• Media
  • Press releases
  • MSH INTERNATIONAL and ASFE have won the product and service innovation in health & life insurance award

MSH INTERNATIONAL and ASFE have won the product and service innovation in health & life insurance award

09/19/2012 – Paris

Brokerage Awards: MSH INTERNATIONAL and ASFE have won the product and service innovation in health & life insurance award for First’Expat and Relais’Expat,the first expatriate healthcare offer designed according to the country of residence.

The jury of the 10th Brokerage Awards (Trophées du Courtage) has selected MSH INTERNATIONAL and ASFE, Association de Services des Français de l’Etranger (Association of services to French people living abroad) for the product and service innovation in health & life insurance award for their First’Expat and Relais’Expat products, the first international healthcare offer designed according to the country of expatriation. The objective of this new range is to provide each expatriate with the insurance plan that will best cover the healthcare costs charged in their country.

Benefits for clients

Easier overview of insurance offers, simpler choices, more accurate advice  

Choosing a healthcare insurance plan is not an easy thing to do for a French citizen living in France as you need to analyze and understand the different types of benefits offered. When you go live abroad, this choice is made even more difficult because as an expatriate, you are faced with a totally different healthcare system and have no clear idea of the healthcare costs charged in your new country of residence.

To help expatriates with this choice and make their life easier, MSH INTERNATIONAL now provides a clear overview of its insurance offers via a map of the world using four different colors for countries corresponding to the four levels of coverage provided by its First’Expat and Relais’Expat plans, accurately defined according to healthcare costs found in each country. Therefore each expatriate will be offered the option that best meets their needs in terms of healthcare coverage, according to their country of expatriation.

Expatriates are high-net-worth clients particularly involved on the professional and social levels and they usually have very little time to choose a healthcare plan. Some of them even leave their home country without taking out health insurance, resulting in major risks in case of hospitalization or illness.
By helping expatriates to determine quickly the level of coverage that perfectly matches their situation, MSH INTERNATIONAL makes the healthcare insurance selection process faster and more reliable according to their country of expatriation.  

Increased optimization of the budget dedicated to international healthcare insurance

The insured member pays a fair price for their premium for the right level of coverage/service: the option offered allows them to benefit from coverage perfectly adapted to the healthcare costs charged in their country of destination. And if they need to increase the level of their coverage, they will be able to take out a higher level of benefits, including during the policy term.

First’Expat and Relais’Expat: meeting the needs of expatriates all around the world  

An objective analysis of customary costs charged in each country 

With 275,000 insured members across the world and 750,000 healthcare providers, MSH INTERNATIONAL records healthcare costs on a daily basis for each type of medical condition in every country. The objective analysis of this data allows MSH INTERNATIONAL to separate countries where healthcare costs are reasonable from those where costs are intermediary and those where healthcare costs are high or very high.
Thanks to this study, ASFE has been able to expand its First’Expat (healthcare insurance covering costs as of the 1st euro spent) and Relais’Expat (healthcare insurance complementary to Caisse des Français de l’Etranger) solutions by offering four different levels of healthcare coverage to its expatriate insured members (option 30, 40, 50 and 60) that perfectly match the costs charged in each country across the world. Each insured member then has a clear and simple overview of the healthcare plan to take out: he pays a fair price for his premium according to the healthcare costs of his country of expatriation.

The same quality of service regardless of the level of coverage

In addition to this new range, for which the aggregate limits of benefits go from €300,000 to €900,000 depending on the option, additional benefits are also available according to the level of comfort desired (third-party liability cover, medical assistance/repatriation, death and disability benefits, etc.). Regardless of the level of coverage subscribed, expatriates benefit from the same premium service quality:
  • Claims processed all around the world within five days in more than 150 currencies
  • Direct billing for all types of healthcare in the USA
  • Direct precertification in the event of hospitalization or treatment exceeding € / US$ 400
  • An international team available round-the-clock, 24/7, thanks to four regional headquarters in      Paris, Calgary, Dubai and Shanghai
  • Medical second opinions if you are unsure of the diagnosis you have been given
  • Secure participants’ pages on  to manage healthcare benefits easily and to administer the insurance plan in a simple manner from the country of expatriation. 

About ASFE
For more than twenty years, ASFE (Association des Français de l’Etranger), a non-profit association governed by the French law of 1901 on associations, has provided all expatriates around the world with solutions in the fields of healthcare coverage, death & disability, medical assistance / repatriation and third-party liability.

MSH INTERNATIONAL designs and manages on behalf of ASFE its entire range of individual policies. The group is a world leader in the design and management of international healthcare solutions for employees of multinationals, workers in international organizations, small and medium enterprises, individual expatriates and local high-net-worth individuals in need of international insurance coverage. Via its 400 staff members working in four regional headquarters in Calgary, Paris, Dubai and Shanghai, MSH INTERNATIONAL provides 24/7, round-the-clock assistance to its 2,000 corporate clients and 275,000 insured members across 200 countries.

Press relations


 +33 1 46 34 60 60