MSH International — an independent reference profile
Insurer profile · not a ranking
The international health specialist of the Diot-Siaci group, Paris. Long history with expatriate group schemes and complex postings.
The shape of the offer
What their plans are like.
Strong on employer and mobility schemes — often the paper behind a corporate benefits programme rather than a plan you chose yourself.
We keep this section general on purpose. Plan names, limits and premiums move every year, and a page pretending otherwise would be quietly wrong within one renewal cycle. The specifics belong in your report, dated, against your situation.
The structure, dated · facts checked 2026-08-01
What their published material actually says.
Everything below was read from the carrier's own pages and documents on2026-08-01 — specifically the global English site and the First’Expat+ summary of benefits (June 2026 PDF). ⚑ marks what those materials do not state. No premiums appear here because premiums are personal quotes, and no verdicts because this page ranks nothing.
| Tier | Published maximum | The note that matters |
|---|---|---|
| Quartz | €500,000 / yr | annual aggregate outside the USA |
| Pearl | €1,000,000 / yr | USA in-network 80%; $400 per-admission co-pay |
| Sapphire | €1,600,000 / yr | USA in-network 90%; $200 co-pay |
| Diamond | €5,000,000 / yr | USA in-network 100%; $100 co-pay |
| Structure | Modular stacking: HOSPI (hospitalisation + assistance) → HEALTH (+ routine care) → HEALTH+ (+ dental and optical) → HEALTH+CHILD (+ maternity), with optional premium assistance. |
| Area of cover / USA | Zone-priced; the USA is Zone 5, where hospital-only cover cannot be bought (HEALTH minimum) and benefits switch to in/out-of-network coinsurance with per-admission co-payments. |
| Underwriting | Medical questionnaire on every application — conditions can be excluded or loaded. No moratorium option offered. |
| Renewability | Automatic annual renewal after a six-month minimum term; ⚑ no explicit lifetime-guarantee wording found. |
| Entry age | 18 to 70 inclusive — published plainly, which is rarer than it should be. |
| Waiting periods | Published in detail: dental 3–12 months by treatment, vision 6, maternity 10, fertility and psychiatry 12, chronic-disease prescriptions 12. |
| Evacuation | Core with hospitalisation — emergency transport and repatriation at actual costs worldwide. ⚑ The decision mechanism sits in the general conditions, not the summary. |
| Broker & regulator | MSH International is an ACPR-regulated French broker (Diot-Siaci group), partnering Chubb and Groupama Gan Vie. ⚑ The insurer-per-cover split is not stated on the pages we read. |
Sources
- First’Expat+ — product page — PRIMARY — verified 2026-08-01: structure, entry ages, renewal, questionnaire
- First’Expat+ — summary of benefits (June 2026 PDF) — PRIMARY — verified 2026-08-01: tier maximums, USA mechanics, waiting periods
- MSH — legal notices — PRIMARY — verified 2026-08-01: registration, ORIAS, ACPR
What we check first
The questions a review asks of this paper.
Whether your cover is the company's scheme or your own policy — the exit terms differ completely
Dependant terms on group paper, which is where the UAE- and Saudi-shaped surprises live
What the scheme does in your home country during visits
Holding a MSH International policy already? A review reads it for you
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