We're right behind you whether you're away for less than a year or more

If you're an expatriate (student, employee, freelance worker, globe-trotter or retired citizen) rather than someone on a temporary assignment abroad, you'll no longer be covered by your home country's health system and will probably have to contribute to the local health system. However it may not reimburse your healthcare expenses at the same rate or provide you with the same level of coverage when you visit your home country.
The cost of healthcare varies greatly from one country to another and can be much higher than what your used to paying at home.
If you subscribe to the local insurance plan in your country of expatriation alone, your reimbursements are likely to be limited or even non-existent and you will not be covered when travelling or for visits back home.

Luggage insurance is automatically included in our Start’Expat plan and is effective for the length of the policy (not just while you're travelling to and from your country of expatriation).
While our other plans do not automatically cover loss or theft of luggage, it can be added as an option.

You can join MSH online at www.msh-intl.com or by email to individuals@msh-intl.com. Fill-in, date and sign your subscription form and medical questionnaire for you and your dependents and return them to us with the following documents:
- the enrollment form completed and signed,
- the medical questionnaire completed and signed, along with the additional medical details if you answered yes to any questions in the medical questionnaire,
- a copy of your identity card or passport,
- a bank account slip for your healthcare reimbursements from MSH,
- a certificate from your previous healthcare insurance and a summary of benefits in order to possibly waive waiting periods (not applicable for Start'Expat),
- a school/university attendance certificate for your children aged 20 to 25 (not applicable for Start'Expat).
And for payment of your premium:
- The direct debit authorization (for French accounts only) completed and signed,
or
- the credit card authorization completed and signed,
or
- a check payable to ASFE.

The medical assistance coverage included with standard credit cards is only valid during your first three months abroad. Ongoing treatment or treatment following an accident will not be covered beyond this initial period and may not be covered by insurance purchased after the event. Also, credit card insurance may have deductibles or consist of cash advances only.