First’Expat+ plan is a comprehensive Health Insurance plan from MSH, offering you many options to compose the plan that meets your wishes. MSH International is a global leader in health, life, and disability insurance solutions for today’s mobile world. You may benefit from their 50‑year heritage serving individuals, multinational corporations, international organizations, and NGOs. As a member you can benefit from client services through six regional headquarters, eight local offices, and a medical network spanning 1.8 million healthcare providers across 180 countries. That way they ensure trusted care wherever life takes you. Read more about the First’Expat+ plan on this page.
1.Features of First’Expat+
Maximum age to apply is 60 or 70, depending on the chosen coverage. For HOSPI, the maximum age is 60, you can not apply for HOSPI when you become 61 years old.. For HEALTH and, HEALTH+ MSH applies a maximum age of 70.
Lifetime renewal once you have a contract
Available for all nationalities
Online claim procedure, so you can get your money back on-the-go
Available for travellers from many countries
Policy Duration & Termination: A minimum duration of six months applies. After the first year, coverage renews annually but can be terminated with two month’s notice; earlier cancellation may be possible under specific conditions
Coverage options
First’Expat+ offers a modular, tiered coverage structure:
HOSPI: Included: Hospitalization and standard assistance, such as emergency evacuation, repatriation, and hospital stays.
You can add optional modules that change your chosen plan. Beneath you will find the names of the plans and what coverage they represent:
HEALTH = HOSPI AND Routine healthcare (GP and specialist visits, prescriptions, diagnostic tests, therapies)
HEALTH+ = HEALTH AND Dental & vision care
HEALTH+ CHILD = HEALTH+ AND Maternity services
There is also an extensive module for Premium Assistance. The Standard Assistance is part of HOSPI, but for those who want to add more service, they can choose the Premium Assistance.
Benefit Levels (tiers): For each chosen plan (HOSPI, HEALTH, HEALTH+ and HEALTH+CHILD) you may decide which level of benefits suits your needs. The options are:
Quartz
Pearl
Sapphire
Diamond
2.Important remarks
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.
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. 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.
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.
3.Premiums & Deductibles
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.
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
4.How to Apply
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.
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
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.
