From your Application Form to renewal of your international health cover
You just send us your Indigo Expat’s Application Form for your international health cover (OnePack or WeCare) and we thank you for your trust!
To clarify next stages, find here the different steps of your contract for the coming months:
Your Application Form is submitted to the Underwritting Dept, which will check that all information have been filled in and which will analyze your medical questionnaire.
The following responses are possible:
- your file is rejected (the Underwritting Dept does not have to justifiy its decision)
- Special Conditions apply to consider pre existing condition (exclusion and/or extra premium). Further information can be requested in that case (including medical reports). If Special Conditions apply, you recieve the Special Conditions document which has to be siged and returned to process your Application.
- standard conditions apply
Invoice and activation of your international health cover
If tax applies in your country of expatriation, it will appear now on the invoice of your international health cover. Tax are collected by the Insurer and paid to the State to make sure that you are in line with the local regulation. Please note therefore that tax can change according to the regulation if you remain expatriate in the same country, and can disappear from your invoice in case you change your country of expatriation.
If you pay by bank transfer , please note that it is important to mention your reference which is indicated the invoice you will recieve by email from MSH International. This is the sole way to identify and allocate your payment to your policy.
To obtain a quick activation of your policy / international health cover, you may opt for credit card or direct debit payment.
When your payment is allocated, your policy is activated and you can benefit your coverage and services.
You will recieve a Welcome Pack at the end of the enrolment process. Recieving the Welcome Pack means that your payment has been recieved and allocated to your policy.
You Welcome Pack includes:
The Notice of information
Toutes les informations relatives aux garanties de votre contrat figurent dans ce document disponible en ligne sur l’Espace Assuré dans la rubrique « Votre Affiliation, Vos garanties ». Vous pouvez ainsi le consulter à tout moment.
This Guide is downloadable, at any time, in your Member’s Area. It is a supporting document to understand processes, identify who you should contacta nd when. All contact details of the administration platforms are mentioned to make sure that you can contact claims administrators or the Medical Dept at any time.
Your insurance membership card contains all the necessary contact information. Make sure you always have it with you and use it as identification when contacting MSH International or upon admission to a hospital.
This card enables the health care provider to contact us to set up direct payment arrangements and to settle the payment of your medical bills.
A digital version of your insurance card is available on your MSH mobile app, and a printable pdf version can be downloaded from your members’ area, under “Your Enrollment / Insurance ID card”.
Your Member’s Area, available in 7 languages on our website as well as on our Mobile app, contains all the information you need about your plan and provides you with many helpful online services. Your login details are the same for the Members’ Area and the Mobile app.
Helpline / Client Services
You can identify yourself with your personal details (name, surname, date of birth, policy n°) when contacting the Helpline or Client Services, and benefit your coverage and services. At least, French and English are available 24/7.
- Americas : Suite 300, 999-8th Street S.W., Calgary, Alberta T2R 1N7, CANADA ; Tel : +1 403 539 6136 ; Email : email@example.com
- Europe : 23 allées de l’Europe 92587 Clichy Cedex, FRANCE ; Tel : +33 1 44 20 48 15 ; Email : firstname.lastname@example.org
- Middle Esat / Africa : 19th Floor, One by Omnyat, Business Bay, PO Box 506537, Dubai, UAE ; Tel : +971 4 365 1302 ; Email : email@example.com
- Asia : 5/F, North Tower, Building 9, Lujiazui Software Park, Lane 91, E Shan Road, Shanghai, P.R. CHINA 200127 ; Tel : +86 21 6187 0591 ; Email : firstname.lastname@example.org
Request for reimbursment and hospitalisation
Helpline / Client Services is at your own disposal to respond to all your questions on benefits, procedures, reimbursments, prior approval, hospitalisation, insurance certificate and to assist you with the claims administration.
You can send your request for reimbursment by
- Mobile App
Log in to your members’ area on www.msh-intl.com and go to the “Fill out a Claim Form” section. For a medical invoice up to 500 EUR, you will be able to directly upload your scanned supporting documents (medical / prescription drugs fees, medical prescriptions and/or reports, doctors’ and other medical providers’ invoices, etc). For a medical invoice exceeding 500 EUR, you must fill in your online claim form, print, sign and send it together with all original supporting documents by postal mail to your Claims department. You will find the contact details of your nearest Claims department in your members’ area under “Contact us / Our Contact Details”.
Go to the “My Claims” section. For a medical invoice up to 500 EUR, you will be able to directly take a picture of your
supporting documents or directly upload your scanned documents from your mobile. Please note that you can submit only one treatment for one member at a time.
Log in to your members’ area on www.msh-intl.com and go to the “Fill out a Claim Form” section. Print, sign and send the claim form together with all the supporting documents by post to your Claims department: : MSH International / Indigo Expat, 23 allées de l’Europe 92587 Clichy Cedex, FRANCE
Fill out your request in your Member’s Area, under the “Your reimbursements / Precertification and Direct Payment Request” section, at least 15 days before your admission. Do not forget to attach your supporting documents (treatment plan, medical report, estimate of costs, etc.).
You can also send your request by email to email@example.com
We will make the necessary arrangements with the hospital and confirm your precertification agreement within 72 hours.
Go directly to the hospital. Present your insurance card at the admissions desk and ask them to contact us as soon as possible, but no later than 72 hours after your admission. We will immediately issue our precertification agreement and follow up the case.
Before the end of the 3rd month, contact your claims center to announce your pregnancy and inform us of your expected due date.
Two months before the expected date of delivery, fill out your precertification request in your Member’s Area. You can also send your request by email to firstname.lastname@example.org.
Once you have notified your pregnancy, you will be contacted by our medical team. They will assist you to find the best facilities and support you throughout this important time. You will also be provided with a “Baby Welcome Pack”, containing a pregnancy guide which includes a range of practical advice to help you understand the different stages of your pregnancy, the birth and the first weeks with your child.
Assistance and repatriation
Any assistance must be requested directly by the Member (or by any person acting on their behalf) using either of the means specified hereafter or risk being inadmissible.
Tokio Marine Assistance:
- Telephone : from France Tel : 01 48 82 62 35 ; from any other country Tel : +33 1 48 82 62 35
- Fax : from France Tel : 01 45 16 63 92 ; from any other country ; Tel : +33 1 45 16 63 92
Renewal of your expat health insurance
You will recieve your new conditions approx. 2 months before renewal date by your Moncey Assurances’ contact.
Conditions depend on product review, technical results (incl. loss ratio between premiums and claims), medical inflation…. For more information on medical inflation, please read our dedicated web page.
1. Sales aspects: your Moncey’s Advisor
We remain on your sides to manage your contract, to add/delete dependents, modify your benefits at renewal, review your international health cover if your situation changed… to provide you with additional coverages (assistance, life & disability), and in case you face difficulties with providers
2. Claims administration and hospitalisation: Helpline & Client Services (MSH International)
3. Invoicing: Credit Control (MSH International)
Please pay attention to the local regulation
Please note that subscribing to an expat health insurance does not free you from the local regulations. If you are eligible to contribute to the local healthcare system in certain countries and do not have local cover in place, you may be subject to paying a tax levy