To leave in the best conditions, we recommend that you do a global health check before you go. Updated vaccinations and dental checks are priorities but it's worth having a full medical check-up and getting a medical certificate to practice all sports. Remember to leave your contact details and policy number of your private health insurance with a member of your family or a friend, along with an address and number where you can be reached.

If you go abroad to study or do an internship, you'll no longer be covered by the French healthcare system, unless you stay within the European Union (or go to Norway, Iceland, Switzerland, the United Kingdom or Liechtenstein) and have the European Health Insurance Card during your stay*. However, the EHIC does not cover all the expenses related to the medical problems you may have abroad. For example, it does not allow you to be repatriated to your home country free of charge.

It is therefore recommended to purchase a travel insurance plan to cover out-of-pocket expenses in public facilities, as well as repatriation or rescue fees and any costs incurred if you have been sent to a private hospital.

The cost of healthcare varies greatly from one country to another and can be much higher than what you’re used to paying at home. It is important to not consider the European Health Insurance Card as a free expatriate insurance at the European level.

In many countries, enrollment in a health insurance can be mandatory to obtain an expatriation visa.

* If you are European (EU/EEE/Switzerland/United Kingdom), your EHIC card is valid in the European Union states (EU/EEE), Switzerland and the United Kingdom. If you are not European (outside EU/EEE/Switzerland/United Kingdom), you won’t be able to use your EHIC card during your stays in Denmark, Iceland, Norway, Liechtenstein and Switzerland.

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 an insurance purchased after the event. Also, credit card insurance may have deductibles, i.e. expenses that will not be reimbursed, or consist of cash advances only. In that case, you’ll have to reimburse the expenses incurred by the medical assistance. The benefits offered and the upper limits for medical expenses won’t provide you with the best coverage for your trip.

As a broker registered with ORIAS, MSH has partnered with major insurance groups such as AIG, which insures this policy, and AIG Travel.

- Emergency medical expenses abroad in the destination country.
- Medical expenses in your home country.
- Medical expenses in a third country.
- Assistance, Repatriation.
- Loss, theft of your luggage or damage caused to it (cellphone, tablet, computer covered but with some restrictions).
- Individual accident.
- Third-party liability abroad.
- Tenant’s liability.
- Travel incidents.

Some exclusions are common to all the benefits provided under this plan. The following are excluded:

- any stay, trip or journey to certain territories that is not covered,
- accidents or damage deliberately caused or brought about,
- consequences of suicide or suicide attempts,
- accidents related to drug or alcohol use,
- nervous or mental disorders,

We recommend that you consult the Information Booklet serving as the General Terms and Conditions for further information on the exclusions.

It covers 100% of medical expenses incurred (treatment, hospital charges, pharmaceutical costs, fees, ambulance transportation costs) in the event of an emergency (anything that cannot wait for your return home), accident or unforeseen illness. The global limit of reimbursement for emergency medical expenses is €1,000,000 per insurance period.

If you stay in a third country (other than your destination and home country) for a short period of time (less than 90 days), you will be covered in the event of an emergency, up to €50,000 per insurance period.

The coverage also includes dental care in the event of an emergency/accident, vision care in the event of an accident, physical therapy prescribed by a doctor and accidents related to certain high-risk sports.

The following are not covered: pre-existing or chronic illnesses, treatments that are not prescribed by a medical authority, costs related to maternity, birth control, preventive or comfort care, accidents related to drug or alcohol use, accidents related to the practice of sports for professional purposes or involving a motor vehicle.

We recommend that you consult the Information Booklet serving as the General Terms and Conditions for further information on the exclusions.

Covid-19 is covered as for any unforeseen illness.

- relapses of chronic or pre-existing conditions,
- consequences of illness or accident incurred before the effective date of the benefits,
- medical expenses resulting from sciatica, herniated discs, parietal hernia, intervertebral hernia or white line,
- spa therapy and rehabilitation treatment,
- frames and lenses expenses not resulting from an accidental bodily injury,
- any prostheses,
- examinations, routine tests, health check-ups,
- preventive tests or treatments, control tests and examinations not resulting from an accident or illness covered under the plan,
- costs related to vaccinations, acupuncture, chiropractic, osteopathy, etiopathy, naturopathy, hypnotherapy and sophrology not resulting from an accident or illness covered under the plan,
- costs of surgery or comfort care,
- costs of organ transplantation not required by an Accident or Illness covered under the plan,
- costs and treatments not prescribed by an authorized medical authority,
- costs related to maternity, elective abortion, birth control,
- accidents resulting from the use of drugs, alcohol, narcotics, or non-prescribed medication,
- accidents related to the practice of sports for professional purposes or involving a motor vehicle.

