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 LivExpat global 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 has an extensive medical network that will allow expatriates to receive prompt medical care and reimbursement while living overseas. Here is a short summary of the coverage options:
- COMPREHENSIVE MEDICAL COVERAGE – Hospitalization, specialists, routine & vision care, prescription drugs and maternity services
optional dental plans including basic care, major services and orthodontics - EMERGENCY MEDICAL COVERAGE – Transportation, hospitalization, specialists, prescription drugs, and mental health support
- LIFE & DISABILITY – Life, Long Term Disability, Temporary Total Disability, Accidental Death & Dismemberment and Permanent Total Disability
- ASSISTANCE & EVACUATION – Transportation and coordination in case of a medical emergency
Medical Plan Design Options
The LivExpat plan from MSH offers several design options for expatriates:
- 5 levels of medical coverage including vision care
- 3 geographical zones including high-risk locations coverage
- coverage from 1 employee and local nationals up to 10% in a group plan
- no medical underwriting for groups of 4 or more lives
- standalone coverage or comprehensive program
How do I get a quote and apply?
You can obtain a quote via our health insurance quote request page and note that you want the MSH plan in your remarks. Or we can quote one of our more comprehensive policies.
Important Notes on the MSH International Health Plan
Please read the plan terms and conditions carefully before applying.
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.
Note that you have to be vaccinated for Covid-19 to apply for their plans.
Final premium and coverage are subject to medical underwriting approval and the plans are not PPACA (Obama Care) compliant.
To learn more, contact us for more details.
FAQS
What is MSH International Health Insurance?
MSH International Health Insurance refers to international healthcare coverage options designed for expatriates, globally mobile individuals, and organizations with international healthcare needs. Available benefits and plan features depend on the selected policy and individual circumstances.
Who may need MSH International Health Insurance?
MSH International Health Insurance may be suitable for expatriates, globally mobile individuals, and organizations seeking international healthcare coverage options. Eligibility and available plans depend on factors such as location, personal circumstances, and policy requirements.
What types of healthcare benefits can be included in MSH International Health Insurance plans?
Depending on the selected plan, benefits may include inpatient and outpatient care, specialist consultations, prescription benefits, emergency medical services, and other healthcare options. Available benefits vary based on policy terms and coverage levels.
How do I choose the right MSH International Health Insurance plan for my needs?
Choosing a suitable plan depends on factors such as your country of residence, destination countries, healthcare requirements, preferred coverage level, budget, and the benefits included in the policy.
Can MSH International Health Insurance cover medical needs in different countries?
Some international health insurance plans are designed for individuals who live or travel across multiple countries. Coverage areas and available benefits depend on the selected plan, geographic limits, and policy terms.
What should I check before choosing an MSH International Health Insurance plan?
Before selecting a plan, review the coverage area, included benefits, exclusions, deductibles, policy limits, eligibility requirements, and any conditions that may apply to your situation.
