MSH International

What MSH International is

MSH International's own legal notice describes it plainly: "Insurance brokerage company registered with ORIAS under no. 07 002 751." That makes MSH, in French regulatory terms, a broker rather than an insurer, yet its product pages present First'Expat+ and LifePlan'Expat as MSH's own branded plans, since "MSH designs international health solutions for you," rather than comparing other companies' policies side by side. The site refers to "the insurers and assistance providers with whom we design" its plans but names no underwriter for either product. MSH itself is "A simplified joint stock company (Société par Actions Simplifiée) with a capital of €2,500,000," "Registered with the Paris Trade and Companies Register under no. 352 807 549," and, per its legal notice, "Company subject to the French Prudential Supervision and Resolution Authority." Its newsroom describes MSH International as "a subsidiary of the Diot-Siaci Group."

The about page traces the company back to 1974: "Formed in 1974, MSH initially set out to provide support to the globally-mobile employees of large French businesses." It began selling to individuals living outside their home country after a later acquisition, and the same page says that, grouped under the MSH name, "we have covered over 700,000 lives worldwide." The homepage splits its audience into segments: "Personal mobility" for individuals, an "International missions" track for "IOs & NGOs" whose own line reads "Carry out your assignments anywhere in the world," a TPA service aimed at insurers, and a distribution-partner track for brokers.

The individual range is wider than one plan. The site's menu lists First'Expat+ "For those going to live abroad for 1 year or more with a well-defined project," Start'Expat "For people aged over 36 who are going abroad for several months," neoExplore "For adventurers under 36 exploring the world," and student and working holiday products alongside them. First'Expat+ is the long-stay health plan this listing centers on; LifePlan'Expat is a separate life and disability product sold beside it, not medical cover.

What First'Expat+ covers

First'Expat+ is built as a modular plan: buyers "Choose your country, one of the four levels of coverage available, and add the options you want," described elsewhere on the page as "Hospitalization, repatriation, and even routine healthcare if you want it: essential, ready-to-use benefits." The core hospitalization block lists emergency and planned hospitalization, a hospital room, emergency medical transportation, repatriation to the country of expatriation and assistance in the event of death. Add-on modules named on the page are "Routine healthcare, Vision & Dental or Maternity." The maternity option lists childbirth classes, pre and post natal care, childbirth and fertility treatment, and the vision and dental option runs from emergency care to routine care and orthodontics.

The plan page prices three packages, all for one destination, Indonesia in what it calls zone Z1, and all with the same deductible:

• Quartz, Hospi level: "From €13/month (deductible of €750)," with an upper limit of €500,000.
• Pearl, Health level: "From €23/month (deductible of €750)," with an upper limit of €1,000,000. The page tags Pearl "Preferred Solution."
• Sapphire, Health + Child level: "From €46/month (deductible of €750)," with an upper limit of €1,600,000.

The page adds that the price is "shown for reference only. Final amount may vary." It also lets buyers "Choose an annual deductible when you take out your health insurance plan to reduce your annual premium," with "Several deductible amounts available," though only the €750 figure is printed. A separate Premium Assistance option adds a "24/7 assistance platform," "Medical repatriation to your country of origin," a round trip to visit a loved one in hospital and personal liability coverage. The page also promises "Coverage from the 1st euro, 24/7 assistance, and claims processed immediately and via the app." A connected-health benefit lets members "Consult general practitioners, specialists or psychologists remotely" through the same app, and buyers can "Choose from our 2 million providers, or your preferred practitioner." MSH's medical-providers page says that network "includes around 2 million healthcare providers across all medical specialties in 178 countries."

LifePlan'Expat

LifePlan'Expat is structured differently. It offers "death/permanent total disability (PTD) lump sum and options, infirmity lump sum and/or daily allowances," with lump sums "of up to €1,000,000/$1,200,000." Cover runs "up to age 70, even if your health were to decline," and a death benefit can be doubled "in the event of an accident." Three named tiers are priced monthly: "Essential from €4,42," "Optimal from €4,74," and "Total from €10,22." Both the death and the infirmity lump sums range "from €25,000/$30,000 to €1,000,000/$1,200,000," an amount chosen "at the time of enrollment." The daily allowance is set by the buyer too: "If you are on sick leave from work due to illness or accident, we will pay you a daily allowance," with the amount chosen "based on your income and the duration of your coverage."

Who can buy it and how it works

First'Expat+ is aimed at people moving abroad "for 1 year or more." The page sets out a four-step purchase: tell MSH where you are going and pick a package, receive a quote "in just a few minutes," "Complete the online health questionnaire," and then enroll "When your questionnaire is approved." Enrollment follows the approval of that questionnaire rather than being issued automatically. The page links general terms and conditions for the healthcare cover and for the standard and premium assistance, plus a summary of benefits for "worldwide outside USA."

The service runs digitally: buyers "Sign up for the plan, download your documents, and submit your claims directly online." The provider network works on a cashless basis, "Coverage through direct billing: No cash advances needed from insured members," which the medical-providers page says "guarantees easy and immediate access to care." MSH also promotes "Cost containment for limited out-of-pocket expenses: Adjusted rates that limit out-of-pocket expenses for insured members, without compromising on the quality of services." Assistance runs "24/7 in your preferred language," and MSH describes itself group-wide as running "6 claims departments around the world and 24/7 availability."

The plan page gives no pre-existing condition rule, waiting period, exclusion list, claim deadline or renewal term, and names no underwriter. LifePlan'Expat states an upper age of 70 but no minimum.

Who it suits

MSH International suits a reader planning a move abroad of a year or more who wants to see real numbers early, since First'Expat+ prints a monthly price, a deductible and an upper limit for three of its packages in one example market rather than hiding every figure behind a quote form. The spread between Quartz at a €500,000 upper limit and Sapphire at €1,600,000 gives a sense of how the tiers are built, and the optional modules let a buyer add routine care, vision and dental or maternity without paying for all of them. It also suits an organization sending staff on international assignments, since the homepage carries a dedicated "International missions" track for "IOs & NGOs," and a reader who wants life and disability cover under the same brand through LifePlan'Expat.

It suits a reader less well if they want the name of the insurer standing behind the plan before they buy, since the legal notice identifies MSH as a broker and the plan pages do not name a carrier. The only prices on the page are for Indonesia zone Z1, so a buyer elsewhere gets their own figure from the quote form, and every buyer completes the health questionnaire before enrollment is confirmed.