MSH First’Expat+ International Healthcare

• Waiting Periods. A waiting period of 10 months applies to Maternity benefits. For Fertility Treatment a waiting period of 12 months is applied. Also Dental & Vision is subjected to a waiting period of 6 months. For Psychiatry and Psychologists you need to consider a waiting period of 12 months. In the USA, specific waiting periods are applied, see the Table of benefits.
• If the Member opts for a higher level of cover, a new medical acceptance procedure will be required and new waiting periods will apply.
• If a Zone or Country is classed as highly inadvisable to travel to by the French Ministry of Foreign Affairs (Red zone), coverage will be suspended.
• The inception date of your contract can be the 1st or the 15th of the month. It is not possible to let the insurance start on a different date
• All members on one contract need to have the same level of coverage, the same deductible and co-payments
• Newborns can be added to the contract without a Medical Health Questionnaire if MSH is notified within 30 days of the child’s birth. If MSH is notified later than 30 days after birth, then the newborn’s insurance is subjected to medical underwriting and a medical questionnaire needs to be completed. Exceptions are made for multiple births or adoptive/ foster child. In those cases a Medical Questionnaire is always necessary and MSH may assess whether they want to insure the children.
• It is important to inform the insurer when you move to another country since this may effect the Geographical Zone. Premium may change if you move to a different country
• The level of benefit can only be changed once during the entire duration of the contract. This change can take effect on the renewal date.
• The chosen plan (HOSPI, HEALTH, HEALTH+, HEALTH+CHILD) can only be changed once during the entire duration of the contract. This change can take effect on the renewal date. If the member opts for a higher plan, you need to submit a medical questionnaire.
• Maternity. MSH offers relatively good benefits for pregnancy and childbirth. Especially the benefits for complications pregnancy, covered up to the maximum Inpatient limit. There is however a maximum reimbursement for complications of childbirth. MSH does not offer the best cover for Maternity available.
• Deductible: MSH transfers the reimbursement to the Healthcare provider minus your deductible, considering the deductible you have left. The Healthcare provider will then need to charge you the amount due. 
• Maximum insured amount for a hospital bed. Looking at the benefits, MSH offers coverage for a private room in every level of coverage (Quartz, Pearl etc). However, they do apply a maximum benefit for the hospital bed, per day. The benefits start from 100 euro per day and rise until no maximum amount. In some countries, the amount may be too low to cover the room charges. Other expenses (such as the nurse, the food, medication) are not limited by this amount. The hospital needs to specify the invoice so it mentions the room charges per day. 

Regions 

• MSH uses 5 different zones in the world. The zones determine the pricing and coverage. The main country of residence determines which zone is applied.
• The zones have numbers: 1 to 5. Zone 1 is the most affordable, Zone 5 is including USA and the most expensive. 
• During the application it is possible to opt for a Selected Zone of coverage which is higher than the zone corresponding to your main country of residence. You can not choose for a lower zone. 
• Choosing a higher Zone can be usefull if for example your Home county is part of a more expensive region. 
• An example. Your Home country is the Netherlands and your country of expatriation is Paraguay (Zone 1). If you want to have coverage in the Netherlands as well, then you need to opt for Zone 2 in the application process.
• Trips to the Home country may not exceed a period of 5 months. 
• Coverage outside your region of cover. There is a limited coverage when you travel outside your region of cover.  If you travel to a country in a higher coverage zone, you'll be covered for emergency care only (accidents and illnesses) for a limited time 
  • Do you have HOSPI plan? The coverage can be used for trips up to 30 consecutive days 
  • Do you have HEALTH, HEALTH+ or HEALTH+CHILD? The coverage can be used for trips op to 60 consecutive days
• Changing the Zone of cover can only be done on the renewal date
• If your insurance contract is already active and you wish to change to a higher Zone, then you will need to complete a medical questionnaire and the insurance company will apply medical underwriting. If you are moving permanently to a different country and you need a change of Zone, then a medial questionnaire is not required. 

You may also find this Region explanation of MSH useful. 

• Deductible Options: You may choose from various deductible options, depending on the insured Zone and the chosen level of benefit (Quarts, Pearl, Sapphire or Diamond). During the online Quote process the applicable options are presented to you.
• The chosen Deductible applies to Inpatient and Outpatient benefits. 
• Reimbursement From Day One: Valid expenses are reimbursed from the very first euro/dollar, up to your chosen coverage limit. Do consider waiting periods for certain treatments.
• Geographic Zones: The main country of residence determines which Geographical Zone is applied, for both premium and coverage. Pricing and coverage adjust across defined zones; routine care outside your subscribed zone may be limited to emergencies only.
  MSH uses 5 different zones. If you make a quote, the country of expatriation determines the selected zone and influences the premium.
• You can easily calculate the premium via the Online quote tool. 
• Payment Frequency: it is not possible to pay per month, unless you have a bank account from a French bank. 

• Want to know what the premium would be for you? Please calculate your premium by using the Online Quote tool. This tool takes you through the process, step by step.
• You can save a Quote and change this later. It is also possible to continue the application process later when you save the quote.
• Once you have a Quote, you can decide to continue with the application process, using the same tool
• Application Window: Apply up to four months before the desired start date. Coverage begins on the 1st or 15th of the month
• Remark about the Zones: during the application, in Step 3, it is possible to opt for a Selected Zone of coverage which is higher than the zone corresponding to your main country of residence. You can not choose for a lower zone. Choosing a higher Zone can be useful if for example your Home county is part of a more expensive region. 

QUOTE AND APPLY

Once enrolled, you’ll enjoy a suite of member services:

• 24/7 Multilingual Support
• Mobile App & Online Member Area: Submit claims by uploading medical receipts, track reimbursements, access your insurance card, and find healthcare providers globally.
• Global Provider Network: Extensive network with many providers offering direct billing.
• Teleconsultation & Second Medical Opinion
• Additional Support: Pregnancy programs, travel health guidance, and more.

• First’Expat+ Brochure
• Summary of Benefits
• Policy Wording
• Application form
• Explanation of Regions of cover

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