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MSH International: Expat Health Insurance

MSH International offers health and life & disability insurance plans for expats across the globe so they are covered wherever they travel.

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MSH International offers expats health and life & disability insurance so they are protected wherever they go. A global insurer founded in 1974, MSH offers a worldwide network of healthcare providers for their members and customized plans with comprehensive benefits.

MSH International insures more than 3.5 million people. The provider has five regional head offices and 21 local service offices across the globe.

  • 24/7 Member Support Supporting Over 50 Languages
  • 50 Years of Experience
  • Vast Medical Network
  • Customizable Benefits
Plan Details

MSH International Global Insurance Solutions for Expats

MSH International offers international insurance solutions via family and individual plans. With five regional offices across the globe, they offer worldwide protection to their members. They also offer short-term international insurance plans for short-term travel coverage.

Why Expats Choose MSH International

Expats choose MSH International because of their inclusive coverage options, 24/7 member support, and vast medical network. With over 50 years of experience in providing expat insurance, they understand how to help their members stay protected and safe as they travel across the world.

Key Benefits of MSH International Plans

Some key benefits of MSH International plans are worldwide coverage, customizable benefits, superior member support, and easy claims processes. These key benefits set MSH International apart from other providers and help its members have peace of mind when traveling abroad.

  • Worldwide coverage:every insurance plan offered by MSH has the benefit of global coverage, allowing their members to access their benefits wherever they go.
  • Customizable benefits:MSH members can customize their level of coverage and additional benefits when choosing an international insurance plan. Expats can choose to tailor their plans with optional benefits like dental, maternity, or vision benefits.
  • Superior member support: MSH offers 24/7 member support through a multinational customer service team, available to help in over 50 different languages.
  • Convenient App: They also have an app that provides medical provider locators, country guides, and a portal to access your health records.
  • Easy claims process: MSH members can enjoy the easy claims process by submitting a picture of their claim directly from their phone. They can also keep up on the status of their reimbursements by viewing the statements online.
  • Extensive Provider Network: MSH International has more than one million networked medical providers worldwide.

MSH International Medical Plan Options

MSH international medical plans are available as an international health insurance option or a short-term international travel insurance plan. An international health insurance plan is designed for expats who travel frequently and for longer periods than a short-term travel insurance plan.

A short-term international travel insurance plan will cover basic medical emergencies and benefits, whereas an international health insurance policy can be customized to provide high levels of medical coverage, such as maternity or dental care.

MSH International Health Insurance for Expats

MSH International health insurance is available through First’Expat+ plans. These plans were designed to offer comprehensive ongoing coverage to expat individuals and families during their time abroad and to provide them with access to routine and emergency care.

MSH International First’Expat+ Plan Benefits

First’Expat+ plan core benefits come in four tiers of coverage: Hospi, Health, Health+, and Health+Child. After choosing your core benefits, you can further customize with four choices of annual limits and benefits: Quartz, Pearl, Sapphire, and Diamond.

Here is a brief description of the core benefits:

  • Hospi:covers hospital and medical evacuation
  • Health:covers routine healthcare services, third-party liability, and legal assistance services
  • Health+:covers vision and dental services
  • Health+Child:covers maternity services

Hospi

Covers hospital and medical evacuations

Health

Covers routine healthcare services, third-party liability, and legal assistance services

Health+

Covers vision and dental services

Health+Child

Covers maternity services

After choosing your core benefit, you can choose the level of annual limit through the Quartz, Pearl, Sapphire, or Diamond options. Quartz offers an annual limit of up to USD $625,000, with Diamond offering an annual limit of USD $2,000,000.

MSH International Hospi Options

MSH Hospi's core benefit covers hospitalization and medical evacuation. Benefit coverage will vary across the different tiers of coverage. Tiers include a Quartz, Pearl, Sapphire, and Diamond levels.

Quartz offers the most basic coverage, and Diamond offers the highest benefit limits. The following table compares the annual benefit limits of the four tiers of coverage on MSH International’s Hospi plan.

First’Expat+ Hospi Plan

  • Hospital and medical coverage
  • Annual limit up to USD $3,750,000 (outside the US)
  • Up to 100% hospital room coverage per day (outside the US)
  • 100% emergency hospitalization coverage

MSH International HOSPI Annual Benefit Limits (Outside of USA)
Levels of coverage Quartz Pearl Sapphire Diamond
Annual Limit USD $625,000 USD $1,250,000 USD $2,000,000 USD $3,750,000

Below is a table describing the Hospi core benefits like inpatient hospital rooms, emergency care, and intensive care, etc… (outside the USA) across the different tiers.

