Underwriter
Regulator
A+ A. M. Best Rating
24.2
BrokerFish Rating
MSH International Asia Care International Health Insurance

MSH INTERNATIONAL provide international healthcare solutions for expatriates worldwide. With over 35 years of experience and 5 regional service centres, MSH INTERNATIONAL provides 24/7, round-the-clock assistance to its 2,000 corporate clients and 330,000 insured members across 194 countries. Over 10% of Fortune 500 companies are currently their customers.

MSH INTERNATIONAL provides all of its members with a Medical Network of over 6,700 accredited providers around the world. These accredited providers are supported by a further network of more than 860,000 providers accessed through their Third Party Network partnerships.

Key Facts
  • Founded: 1974
  • HQ: France
  • Support:
Eligibility
  • Min Entry Age: 0
  • Maximum Entry Age: 64
  • Policy Holder: Expatriate
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Highlights
  • 35 Year Established Track Record
  • Full Medical Underwriting
  • Automatic, online renewal
  • 7 day money back guarantee
  • Lifetime renewable
  • Possible cover for pre-existing conditions
MSH International Asia Care Member Services

For over 35 years MSH International have been providing reliable health cover for expatriates all over the world.

MSH International provide a wide array of impressive membership services including running a 24/7/365, 35 language service centres based in the major expat destinations of Asia, The Middle East, Europe and North America. They provide access to a very large network of medical providers with direct-billing arrangements in place in addition to an easy-to-use suite of online services allowing you to do things like submit claims and manage your policy.

With their service centre located in Bangkok, MSH are a strong option for expats living in the country where they can better serve their needs through on the ground support. In addition members based in Thailand will get access to MSH's convenient Out-Patient Direct-Billing network saving you the hassle of paying out of pocket for Out-Patient treatment and claiming back later.

Policy renewal is also made easy where they provide automatic renewal each year making it easy to keep your cover. Should you require it, they'll provide you access to second opinions as part of your package as standard. All plans guarantee lifetime renewability.

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MSH International Asia Care Sub Products

MSH INTERNATIONAL offer three levels of cover within their Asia Care international health insurance range: "Vital", "Harmony" and "Optimum", providing protection anywhere in the world. Their first level of cover known as "Vital" provides comprehensive cover for hospitalization either as an in-patient or day-patient (hospital room, doctor's fee, diagnostic tests, treatment charges, drugs). Cancer treatment (including out-patient treatment), organ transplant services, Maternity & childbirth, HIV/Aids, congenital anomalies and rehabilitation are also covered.

The remaining two plans (Harmony 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's medical teams within 48 hours.

April South East Asia Health Insurance

Residents of Thailand can take a THB version policy of Asia Care. This plan range has a local insurance provider and is serviced by AXA Assistance. Contact us to apply.

MSH International Asia Care for Expats

MSH International Asia Care for Expats is for residents of Bangladesh, Bhutan, Brunei, Cambodia, East Timor, India, Indonesia, Laos, Malaysia, Maldives, Myanmar, Nepal, Pakistan, Philippines, Sri Lanka, Thailand and Vietnam.

Evacuation and Repatriation
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Suitable for expats of any nationality, Asia Care provide cover on a worldwide basis in case of medical emergency or accident up to 60 days per trip. This makes it a potentially price competitive policy if for example you're based in South East Asia but often travel outside on business.

In addition they provide elective coverage for up to 90 days per trip in Belgium, France, Germany, Luxembourg and Netherlands which may be enough if you go home for short-term holidays.

MSH ToB

Compare MSH International Asia Care Sub Products

Compare Plans

Vital Harmony Optimum
Premium per month Get Quotes Get Quotes Get Quotes
Deductibles
Brochure Pack Download Allianz Brochure Pack Download Allianz Brochure Pack Download Allianz Brochure Pack
Maximum Benefit

$1 million

$1 million

$1.6 million

USA Elective Treatment

In-Patient

Vital

Harmony

Optimum

Hospital Accommodation

$280 per day (Private room)

$280 per day (Private room)

$600 per day (Private room)

In-Patient Surgery
Diagnostic Tests
Prescription Drugs
Organ Transplant
Physiotherapy
Rehabilitation

30 days

30 days

30 days

Hospice

$35,000

$100,000

Local Ambulance Local Ambulance
Cover for local ambulance expenses incurred where an ambulance is medically necessary to transport the patient.
Oncology

Out-Patient

Vital

Harmony

Optimum

Out-Patient Surgery
Medical Practitioner Fees
Specialist Fees

$250 per visit

$250 per visit

Prescription Drugs
Diagnostic Tests
Diagnostic Scans
Home Nursing Care
Prosthetic Devices
Chiropractic

$250 (max 15 visits)

$300 (max 20 visits)

HIV / AIDS HIV / AIDS
Antiretroviral (ARV) drug treatment that is covered in the event of HIV/AIDS contraction that aims to lessen the likelihood of a patient becoming ill for many years.

$15,000 (wait 2 years, max 5 years)

$25,000 (wait 2 years, max 5 years)

$40,000 (wait 2 years, max 5 years)

Physiotherapy

$50 per visit (max 10 visits)

$50 per visit (max 10 visits)

Oncology
Alternative Therapies

$250 (max 15 visits)

$300 (max 20 visits)

Maternity

Vital

Harmony

Optimum

Pregnancy & Birth Pregnancy & Birth
Cover for expenses associated with routine pregnancy and delivery.

$2,000

$4,000

$9,000

Newborn Care

$2,000

$4,000

Congenital Disorder Congenital Disorder
Newborn defects present at birth.

$75,000

$100,000

$125,000

Complications of Pregnancy Complications of Pregnancy
Refers to the health of the mother during the pre-natal (preceding) stages of pregnancy such as miscarriage or stillbirth.

$2,000

$4,000

Dental

Vital

Harmony

Optimum

Emergency In-Patient
Emergency Out-Patient
Routine

$1,000 (10% co-pay)

$2,500 (10% co-pay)

Complex

$1,000 (10% co-pay)

$2,500 (10% co-pay)

Orthodontic

$1,000 (wait 9 months)

$2,500 (wait 9 months)

Well-Being

Vital

Harmony

Optimum

Routine Health Check

$200

$500

Vaccinations

Psychiatric

Vital

Harmony

Optimum

In-Patient Treatment

20 days (wait 10 months)

20 days (wait 10 months)

20 days (wait 10 months)

Out-Patient Treatment

$5,000 (wait 18 months)

Evacuation

Vital

Harmony

Optimum

Medical Evacuation
Medical Repatriation
Repat' of mortal remains
Compassionate visit
Companion expenses

Optical

Optical
Treatment designed to pay a portion of the costs associated with correcting vision.

Vital

Harmony

Optimum

Eye tests & consultations

$800 (wait 9 months)

Glasses & contacts

$800 (wait 9 months)

Chronic Conditions

Vital

Harmony

Optimum

Monitoring & maintenance

(if accepted on application)

(if accepted on application)

(if accepted on application)

Stabilisation of chronic episode

(if accepted on application)

(if accepted on application)

(if accepted on application)

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Kudos to you guys for taking steps to make insurance a more bearable user experience :]

PHILIP, Start-up Co-founder, CHINARating