expats with the Health option<\/b><span style=\"font-weight: 400;\"> 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.<\/span><\/p>\n<p><b>Health+ dental and vision benefits:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Routine Dental Care, Dentures and Dental Implants, Dental Surgery, Periodontics<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Orthodontics up to the Age of 16<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lenses &amp; Frames and Cost of Surgical treatments for Visual Corrections<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Corrective Contact Lenses including Disposable Lenses<\/span><\/li>\n<\/ul>\n<p><b>Health+ dental benefits annual limit table:<\/b><\/p>\n<table style=\"border-color: black; margin-left: auto; margin-right: auto;\" border=\"1\">\n<tbody>\n<tr>\n<td><\/td>\n<td><strong>Quartz<\/strong><\/td>\n<td><strong>Pearl<\/strong><\/td>\n<td><strong>Sapphire<\/strong><\/td>\n<td><strong>Diamond<\/strong><\/td>\n<\/tr>\n<tr>\n<td>Annual Limit (excluding orthodontics)<\/td>\n<td>USD $1,250 up to $310 per tooth<\/td>\n<td>USD $1,900 up to $500 per tooth<\/td>\n<td>USD $2,500 up to $625 per tooth<\/td>\n<td>USD $4,400 up to$750 per tooth<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><span style=\"font-weight: 400;\">MSH International Health+Child Options<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Like most maternity insurance, certain benefits in the Health+Child option have a waiting period.<\/span><\/p>\n<p><b>Health+Child option benefits:<\/b><\/p>\n<table style=\"border-color: black; margin-left: auto; margin-right: auto;\" border=\"1\">\n<tbody>\n<tr>\n<td><strong>Coverage<\/strong><\/td>\n<td><strong>Quartz<\/strong><\/td>\n<td><strong>Pearl<\/strong><\/td>\n<td><strong>Sapphire<\/strong><\/td>\n<td><strong>Diamond<\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong>Prenatal &amp; Postnatal Care and Childbirth without Complications<\/strong><\/td>\n<td>USD $4,400 per year<\/td>\n<td>USD $6,250 per year<\/td>\n<td>USD $10,000 per year<\/td>\n<td>USD $13,800 per year<\/td>\n<\/tr>\n<tr>\n<td><strong>Childbirth Complications<\/strong><\/td>\n<td>USD $8,800 per year<\/td>\n<td>USD $12,500 per year<\/td>\n<td>USD $20,000 per year<\/td>\n<td>USD $27,600 per year<\/td>\n<\/tr>\n<tr>\n<td><strong>Fertility Treatment (waiting period of 12 months)<\/strong><\/td>\n<td>Not covered<\/td>\n<td>USD $1,100 per attempt (with a lifetime limit of $4,400)<\/td>\n<td>USD $1,500 per attempt (with a lifetime limit of $6,000)<\/td>\n<td>USD $1,900 per attempt ( lifetime limit of $7,600)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span data-sheets-root=\"1\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:14915,&quot;3&quot;:{&quot;1&quot;:0},&quot;4&quot;:{&quot;1&quot;:2,&quot;2&quot;:16776960},&quot;9&quot;:0,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:255},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:8}\"><div class='code-block code-block-28' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_China_4.jpg\" alt=\"Blog Banner China 4\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">MSH International Start\u2019Expat Plan in China<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The MSH International Start\u2019Expat 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.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The Start\u2019Expat plan has an <\/span><b>annual benefit limit of USD $270,900<\/b><span style=\"font-weight: 400;\"> for medical coverage.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Start\u2019Expat plan benefits and coverage table:<\/span><\/p>\n<table style=\"border-color: black; margin-left: auto; margin-right: auto;\" border=\"1\">\n<tbody>\n<tr>\n<td><strong>Benefit<\/strong><\/td>\n<td><strong>Coverage<\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong>Medical or Surgical Hospitalization<\/strong><\/td>\n<td>100% of Costs<\/td>\n<\/tr>\n<tr>\n<td><strong>Consultation with General Practitioners and Specialists<\/strong><\/td>\n<td>100% of Costs (up to USD $86 per procedure beyond 2 consultations)<\/td>\n<\/tr>\n<tr>\n<td><strong>Pharmaceutical Costs<\/strong><\/td>\n<td>USD $3,200<\/td>\n<\/tr>\n<tr>\n<td><strong>Flight Delay Leading to Missed Connection<\/strong><\/td>\n<td>Fixed Payment of USD $320<\/td>\n<\/tr>\n<tr>\n<td><strong>Theft, Total or Partial Destruction, or Loss of Luggage during Transportation by a carrier<\/strong><\/td>\n<td>USD $2,160 ($27 deductible\/suitcase) limited to 50% of valuables<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span data-sheets-root=\"1\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:14915,&quot;3&quot;:{&quot;1&quot;:0},&quot;4&quot;:{&quot;1&quot;:2,&quot;2&quot;:65280},&quot;9&quot;:0,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:255},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:8}\"><div class='code-block code-block-27' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_China_3.jpg\" alt=\"Blog Banner China 3\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Securing Insurance Through a Broker<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-14441 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/insurance-broker-with-pencil-and-laptop.webp\" alt=\"Image of Insurance Broker With Pencil And Laptop with text overlay of &quot;Securing Insurance Through a Broker&quot;\" width=\"1300\" height=\"731\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/insurance-broker-with-pencil-and-laptop.webp 1300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/insurance-broker-with-pencil-and-laptop-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/insurance-broker-with-pencil-and-laptop-600x337.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/insurance-broker-with-pencil-and-laptop-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/insurance-broker-with-pencil-and-laptop-150x84.webp 150w\" sizes=\"auto, (max-width: 1300px) 100vw, 1300px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">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 <\/span><a href=\"https:\/\/www.pacificprime.com\"><span style=\"font-weight: 400;\">Pacific Prime<\/span><\/a><span style=\"font-weight: 400;\">. Securing your insurance policy through a broker offers several advantages over insurance agents.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-75' style='margin: 8px 0; clear: both;'>\n<!