MSH レビュー 

The fact that no one answers the call or email during the weekend is a problem, what is the purpose of having insurance if they dont call when you need them

Nous demandons une pre-authorization pour une intervention dentaire. Nous avons envoyés tous les documents, radios dentaires, devis, plans de traitement plusieurs fois.
Et nous recevons encore et encore la même demande pour les mêmes documents sans aucune explication.
C'est juste inacceptable. Nous avons déjà repoussé l'intervention dentaire à deux reprises et le suivi continue d'être médiocre.

MSH International avoid if you need reliable claims handling
Three weeks (and counting) to resolve two straightforward claims. Highlights:
A claim was mislabeled "Oncologist"/"Cancérologue" — turned out to be an X-ray and a routine medical act, already reimbursed under a different reference. No explanation was ever given for how a mundane act ends up filed as cancer treatment.
On the same optical claim, two different case handlers directly contradicted each other three days apart: one confirmed in writing that the required document had been received and was under review; the next said it had never been received at all.
Support told me duplicate reimbursement entries, once created by their own system, "cannot be deleted." No further explanation offered.
Repeated requests for a simple itemized statement (which claim, which document, which reason for rejection) were met three times with generic copy-paste instructions to "check your online account" — an account that itself doesn't clearly link claim references to reimbursement references.
A optical reimbursement was withheld for weeks over a symbolic 9-cent statutory health insurance amount, well after proof of automatic transmission had already been supplied.
If you value your time, look elsewhere.

Facilité de souscription en ligne pour cette assurance qui est la meilleure pour l'expatriation à l'étranger

Temps d'attente au téléphone correct, prise en charge efficace par un conseiller sympathique, devis reçu instantanément, inscription rapide... que demander de plus ?

Pls request never opt for MSH health insurance they take too much time in approving and also after so much of calls they partially only approve, worst insurance

Dealing with insurance companies for claims is designed to frustrate people so you give up and lose the willingness to claim back your money.
MSH seem to have perfected this process, the app doesn’t let you enter your bank details. So when you need to claim back you have to go through their customer service to add your bank details.
They make every interaction as unpleasant and difficult as possible asking to verify yourself as if you’re a hacker trying to steal their money. Their app doesn’t have built in chat so it takes you back to a browser if you need to talk to an agent.
Then things get more frustrating as they’re slow and barely responsive.

Demande de la lettre de garantie, qui a été délivrée très vite. Merci.

I have always had an efficient response from MSH, whether it is for reimbursements, pre-authorisations for surgery, personal info changes, or general queries. Some responses may take a little longer than others, but overall, I am highly satisfied with their services and customer orientation.

Je n'ai pas pour habitude de publier des avis négatifs lorsque les entreprises font preuve de bonne foi et cherchent réellement à résoudre les problèmes. Mais, au vu des nombreux désagréments rencontrés et de leur répétition, je me sens obligé de partager notre expérience.

Notre famille est expatriée pour le compte d'un groupe français qui a souscrit la mutuelle MSH pour ses salariés expatriés. Notre enfant est atteint d'une affection de longue durée (ALD), parfaitement connue, documentée et reconnue par la CPAM, ainsi que par MSH.

Malheureusement, la gestion de son dossier est chaotique. À chaque contrôle médical lié à son ALD, nous devons multiplier les appels et les e-mails, car la prise en charge est régulièrement limitée à 85 % au lieu des 100 % auxquels il a droit. À force d'insistance, de temps perdu et de nombreuses relances, la situation finit généralement par être corrigée… jusqu'au contrôle suivant, où les mêmes erreurs se reproduisent.

À chaque dossier, nous devons échanger avec cinq à dix interlocuteurs différents. Personne ne semble réellement suivre notre dossier. Il faut réexpliquer l'ensemble de la situation à chaque appel, les informations transmises sont contradictoires selon les services ou la région, et les promesses de rappel restent sans suite.

En 2025, nous avions constaté une amélioration temporaire après avoir réussi à contacter un responsable via LinkedIn, qui nous avait orientés vers le service réclamations. Malheureusement, cette amélioration n'a pas duré et les mêmes dysfonctionnements sont rapidement réapparus.

Le service client s'est révélé incapable d'assurer un suivi fiable de notre dossier. Au-delà de la perte de temps considérable, cette situation est extrêmement stressante lorsqu'il s'agit d'un enfant atteint d'une maladie chronique nécessitant des soins et un suivi réguliers et sérieux. Une mutuelle internationale devrait apporter de la sérénité ; avec MSH, c'est malheureusement l'inverse.

Je ne remets pas en cause les personnes individuellement, mais l'organisation du service, qui n'est absolument pas adaptée au suivi de dossiers médicaux complexes. Pour une famille confrontée à une ALD ou à une situation médicale nécessitant une prise en charge rigoureuse, je ne recommande absolument pas MSH.

