MSH INTERNATIONAL is a subsidiary of SIACI SAINT HONORE, and focuses on international healthcare solutions. They service over 300,000 insured members in over 194 countries via 5 regional centres in Calgary, Paris, Dubai, Shanghai and Bangkok and over 10% of Fortune 500 companies are their customers. MSH INTERNATIONAL provides in-house multicultural medical teams and 24/7 support to ensure members receive prompt and accurate services. They also work with a network of 750,000 medical providers globally, with direct-billing agreements with 6,000 medical centres (doctors, hospitals and clinics). MSH INTERNATIONAL offer four levels of cover within their Asia Care international health insurance product: "Vital", "Harmony", "Optimum 80", and "Optimum", providing protection anywhere in the world. All policy holders are provided a choice of more than 6,000 medical centres of excellence, and the insurer operates a 24-hour claim line which members can call from anywhere in the world, 365 days a year, for immediate help and advice. Their first level of cover known as "Vital" provides hospitalization benefits, while the remaining three plans (Harmony, Optimum 80 and Optimum) add increasing levels of out-patient care, preventative healthcare benefits and maternity cover. Chronic and pre-existing conditions may be covered on a case-by-case basis upon submitting your application and upon inspection by MSH INTERNATIONAL staff. MSH INTERNATIONAL provides you with four options to reduce your premium costs by selecting a plan deductible (also knownn as excess) on your policy. Options available are $0, $100, $500 and $1,000 per person, per year.