Expat Financial offers the MSH International expat life insurance plan to expatriates residing overseas. If you are moving abroad, it is important to protect your family with life insurance and your ability to earn an income with disability insurance coverage. Expat Financial has become a leader in sourcing individual life and disability insurance plans for individual citizens who are not able to obtain local coverage or where local life and disability coverage is not available or desirable. MSH International is a subsidiary SIACI Saint Honore, which is based in Paris France.
The MSH plan offers you and your family members vital life and disability coverage that your expat employer may be unable or unwilling to provide. Many expatriates work as consultants or as business owners and have to source global insurance to help protect themselves and their loved ones in the event of an unforeseen death or disability. Obtaining expat life insurance and disability coverage is vital if you are living abroad.
What Coverage is Provided?
The MSH International plan offers several types of benefits in USD or in Euro:
- Death/Permanent total disability benefit – choose a lump sum amount between €25,000/$30,000 and €1,000,000/$1,200,000
(in multiples of €25,000/$30,000). You can also opt to double this lump sum in case of Accident
- Disability benefit
- Sick leave benefit
What are the details?
How do I get a quote and apply?
You can obtain a quote via our web site via the above quote link, you will be connected to MSH International’s online quote page where you can select from the different coverage options and levels. You can then print the quote online, complete the application and email, fax or post to our office. You will then be contacted by the underwriting team for any additional medical requirements and proof of residence abroad.
Please read the MSHI plan terms and conditions carefully before applying. The plan is not available to local nationals or Americans currently residing in the USA via our web site. Final premium and coverage are subject to medical underwriting approval and the plans are not portable back to your country of citizenship in some circumstances. The plan is also not available in certain countries. The plan is only available to expatriates who are over age 18 and under age 65 and may not be available in some countries.
If you are looking for a MSH First Expat health plan, you can examine the plan details HERE.
Excluded Countries for the MSH International Life & Disability plan:
Afghanistan, Algeria, Bangladesh, Burundi, Eritrea, Iraq, Liberia, Libya, Mali, Mauritania, Niger, Nigeria, Pakistan, Central African Rep, Somalia, Sudan, South Sudan, Syria, Chad & Yemen. Note that this list is subject to change at any time without notice.
Countries that require the accord from the Insurer for life & disability benefits:
Armenia, Azerbaijan, Burma, Colombia, Egypt, Ethiopia, Georgia, Iran, Israel, Kenya, Lebanon, Philippines, Dem Rep. of the Congo, Turkey, Western Sahara, Sierra Leone & Ukraine. Note that this list is subject to change at any time without notice.