--<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-banner_V2_China.png\" alt=\"Insurers recommendation blog banner China v2\" width=\"1138\" height=\"493\" \/><\/button><\/p>-->\n\n<!-- Blog Banner Stylesheet Import -->\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/css\/m-blog-banner-v2.css?ver5.2' type='text\/css' media='all'\/>\n<style>\n@media (min-width: 1200px) {\n  div.banner-insurers-card-content-v2 ul {\n    margin-top: auto;\n    margin-bottom: auto;\n  }\n}\n<\/style>\n<!-- Blog Banner Stylesheet Import ends -->\n<!-- Blog Banner China - v2 -->\n<div class=\"banner-insurers-container-v2\">\n  <h3 class=\"banner-insurers-title-v2\">\n      Our Top Insurance Recommendations for China\n  <\/h3>\n  <a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\">\n    <div class=\"banner-insurers-card-v2\">\n      <div class=\"banner-insurers-card-image-v2\">\n        <img loading=\"lazy\" decoding=\"async\" class=\"msh\" width=\"110\" height=\"110\"\n            src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/logo-msh.png\"\n            alt=\"MSH\">\n      <\/div>\n      <div class=\"banner-insurers-card-content-v2\">\n        <ul>\n          <li>24\/7 Member Support<\/li>\n          <li>Vast Medical Network<\/li>\n          <li>Customizable Benefits<\/li>\n        <\/ul>\n        <button class=\"banner-insurers-card-button-v2 CompareNowbutton chirecbutton\" onclick=\"window.location.href='https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog';\">\n          Get a Quote NOW\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/a>\n  <a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\">\n    <div class=\"banner-insurers-card-v2\">\n      <div class=\"banner-insurers-card-image-v2\">\n        <img loading=\"lazy\" decoding=\"async\" width=\"130\" height=\"130\"\n            src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/logo-cigna.png\"\n            alt=\"Cigna\">\n      <\/div>\n      <div class=\"banner-insurers-card-content-v2\">\n        <ul>\n          <li>Worldwide Coverage (excluding the US)<\/li>\n          <li>Access to Cigna's trusted global network of hospitals and doctors<\/li>\n          <li>4 Core Insurance Plans<\/li>\n        <\/ul>\n        <button class=\"banner-insurers-card-button-v2 CompareNowbutton chirecbutton\" onclick=\"window.location.href='https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog';\">\n          Get a Quote NOW\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/a>\n<\/div><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Frequently Asked Questions<\/span><\/h2>\n<h3><span style=\"font-weight: 400;\">Does MSH have direct billing in China?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Can I add dependents to my MSH International plan?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">It is possible to add a dependent to your MSH International plan, however it depends on your plan.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Does MSH cover medical evacuation and repatriation?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Most of MSH International\u2019s plans cover medical evacuations as well as repatriation to your home country if necessary.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Does MSH International have online services\/support?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<p><span data-sheets-root=\"1\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:14915,&quot;3&quot;:{&quot;1&quot;:0},&quot;4&quot;:{&quot;1&quot;:2,&quot;2&quot;:65280},&quot;9&quot;:0,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:255},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:8}\"><div class='code-block code-block-29' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_China_5.jpg\" alt=\"Blog Banner China 5\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Conclusion<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For expats and expat families, the First\u2019Expat 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\u2019Expat plan: Hospi, Health, Health+, and Health+Child.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Expats can also further customize their plans by choosing between four tiers: Quartz, Pearl, Sapphire, and Diamond when securing the First\u2019Expat Plan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">MSH International also offers the Start\u2019Expat 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.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you want to secure an MSH International insurance plan, Pacific Prime can help you. <\/span><span style=\"font-weight: 400;\">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 <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/\"><span style=\"font-weight: 400;\">best insurance plans<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><a href=\"https:\/\/www.pacificprime.com\/contact-us\/\"><span style=\"font-weight: 400;\">Contact us<\/span><\/a><span style=\"font-weight: 400;\"> today for a free plan comparison and an <\/span><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one\/\"><span style=\"font-weight: 400;\">obligation-free quote<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span data-sheets-root=\"1\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:14915,&quot;3&quot;:{&quot;1&quot;:0},&quot;4&quot;:{&quot;1&quot;:2,&quot;2&quot;:65280},&quot;9&quot;:0,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:255},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:8}\"><div class='code-block code-block-26' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_China_2.jpg\" alt=\"Blog Banner China 2\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>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. Are you an expat looking for international health insurance in China? In this article, we will talk about &#8230;<\/p>\n","protected":false},"author":71,"featured_media":14439,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"categories":[1713,570],"tags":[],"class_list":["post-14438","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-expat-insurance","category-health"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>MSH International Expat Health Coverage in China<\/title>\n<meta name=\"description\" content=\"Looking to secure health insurance in China? 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