MSH International HOSPI Core Benefits Comparison (Outside of USA)
Levels of coverage Quartz Pearl Sapphire Diamond
Hospital room Private room $125 per day Private room $190 per day Private room $310 per day Private room up to 100%
Emergency Hospitalization 100% 100% 100% 100%
Intensive care 100% 100% 100% 100%
Surgical Procedures 100% 100% 100% 100%
Laboratory Tests, MRI, X-rays, Scans, Tomography 100% 100% 100% 100%
Hospitalized Emergency Dental Care 100% 100% 100% 100%
Cancer Treatment 100% 100% 100% 100%
Internal Surgical and Medical Prostheses and Devices 100% 100% 100% 100%
External Surgical and Medical Prostheses and Devices (limited to 2 prostheses) Up to USD $1,500 Up to USD $2,250 Up to USD $3,100 100%
Care Following Covered Hospitalization (USD) Home hospitalization: not covered Rehabilitation: 20 days per year Home hospitalization: $1,900 per year Rehabilitation: 30 days per year Home hospitalization: 20 days per year Rehabilitation: 40 days per year Home hospitalization: 30 days per year Rehabilitation: 50 days per year
Medical Assistance and Evacuation Provided by Europ Assistance Liaising with Europ Assistance doctors Local transfer by ambulance - air ambulance to the nearest hospital

Quartz

Annual limit USD
$625,000

Pearl

Annual limit USD
$1,250,000

Sapphire

Annual limit USD
$2,000,000

Diamond

Annual limit USD
$3,750,000

MSH International Health Options

MSH International Health plan’s core benefit covers hospitalization and medical evacuation in addition to routine healthcare, personal third-party liability and legal assistance. Below is a table describing the Health core benefit (outside the USA) across the different tiers.

First’Expat+ Health Plan

  • Covers routine healthcare services, third-party liability, and legal assistance services
  • Up to 100% for consultations with general practitioners, specialists, and specialist procedures
  • Up to 100% prescription drug coverage
  • Emergency dental care without hospitalization coverage up to USD $950 per year

Health Plan Consultations and Examinations (Outside of USA)
Levels of coverage Quartz Pearl Sapphire Diamond
Consultations with General Practitioners and Specialists as well as Specialist Procedures USD $100 per procedure or consultation USD $160 per procedure or consultation USD $225 per procedure or consultation 100%
Emergency Dental Care without Hospitalization USD $250 per year USD $375 per year USD $625 per year USD $950 per year
Psychiatry (Waiting period of 12 months) 5 sessions per year 10 sessions per year 15 sessions per year 20 sessions per year
Speech Therapy, Orthoptics, Occupational Therapy and Nursing Care USD $625 per year USD $1,900 per year USD $2,500 per year 100% up to 52 sessions per year
Physical Therapy and Physiotherapy USD $1,250 per year, up to 12 sessions per year USD $2,500 per year, up to 17 sessions per year USD $4,400 per year, up to 22 sessions per year 100% up to 32 sessions per year
Osteopathy and Chiropractic 10 sessions, with a maximum of USD $60 per session 15 sessions, with a maximum of USD $125 per session 25 sessions, with a maximum of USD $190 per session 100% up to 35 sessions

All tiers of the Health plan offer some prescription drug and durable medical equipment coverage. The diamond tier offers full coverage of prescription drugs.

The following table compares the coverage limits for prescribed drugs and durable medical equipment with MSH International’s Health plan.

Health Coverage for Prescribed Drugs and Durable Medical Equipment (Outside of USA)
Levels of coverage Quartz Pearl Sapphire Diamond
Prescription Drugs USD $3,800 per year USD $11,200 per year USD $18,800 per year 100%
Durable Medical Equipment (e.g. crutches) USD $1,250 per year USD $1,900 per year USD $3,100 per year USD $5,000 per year

Wellbeing and Wellness Coverage is available through MSH International’s Health plan. The Pearl, Sapphire, and Diamond tiers of coverage include a Preventative Package. This coverage package includes cervical screening, mammograms, prostate cancer screening, skin cancer screenings, and more.

The following table compares well-being and wellness coverage across the Quartz, Pearl, Sapphire, and Diamond coverage tiers through MSH International’s Health plan.

MSH International Hospi Plan: Wellbeing and Wellness Coverage (Outside of USA)
Levels of coverage Quartz Pearl Sapphire Diamond
Vaccinations and Preventative Treatments (USD) Adults: $250 per year Under 20: 100% Adults: $440 per year Under the age of 20: 100% Adults: $625 per year Under the age of 20: 100% 100%
Health Checkups (USD) Not covered $625 $625 every 3 years 100%
Preventive Package (USD) Not covered $625 $1,000 100%
Dietitian (USD) Not covered Not covered 2 sessions per year, up to $190 per consultation 3 sessions per year, up to $250 per consultation

Quartz

Annual limit USD
$625,000

Pearl

Annual limit USD
$1,250,000

Sapphire

Annual limit USD
$2,000,000

Diamond

Annual limit USD
$3,750,000

MSH International Health+ Options

MSH Health+ covers everything Hospi and Health does, with the addition of vision and dental benefits. Health+ is only available to members who have already chosen the Health benefits option.

