MSH International expat health insurance (First’Expat+): broker profile
MSH International is one of the oldest French international health insurance companies, on this market since 1974. Its First’Expat+ plan comes in four tiers, from hospitalisation-only to full cover including maternity.
EntityMSH International SAS, Paris, ORIAS 07 002 751, a subsidiary of the Diot-Siaci group
On the market since1974
ProductsFirst’Expat+ (and its CFE top-up, Relais’Expat+), four cover levels (Quartz, Pearl, Sapphire, Diamond)
Subscription ageUp to 60 for the Hospitalisation-only pack, up to 70 for the full packs
Care networkMore than 2 million professionals, dedicated UnitedHealthcare and Optum Rx network in the United States
MSH International is a French international health insurance company, based in Paris and affiliated with the Diot-Siaci broking group. It has been on the expatriation market since 1974, making it one of the oldest French companies specialising in this segment.
Its product, First’Expat+, comes in four increasing tiers of cover, Hospitalisation-only, Santé, Santé+, Santé+Enfant, and four ceiling levels, Quartz, Pearl, Sapphire, Diamond. A CFE top-up, Relais’Expat+, exists for those who remain members of the public fund. Subscription is open up to age 60 for hospitalisation-only and up to 70 for the full plans, across five geographic zones including one dedicated to the United States.
The care network claims more than two million direct-billing professionals, with a dedicated UnitedHealthcare and Optum Rx partnership in the United States. Maternity is covered after 10 months of membership, routine dental after 3 months. Pre-existing conditions remain excluded unless expressly accepted, as do extreme sports and motor racing, ordinary use of a scooter or motorbike as a means of transport is not covered by this exclusion. The choice between the four tiers mainly comes down to dental-optical and maternity, the two items that weigh most heavily on an expatriate family’s budget.
Families with children
The Santé+Enfant tier includes maternity, a key item for an expatriate family.
Precisely adjustable cover
From the Hospitalisation-only pack to full cover, four tiers let you fine-tune the budget.
Expatriates moving to the United States
A dedicated hospital network, UnitedHealthcare and Optum Rx, makes access to care easier on the ground.
Five geographic zones, from France and the rest of the world up to the United States (zone 5); the Hospitalisation-only pack is not available for the United States zone.
Plans we place- Pre-existing conditions are excluded, unless expressly declared and accepted at subscription.
- Extreme sports, mountaineering, aerial disciplines, competitive diving and motor racing or karting are excluded; ordinary use of a two-wheeler as a means of transport is not excluded as such.
- Maternity is covered after 10 months of membership; routine dental after 3 months, prosthetics and orthodontics after 6 to 12 months.
- Surrogacy, cosmetic surgery and war zones are excluded.
Your questions about MSH International.
Does First’Expat+ include maternity?
On the Santé+Enfant tier, after a 10-month membership waiting period. The lighter tiers (Hospitalisation-only, Santé, Santé+) do not include it.
Up to what age can you subscribe with MSH International?
60 for the Hospitalisation-only pack, 70 for the Santé, Santé+ and Santé+Enfant tiers.
Does MSH International offer a CFE top-up?
Yes, under the name Relais’Expat+, for expatriates who remain members of the CFE and want a top-up rather than full first-euro cover.
Page written by Izem Expat based on the policy wording and information documents published by the insurer; it is not binding on the insurer. Exact benefits depend on the plan and the year of subscription.
Reviewed by Mustapha Naït Cherif