We recommend that you consult the Information Booklet serving as the General Terms and Conditions for further information on the exclusions.

It covers emergency dental care up to €200 per member and per insurance period and up to €1,500 for care resulting from an accidental bodily injury. This care must be of an emergency nature, which means it cannot be postponed or it must result from an accident which occurred during the stay. Only the following will be reimbursed: bandages, fillings, root canals or extractions.

Therefore, prostheses, orthodontics, scaling, pre-existing issues and gingivitis will not be covered under the plan.

It covers vision care in the event of an accidental bodily injury up to €400 per member and per insurance period.

Accidents related to the practice of the following sports are excluded from the plan:

− the practice of sports for professional purposes,
− amateur races and practice requiring the use of motorized land, air, and sea vehicles,
− use, as a pilot or passenger, of a microlight, hang-glider, flying wing, parachute, paraglider or any motorized air navigation vehicle,
− sports such as skeleton, bobsleigh, mountaineering, via ferrata, speleology, polo, show jumping, krav maga, MMA, scuba diving, base jumping, sky surfing, sky flying, zorbing, streetluge, speed riding, hiking on unmarked trails or requiring a rope, ice axe or crampons, or at altitudes over 4,000 meters.

In the event of an accident or assault occurring during your stay, the medical team of AIG Travel, our assistance provider, is available 24/7 to provide you with personalized support. Where necessary, you will be put in touch with an advisor specialized in medico-social and psychological support.

Luggage insurance is automatically included in your plan and is effective for the length of the policy (not just while you are traveling to and from your country of expatriation). You are covered in the event of loss or damage to luggage checked in with an airline, or in the event of theft with forced entry or assault during your stay. Your valuables (computer, GoPro, etc.) are covered in the event of theft with forced entry or assault.

Your phones and tablets are only covered in the event of theft with assault. The price of fraudulent calls in the event of theft of your cellphone with forced entry or assault is reimbursed up to €50 if these calls were made before the registration of your request to block your SIM card and within 48 hours of the date and time of the theft.

Objects left unattended, normal wear and tear, dilapidation or negligence are not covered.
Important: identity documents, keys, airline tickets, travel tickets and means of payment are not covered.

The compensation will be calculated based on the replacement value with deductions made for dilapidation. In the first year of the purchase, the reimbursement value is calculated at 75% of the purchase value. From the second year of purchase, the value is reduced by 10% per year.

In the event of theft, it must be reported to local authorities. Make sure to keep your purchase invoices in your name so you can be reimbursed.

In the event of a delay in the delivery of your luggage, you will be compensated up to €200 provided that the luggage duly checked and under the responsibility of the airline used to fly to your destination country arrives more than 24 hours after your arrival time at the airport.

You will be covered if you are responsible for material damage or bodily injury caused unintentionally to a third party. While third-party liability insurance may be included in your home insurance policy, it will not be valid abroad. This can be a problem in litigious countries. Taking out third-party liability insurance abroad on a stand-alone basis is very expensive and prices vary greatly from one country to another - that's why we automatically include it in our benefits.

In the event of a road accident, your healthcare, assistance and repatriation costs will be covered. However, our plan does not cover damage caused to third parties or to the vehicle. You should take out car or motorcycle insurance during your stay if you are planning to drive a motor vehicle.

If you rent an accommodation in your destination country and you cause material damage as a result of a fire, an explosion or a water damage originating from the accommodation, you will be held liable as a tenant. Our benefit covers material damage caused to the owner of the rented premises up to €100,000 per event.

However, in case of property rental, do not hesitate to take out additional local home insurance in order to benefit from a higher coverage for all the problems that may occur during the rental period.

In the event of death occurring immediately or within 2 years as a result of an accident covered under the plan, the insurer undertakes to pay a lump sum of €15,000 to the beneficiary(ies).

If you are the victim of an accident covered under the plan and it is medically proven that you remain partially or totally permanently disabled, the insurer will pay you a lump sum of up to €75,000.

