Formed in 1974, MSH INTERNATIONAL (MSH) was established to support the initial expansion of French companies overseas. In 2000, the company acquired OCI-ASFE and began offering insurance solutions to individuals living outside their country of origin.
Irrespective of whether you are taking individual or group insurance, all medical insurance provided by MSH is subscribed through Previnter. See : https://www.previnter-mb.com/en/the-previnter-association.html
Previnter is governed by the French law of 1901 on associations.
Its purpose is to promote, organize and steer the employee benefits of its member companies’ internationally-mobile personnel.
This was followed a couple of years later by their purchase of a company called “European Benefits Administrators”, specialists in third-party administration of benefit plans for expatriate employees.
MSH now has operations in France, Canada, Dubai, Shanghai and Germany and provides medical insurance to over 400,000 people throughout the world.
MSH FIRST’EXPAT+ product offers a combined package of inpatient (Hospital) and outpatient benefits where claims are reimbursed 80%, 90% or 100%.
You then have options to add Dental/Vision, Maternity, Evacuation and life & disability benefits.
MSH ‘S LifePlan'Expat provides life & disability benefits designed to support you through life’s difficult times:
- sick leave from work,
- loss of autonomy,
These benefits allow you to maintain your standard of living and protect your loved ones from financial hardship.
The life cover is compulsory and the disability lump sum and income protection benefit are optional.
Company Medical - BusinessEXPAT
Below is a comparison table of the Group options MSH provides for groups of 4 or more expatriates and offers to disregard medical history for 6 or more staff.
The current underwriter; Allianz, requires 90% or more of the staff to be expatriates, living outside their home countries.
Once your company has around 30-40 staff, MSH will offer instead a tailor-made plan.
Once you reach the age of 70 in a company scheme, the cover will be stopped.
IF by the time you reach age 70 you have an individual plan, you will be allowed to continue cover.
The MSH BusinessEXPAT plan offers four levels of cover
PORTABILITY AND OTHER QUESTIONS
Q? Is renewal guaranteed?
A . Yes, if there is still more than 4 people on the plan at renewal time.
Q? What happens at renewal if my company has high claims?
A . MSH both look at the global claim rate on all their portfolio and as well the claim experience of your company to decide on the next year's increase. They also take into account the global increase of the medical costs worldwide.
Q? What happens if a staff member leaves the company? Can they take cover with them with no need to complete a questionnaire?
A . MSH can guarantee them a continuance of coverage through their individual range, but the departing employee will have to complete a medical questionnaire for his/herself and family.
Q? What has been the price rise in percentage terms for this plan over the last 5 years?
A . MSH launched BusinessEXPAT in summer of 2018 and has no increase as yet (Feb 2020).
Q? Although BusinessEXPAT is especially designed for expatriate groups, can it also cover local staff?
A. MSH insurer, 'Allianz' , only tolerates 10 to 15% locals on its expatriates corporate plans.
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