Llevo semanas sin que desde MSH International hayan sido capaces de resolver el acceso a la plataforma online. Desde enlaces que no funcionan hasta agentes que no responden a las peticiones formuladas pasando por atención telefónica que informa de problemas en el departamento IT. Un completo desastre por el momento.

Madame Amira Ben a écouté mon problème avec beaucoup d'attention et de bienveillance. Elle m'a donné de bonnes conseils et m'a accompagnée avec professionnalisme pour résoudre ma situation. Je lui suis très reconnaissante pour son écoute, son soutien et son efficacité. Un grand merci pour son aide précieuse.

Etant expatrié au Vietnam et assuré dans cette compagnie d'assurance maladie, je suis très satisfait de leur service concernant les prises en comptes des dossiers de remboursement.
je voudrai aussi dire que l'hôpital FV sur Ho Chi Minh Ville pratique une tarification suivant que le patient ait une assurance ou non. je trouve que leurs tarifications un peu excessive par rapport à d'autre hôpitaux, leurs prestations sont souvent dirigés vers plutôt des dépenses supplémentaires plus que le nécessaire. ceci n'est que mon avis personnel avec expérience. dans le même district 7, je vous conseillerai plus l'hôpital Khoa Hoc Tam Anh, qui dispose d'un très bon service d'accueil et de tout système médical dernier cri.

Always delaying payment, it is normal to wait months even though treatment are approved. I can not recommend there services I anyway

My experience with this insurance company has been extremely disappointing.

I visited an optical store to order a new frame and lenses. According to my insurance plan, I am entitled to full coverage for glasses and lenses once per year. I am also enrolled in one of the company's higher-tier plans, which offers extensive coverage and comes at a premium cost. The store submitted a pre-approval request to the insurance company and informed me that a response would take up to three days.

After four days, there was still no response. I contacted MSH, the insurance broker, and was informed that the request was still pending in the system and that they would follow up on it. Unfortunately, I never received any further updates or responses.

I then attempted to contact the insurance company directly through the live chat feature in both the mobile app and on the website. The chat service was effectively unusable, as the chatbot repeatedly asked the same questions in an endless loop without providing any meaningful assistance or access to a human representative.

I also sent emails to the contact addresses listed in the app and on the website. Some of these email addresses turned out to be invalid and did not accept messages at all. The emails that were successfully delivered have not received any response to date.

As a customer paying for a premium plan with comprehensive benefits, I expected a significantly higher standard of customer service and support. Instead, I have been left without any clear communication, assistance, or explanation regarding a routine claim that should be covered under my policy.

At this point, it feels as though the process is being unnecessarily delayed, and I am becoming increasingly concerned about whether the company intends to honor the benefits outlined in my insurance policy.

Based on my experience, I cannot recommend this company. If you are considering purchasing insurance from them, I would strongly encourage you to carefully evaluate their customer service and claims handling process before making a decision.

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Are they going bankrupt?
Mostly well-functioning, but every couple of months excessive delays occur to approved reimbursements and the customer care goes 'dead'.
Raise a query, get one reply from customer care, then they go silent, and nothing. I cannot help wondering if this is a financial problem at MSH and if we should worry about their resilience. Either way, look out when you engage with MSH! And scout the market for alternatives.
******Response to the reply:
I have written daily to 'MSH customer care' - but not getting any replies. It obviously worries me, so posting back here where at least someone reads the message! Can I expect any action, or just a response please.

What went wrong this time you ask! I have paid into this plan since 1970, and for the first time, I made an international claim after a serious medical emergency. It is now a month later, and the run-around escalates. For example, I incurred a $75 cost for medicine in Ireland after being discharged from hospital in Ireland. MSH told me Canada Life would pay, Canada Life told me MSH should pay. I needed an ambulance to go from the ship to hospital, but, there was an ambulance strike. The ship provided me with a paramedic to escort me to the hospital by taxi. MSH paid the E250 paramedic cost, but not the taxi. MSH said they pay for ambulances, and not taxi's. Case closed. Meanwhile, I still have an unresolved invoice for E1500 from the hospital in Ireland. If MSH is listed on the stock exchange, perhaps I should buy shares rather than pay useless premiums!

I am extremely satisfied with my experience with MSH International.

From the very beginning, the onboarding process was smooth, professional, and reassuring. I had an extensive meeting with my dedicated advisor, Sofya, who took the time to explain every aspect of the policy and answer all my questions in detail.

What really stood out to me was the personal approach. Sofya guided me through the entire process step by step, making sure I fully understood everything before making any decisions. She was always available to help and even shared her direct mobile number so I could reach out in case of urgent questions or concerns.

As an expat moving abroad with my family, having this level of support is incredibly valuable and gives me real peace of mind. It is clear that MSH genuinely takes the time to care for its clients rather than treating them as just another policy number.

Thank you, Sofya, for your professionalism, patience, and outstanding support. I highly recommend MSH International to anyone looking for international health insurance and personalized service.

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