MSH International’s Health+ Plan includes vision and dental coverage. Vision and dental coverage is customizable, allowing the policyholder to purchase one of four tiers of coverage. The four levels are called Quartz, Pearl, Sapphire, and Diamond.

Below is a table describing the Health+ core benefits for dental coverage (outside the USA) across the different tiers.

First’Expat+ Health+ Plan

  • Vision and dental services coverage
  • Annual limit (excluding orthodontics) USD $4,400 up to $750 per tooth
  • Up to USD $750 coverage for lenses & frames and cost of surgical treatments for vision correction

HEALTH+ Dental Benefits (Outside of USA)
Levels of coverage 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
Routine Dental Care, Dentures and Dental Implants, Dental Surgery, Periodontics Covered excluding periodontics Covered Covered Covered
Orthodontics up to the Age of 16 USD $500 per year for 3 years USD $1,000 per year for 3 years USD $1,500 per year for 3 years USD $1,900 per year for 3 years

The following table compares the benefit limits by tier of coverage. Quartz offers the most basic vision coverage, and Diamond offers the most coverage.

HEALTH+ Vision Benefits (Outside of USA)
Levels of coverage Quartz Pearl Sapphire Diamond
Lenses & Frames and Cost of Surgical Treatments for Visual Corrections (e.g. myopia, USD $125 USD $310 USD $500 USD $750
hyperopia, astigmatism)        
Corrective Contact Lenses including Disposable Lenses USD $125 per year USD $250 per year USD $375 per year USD $500 per year

Quartz

Annual limit USD
$625,000

Pearl

Annual limit USD
$1,250,000

Sapphire

Annual limit USD
$2,000,000

Diamond

Annual limit USD
$3,750,000

MSH International Health+Child Options

MSH International’s Health+Child plans cover all Hospi and Health+ benefits in addition to maternity coverage. This option can only be purchased in addition to the Health core benefit. This plan offers the most comprehensive medical coverage.

Below we have compiled a table of the Health+Child benefits across the different coverage levels.

First’Expat+ Health+Child Plan

  • Maternity coverage
  • Up to USD $13,800 per year for prenatal & postnatal care and childbirth without complications
  • Up to USD $27,600 per year for childbirth complications

HEALTH+CHILD BENEFITS (Outside of USA)
Levels of 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 (with a lifetime limit of $7,600)

MSH First’Expat+ plan benefit limits and coverage options differ when you include coverage in the USA due to the higher costs of healthcare services in the country. For more information on coverage prices within the U.S., you can view this MSH International brochure.

Quartz

Annual limit USD
$625,000

Pearl

Annual limit USD
$1,250,000

Sapphire

Annual limit USD
$2,000,000

Diamond

Annual limit USD
$3,750,000

MSH International Health Insurance Plan Zones

MSH offers five geographic zones for its members to choose from to offer them the best quality-to-price ratio. As healthcare costs can be much higher in some countries than others, expats looking to save money can choose a zone with only the countries they plan on visiting.

Zone 1: This zone includes all of the countries not listed in the other zones, including France

Zone 2: Aland Islands, Andorra, Angola, Argentina, Aruba, Azerbaijan, Bahrain, Barbados, Belarus, Belize, Belgium, Bolivia, Bosnia and Herzegovina, Bouvet Island, Bulgaria, Caribbean Countries, Chile, Colombia, Costa Rica, Croatia, Cyprus, Czech Republic (The), Denmark, Djibouti, Dominican Republic (The), Ecuador, Faroe Islands, Finland, French Southern and Antarctic Lands, Georgia, Germany, Greenland, Guatemala, Hungary, Iceland, Kazakhstan, Kuwait, Latvia, Lebanon, Liechtenstein, Luxembourg, Malaysia, Mexico, Monaco, Mozambique, Netherlands, Netherlands Antilles, Nigeria, Norway, Oman, Panama, Peru, Saint Lucia, Saint Vincent and the Grenadines, Saudi Arabia, Slovakia, South Africa, Svalbard and Jan Mayen, Sweden, Thailand, Ukraine, Uruguay, Venezuela, and Vietnam