You will be covered in the event of an accident or hospitalization. This service is available 24 hours a day, 7 days a week. The assistance doctors will find the best solution for you and arrange the logistics and the payment of your local medical expenses as well as your evacuation, repatriation or return home after receiving treatment.

You may need treatment in a neighboring country offering better-equipped facilities and higher quality care than your country of expatriation. By choosing a plan that includes medical assistance and repatriation, you are covered for all transportation costs, including a visit from a family member if you are hospitalized for more than six days.

Other assistance services are available, such as early return in the event of hospitalization or death of a family member, cash advance in the event of loss or theft of identity documents or means of payment, etc.

Please note that the medical authorities of the assistance provider will decide and arrange repatriation. No expenses incurred without the assistance provider’s approval will be reimbursed.

If you are alone during your stay abroad and you are hospitalized for more than 6 consecutive days (or 48 hours if you are disabled) and your state of health doesn’t allow your repatriation, we provide round trip tickets free of charge for a family member to be with you. We will also cover hotel expenses for this person up to €100 per night (limited to 10 nights).

If your health status does not require you to be hospitalized but we cannot arrange your repatriation while your stay is coming to an end, then we will cover the costs related to the extension of your stay up to €100/night (limited to 5 nights) as well as a travel ticket to return home (up to €2,000) provided that you cannot use that initially planned for your return.

We provide you with a travel ticket to return home, provided that you cannot use that initially planned as part of your stay.

Family members include your spouse, your father, your mother, your grandparents and parents-in-law (your spouse’s parents), your children and grandchildren, your brothers and sisters and those of your spouse.

If your ID documents, visa and/or personal effects are lost, we will give you information on the formalities to be completed with local authorities to replace the documents you need to continue your trip.

If your credit card, ID documents and/or return airline ticket are lost or stolen, we will provide you with €500 per insurance period so you can replace them. To do so, a financial guarantee will be required in France. As this is a cash advance, it must be reimbursed.

We cover the cost of search and rescue missions organized by specialized companies following your disappearance or if you are victim of an accident, up to €5,000.

Only costs charged by a company duly authorized to carry out these missions will be reimbursed.

All sorts of conflict can arise in everyday life. Legal protection ensures you have all the legal and financial resources you need to assert and exercise your rights.
If you are incarcerated or if you face a prison sentence, provided that charges are not criminal offenses according to local regulations, we will cover the costs of legal advice up to €15,000.
We will also provide an advance of the bail bond up to €5,000 (to be reimbursed within 3 months of the day of the advance).

We will reimburse your meal, accommodation and transportation costs in the event of a flight delay of more than 4 hours resulting in a missed connection, to go to your destination country or to move back to your home country.

The plan covers you in most countries in the world (see the Information Booklet of your plan to get further information on the exclusions). You are covered in your country of expatriation but also for emergency medical expenses in a third country during temporary stays of less than 90 days and within the limit of €50,000 per insurance period and in your home country for a temporary stay of less than 30 consecutive days (within the limit of €10,000 per insurance period).

If you return to France for a temporary stay of less than 30 consecutive days and provided that your plan is still effective, you will benefit from coverage of your medical expenses following an accident or an unforeseen illness.

If you return to France permanently following a medical repatriation arranged by our assistance provider, your medical expenses will continue to be reimbursed for a maximum of 15 days after the date of your return, provided that the event resulting in the repatriation occurred in the destination country during the insurance period and that expenses are prescribed by a medical authority.

Please note that you will only be covered as a top-up to the French Social Security and any other complementary health insurance schemes, within the limit of the Social Security reimbursement basis and up to €10,000.

You are covered at the earliest on the day of your departure. If you are already in your place of stay at the time of enrollment, the “medical expenses” coverage in the event of illness will be effective after a waiting period of 12 days from the date of enrollment.

Any person of any nationality, aged between 18 and 35 on the departure date, living in France at the time of enrollment. Depending on the reason for your stay abroad (studies, internship, WHV, etc.), you may be asked to provide supporting documents when submitting your first claim. No dependent or other member can be added to the plan. Only the insured member will be covered.

Yes. For example, your parents can take out a plan on your behalf. Before going abroad, make sure they give you all the insurance documents.

You can enroll until the day before your departure.

