MSH International Health Insurance – First Expat Plus Plan

Expat Financial offers the MSH International expatriate health insurance policy to expatriates under age 71 who reside around much of the world and need access to global medical coverage. The First’Expat + health insurance you total peace of mind with healthcare coverage appropriately suited to expatriates traveling to countries where healthcare costs can be very high. MSH International is a subsidiary of the France based SIACI Saint Honore. MSH has an extensive medical network that will allow expatriates to receive prompt medical care and reimbursement while living overseas.

How do I get a quote and apply?

You can obtain a quote via our web site via the above quote link and you will be connected to MSH International’s online quote page where you can select from the different coverage options and levels.  You can also download the application and send to our office via email, fax or by post.

The  First’Expat + plan offers expats four levels of healthcare – Quartz, Pearl, Sapphire and Diamond. In addition, you can choose from a variety of deductible levels to control your premium costs. You can choose to include or exclude the United States. 

    All of the options can be taken out individually except for Maternity which must be purchased along with the Dental/Vision Option as part of an First Expat Plus health plan.

    • First’Expat +
      QUARTZ
    • First-level
      protection

      Annual limit
      on benefits:
      $500,000 /
      €400,000

    • First’Expat +
      PEARL
    • More generous
      coverage

      Annual limit
      on benefits:
      $1,000,000 / €800,000

    • First’Expat +
      SAPPHIRE
    • First-level
      premium coverage

      Annual limit
      on benefits:
      $2,000,000 / €1,600,000

    • First’Expat +
      DIAMOND
    • Total peace
      of mind

      Annual limit
      on benefits:
      $3,000,000 / €2,400,000

    Please read more of the details on the international health insurance coverage from MSH International and get a quote today.

    Read brochure:

    IMG_11022016_204814

    In addition, if you want an extended coverage, please choose from the following:

    MATERNITY

    MEDICAL ASSISTANCE/REPATRIATION

    LIFE & DISABILITY

    VISION/DENTAL

    Note: All of the options can be taken out individually except for Maternity which must be purchased along with the Dental/Vision Option as part of an First Expat Plus health plan.

    If you want to reduce the amount of your premiums, you can choose a deductible from the amounts available below:

    USD 500/
    EUR 350

    USD 1,000/
    EUR 750

    USD 2,500/
    EUR 2,000

    USD 5,000/
    EUR 4,000

    • The deductible is the amount you must pay towards your medical expenses, per insurance year, before reimbursement begins. 

    Important Notes on the MSH International Health Plan

    Please read the plan terms and conditions carefully before applying. If you apply once you click on the above quote link, you will be connected to MSH International’s online quote page where you can select from the different plan level, options and deductibles. After receiving your quote via email, you will then be able to review the benefits and apply online. The plan is not available to local nationals or Americans currently residing in the USA via our web site.

    The plan is only available to expatriates who are over age 18 and under age 65 and may not be available in some countries. The plan is available for expats up to 71 years old if they are under paid employment. Generally speaking, First Expat+ offers worldwide coverage either including or excluding the USA, except in high risk countries, but even in these countries, coverage might still be available. Please check with underwriter and read the plan terms and conditions for full details.

    Excluded countries for health benefits for the MSH International Plan

     Afghanistan
     Bangladesh
     Burundi
     Eritrea
     Irak
     Liberia
     Libya
     Mauritania
     Pakistan
     Central African Rep.
     Somalia
     Sudan
     South Sudan
     Syria
     Chad
     Yemen

    Countries that require the accord from the Insurer for health benefits

     Nigeria
     Niger
     Dem Rep. of the Congo
     Sierra Leone

    MSH health coverage will be terminated at the end of the calendar quarter during which the Member returns permanently to their Country of nationality (or Home country). However, if the member occasionally visits his home country, he or she will be covered the same way if his home country is in the same (or a lower) geographical zone as his host country, or for emergency only if his home country is in a higher zone.

    Final premium and coverage are subject to medical underwriting approval and the plans are not PPACA (Obama Care) compliant.

    To learn more, contact us or click HERE for an online quote.