Zone 3: Australia, Austria, Canada, Cocos Island, Cook Islands, Christmas Island, French Polynesia, Greece, Heard Island and McDonald Islands, Ireland, Israel, Italy, Japan, Marshall Islands, New Caledonia, New Zealand, Norfolk Island, Portugal, Qatar, Russia, Saint Kitts and Nevis, Saint Pierre and Miquelon, San Marino, Spain, Taiwan, The Holy See, Tokelau, Turkey, United Arab Emirates, Vanuatu, Wallis and and Futuna

Zone 4: Antigua and Barbuda, Anguilla, Bahamas (The), Bermuda, Brazil, British Indian Ocean Territory, British Virgin Islands, Caiman island, China, Falkland Islands, Guernsey, Hong Kong, Isle of Man, Jersey, Montserrat, Pitcairn islands, Puerto Rico, Saint Barthelemy, Saint Helena, Ascension and Tristan da Cunha, Saint Martin, Singapore, South Georgia and the South Sandwich Islands, Switzerland, Turks and Caicos Islands, and the United Kingdom

Zone 5: USA, Northern Mariana Islands, United States Minor Outlying Islands, U.S. Virgin Islands, and American Samoa

For their Start’Expat travel insurance plans, MSH International only offer two zone options: worldwide including the USA, or excluding the USA.

MSH International Short-Term Travel Insurance Plan

Short-term travel insurance is available through MSH’s Start’Expat plan. This plan offers the benefits of basic healthcare coverage, emergency assistance, lost luggage coverage, and death and disability coverage.

These plans were designed for expats looking for peace of mind for their vacations and short-term travel needs.

MSH International Start’Expat Plan Benefits

Start’Expat plans come with medical, emergency, and travel assistance benefits. Benefits limits will depend on whether you decide to include or exclude the U.S. in your zone of coverage. The plan has an annual benefit limit for medical coverage of USD $270,900

Below is a table detailing the overview of the Start’Expat plan medical care benefits.

Start’Expat Healthcare Benefits
Benefit Coverage
Medical or Surgical Hospitalization 100% of costs
Consultations with General Practitioners and Specialists 100% of costs (up to USD $86 per procedure beyond 2 consultations)
Pharmaceutical Costs USD $3,200

The following table shows the emergency medical evacuation and repatriation benefits. Note that the MSH International Start’Expat plan uses the term “assistance” in place of “evacuation” to mean transportation to the nearest healthcare facility.

Start’Expat Healthcare Benefits
Non-medical Travel Benefit Coverage Limit
Flight Delay Leading to a Missed Connection Payment of a fixed amount of USD $320
(only for technical reasons or due to weather conditions)  
Theft, Total or Partial Destruction, or Loss of Luggage During Transportation by a Carrier USD $2,160 ($27 deductible/suitcase) limited to 50% for valuables

MSH International Life & Disability Insurance Plans

MSH International offers a Lifeplan’Expat plan, with death and permanent disability coverage and the option of adding disability and income protection coverage. The Lifeplan’Expat protects your beneficiaries in the case of your passing and offers you financial support in case of disability.

MSH International Lifeplan’Expat Benefits and Coverage

Lifeplan’Expat provides a lump sum of money that can be paid to your beneficiaries in the event of your death, or it can be paid to you in the case of a permanent total disability. Members can choose the amount they prefer, anywhere between USD $30,000 and $1,200.000.

Members can also choose to double this amount in the event of an accident.

MSH International Life & Disability Optional Benefits

MSH members can choose the option of adding a disability benefit or an income protection benefit to their Lifeplan’Expat plans. These benefits offer additional coverage for unexpected events that could prevent you from working.

  • Disability benefit: Offers a lump sum of up to USD $1,200,000 (depending on the degree of the disability) if you become disabled to cope with unexpected expenses.
  • Income protection benefit: Provides financial support of 70% of your income in case of injury or illness prevents you from working. This support takes the form of classic daily allowances or short-term/long-term disability benefits.

Working with a Broker to Get an MSH International Plan

Many choose to work with insurance brokers to secure insurance plans because of their unbiased, quality advice and expertise on all things insurance. By collaborating with one of our insurance experts at Pacific Prime, you can streamline the often overwhelming process of finding an insurance policy.

For more information on MSH international and their global plans or to compare quotes from other insurers, reach out to a Pacific Prime advisor today!

Frequently Asked Questions

Does MSH International offer online services?

MSH offers a mobile app with resources for quotes, downloadable brochures, and member support options. Members can pay their premiums securely online, file claims, view reimbursement statements, and access a database of healthcare providers from across the globe.

Does MSH International have waiting periods?

MSH International medical plans have waiting periods for specific benefits such as psychiatric care, maternity, dental, and vision services. For standard hospitalization coverage, there is no waiting period in place.

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