Yes, but if you are already in your place of stay at the time of enrollment, the “medical expenses” coverage in the event of illness will be effective after a waiting period of 12 days from the date of enrollment.

The plan can be taken out for a minimum period of 1 month and a maximum period of 12 months (from 3 to 24 months if you have a WHV). It is not automatically renewed. If you want to extend your coverage, you’ll have to take out a new plan.

You will have to make a new enrollment online. If the plans are not consecutive, any pathology that appears during this period will be deemed pre-existing to your new plan, and the related medical expenses will not be reimbursed.

No specific documents are required when enrolling. No medical questionnaire is requested.

Later on, when submitting your first claim (i.e. your 1st claim for reimbursement or request to AIG travel), you will have to provide us with the following documents online so we can complete your enrollment:

− a copy of your valid passport or ID card.
− if you go to study or do an internship abroad: a certificate of school/university enrollment or an internship agreement signed in the destination country and indicating the start and end date of the studies/internship.
− if you go abroad with a WHV: a copy of your WHV.
− a proof of residence in France on the date of enrollment: electricity or gas bills, landline or cell phone bills, tax assessment, proof of home insurance or related bill, rent receipt, certificate of residence from a social organization or CROUS, or, failing that, accommodation certificate with proof of address from the housing provider.
− your bank details.

No, you should not be able to be reimbursed. The duration of coverage specified in each plan must be respected. If you are not sure how long you will be abroad, we recommend you take out a plan for a few months with the option to purchase another one for additional months.

Do not hesitate to contact us if you have to shorten your stay and you need some information.

You can contact us 24/7 by e-mail, phone or via your Members’ Area. We’ll send you the documents by e-mail as soon as possible.

When enrolling, don’t forget to send a copy of your documents to a family member for safety purposes. Also, make sure to print and keep a copy of your insurance card in your wallet as it may be useful for emergency services if you are unable to provide the required information at the time of your admission to the hospital.

Once you have taken out a plan and paid your premium, you’ll receive an e-mail with all the documents related to your plan, including your insurance certificate. Remember to check your spam folder.

Your insurance premium must be paid in full and by credit card only.

A third party can pay for your insurance, your parents for example, but make sure the plan is in your name.

You have until the day before your initial date of departure, and under certain conditions, to request cancellation and reimbursement of your plan. To do so, you must provide us with the required documents. Please do not hesitate to contact us for more information.

When you first log in to your Members’ Area, go to the MSH authentication page at www.msh-intl.com in the top right-hand corner, under “Login / Member”. Follow the “To get your login details” procedure and fill in the required fields.

− You will receive two e-mails: one with your login and one with your temporary password (make sure to check your spam folder).

− Go back to the MSH authentication page and enter the information you received by e-mail: the login and temporary password. Confirm.

− You will be able to change your temporary password in your Members’ Area.

At any time, log in to your Members’ Area to:

− Find your insurance documents (insurance card, benefits schedule, information booklet, medical questionnaire and the list of supporting documents to be provided when submitting a claim).
− Submit claims in a few clicks.
− Access your reimbursement statements.
− Geolocate a nearby healthcare professional.
− Update your personal details.
− Consult the country guides (only on the mobile app under “My country guides”) and the FAQ related to your plan.
− Contact us via the messaging service.

You can send us your bank details via your secure Members’ Area:

− when you submit your first claim, by adding your bank details to the supporting documents,
− by going under: “Your enrollment / Your details”: enter or update your bank details.

You can contact AIG Travel, our Assistance provider, to ask for this information. Otherwise, as an MSH member, your Members' Area gives you access to a global network of doctors and healthcare facilities recommended by MSH, along with their contact details, languages spoken and key services, by country or by specialty. Go to your Members’ Area under “Your healthcare / Find a facility” and narrow down your search according to your needs.

To make your expatriation and your remote consultations easier, you can benefit from the services of the AIG Virtual Care program. Teleconsultations are reimbursed in the same way as face-to-face consultations in the event of an accident, emergency or sudden and unforeseen illness, according to the benefits provided for under your international health insurance plan. You don’t have to make a cash advance as this service is covered under your plan.

The medical teleconsultation service offered by the Teladoc Health group via the AIG Virtual Care program, is accessible at www.aigvirtualcareprogram.comand in the language of your choice.

Go to www.aigvirtualcareprogram.com and select the language of your choice. Click on “Access my account”, and you will be redirected to a third website to create an account. Enter the required information and the access code provided when purchasing the plan. Once registered, you will be able to access the service of your choice.

No, no conversion or translation is needed. We can process claims in any language and in over 150 currencies. To calculate your reimbursements, we use the exchange rate published by the United Nations on the last day of the month preceding the date of your treatment.

We will reimburse you in the currency of your choice, unless this is forbidden under international banking regulations. You can choose the currency when submitting a claim online.

You have 15 days from the date of treatment to submit your claim. If you are sick and need to see a doctor, you must send us the following supporting documents to be reimbursed:

− MSH Medical Questionnaire (available in your MSH Members’ Area), duly completed, signed and stamped by your doctor or, failing that, a detailed medical report including the information required on the questionnaire and setting the foreseeable duration of sick leave from work.
− Paid invoices for doctor’s fees, invoices of healthcare facilities marked “Paid” or with proof of payment (e.g.: credit card receipt).
− Paid invoice of the pharmacy marked “Paid” or with proof of payment.
− Drug prescriptions.
− Prescriptions for examinations carried out.
− EHIC (European Health Insurance Card) statements, where necessary.

Contact AIG TRAVEL ASSISTANCE prior to any action: +33 149 024 670

. • Indicate your insurance policy No. and your ID No. shown on your insurance card included in the email you received after your enrollment. Our Assistance provider will contact the hospital and issue a precertification agreement so you won’t have to make a cash advance.

If you are unable to contact our Assistance provider when you arrive at the hospital, you should contact them as soon as possible to inform them of the situation. Otherwise, don’t forget to show your insurance card when you arrive at the hospital so that the medical staff can call us as quickly as possible.

Your personal insurance card is the key. Either you or the hospital can contact AIG Travel from anywhere in the world to obtain hospital precertification. Make sure you always have it with you and use it as identification upon admission to a hospital.

If you need to be repatriated after hospitalization and your state of health allows it, you must first contact AIG Travel, our Assistance provider, at the number indicated on your policy and your assistance card, so that they can arrange your repatriation to your home country.

You must submit a claim within 5 working days in the event of lost or damaged luggage. You must provide us with the following supporting documents:

− List of stolen items specifying the price and date of purchase.
− Copies of dated, personal invoices of personal effects.
− Certificate of final loss issued by the carrier and details of the compensation paid by the carrier.
− Air fares.

You must submit a claim within 2 working days. You must provide us with the following supporting documents:

− Copy of the police report issued by the competent authorities.
− List of stolen items specifying the price and date of purchase.
− Copies of dated, personal invoices of personal effects.

In the event of fraudulent use of your SIM card, you must also provide us with:

− The detailed invoice showing the amount of fraudulent calls made by a third party with your cellphone,
− The copy of the request to block your SIM card submitted to the concerned operator.

You must report the loss within 15 working days from the time you become aware of it. You must provide us with the following supporting documents:

− A sworn statement detailing the circumstances and consequences of the event incurring your third-party liability.
− Any correspondence, writings, summonses and legal documents relating to the loss.
− Document notifying us of any legal proceedings or investigations you may be subject to and related to the third-party liability claim you reported.

In the event of hospitalization of a family member for more than 48 consecutive hours, the Assistance Provider will provide tickets to return home, provided that you cannot use the transportation ticket initially planned as part of your stay. First, you must contact AIG TRAVEL ASSISTANCE: +33 149 024 670.

Go to your Members’ Area under “Contact us / Messaging / New conversation” and select the following reason: “03. Your healthcare claims / 2. Incorrect, incomplete or denied reimbursement”. Once you have filled in the fields, you will be able to upload the additional supporting documents.

Go to your Members’ Area, under “Your reimbursements / Your reimbursement notices” and click on the envelope on the right of the corresponding reimbursement. An explanation of the denial will be available.

We sent you these documents by email when you enrolled. If you cannot find them, you can contact your Claims department (by email, phone or via the messaging service of your Members’ Area) to ask for a copy. An electronic version of your insurance card is also available in your Members' Area.

As soon as you become a member, you will receive a personal insurance card with all our contact details. You can contact the AIG Travel assistance department 24 hours a day, 7 days a week or log in to your Members’ Area to submit a claim, check your reimbursements or send us a message.