MSH Recensioni 

Delayed reimbursements, failured communication between claims and medical departments, limits on size of document uploads needed for support. Lackadaisical attitude towards clients. MSH claims department lacks clear, efficient management and MSH is pathetically subpar.

Very disappointing reimbursement experience with MSH International. I currently have four approved reimbursement claims that remain unpaid.
For two claims, MSH initially told me that they did not have my bank details, even though I had already provided them. I had to submit the bank details again, and the claims were then forwarded to another department. They still have not been paid.
For two other approved claims, MSH stated that the payments had been made to my bank account and had been rejected by my bank. I contacted my bank directly, and they confirmed that no such transfers were ever received or rejected.
I have contacted MSH several times and have now submitted a formal complaint. I keep receiving generic responses saying that the claims have been transferred to the relevant department and will be processed “as soon as possible”, but no concrete payment date has been provided.
The issue is not the approval of the claims, but actually receiving the money. This has been unnecessarily time-consuming and frustrating.
I hope MSH will resolve this promptly, but based on my experience so far, I cannot recommend their reimbursement process.

Une lettre de guarentie qui a pris un retard de 10 jours pour que j'obtienne une réponse négative pendant ce temps que j' ai supporté les frais de logement dans une ville de la capitale.
L'entreprise refuse de payer les frais de mon Rapport Médical que je suis supposé fournir à mon employeur pour confirmer mon aptitude pour la reprise de service terrain.

It has been over 5 months of chasing my claim, and it still has not been properly resolved. The constant delays and lack of action make it seem as though the company is intentionally avoiding paying the claim. Customer service has been extremely frustrating, with agents disconnecting calls and providing little assistance when asked to speak to a supervisor or manager.

I spoke with Kavitha, who assured me that my claim would be processed, but nothing came of it. Out of a claimed amount of $400, only $50 was paid, and the case was closed with an unsatisfactory excuse.

This level of service is unacceptable. I regret purchasing this policy and feel that my money has been wasted. I would not recommend this company or any of its products based on my experience. The claims process and customer service need serious improvement.

Une Consultation médicale en urgence pendant un séjour en chine.
j'ai fais 2 demandes de remboursement qui ont ete annulée sans raison ni explication.
Et je passe ma vie a les appeler pour qu'ils me disent on vous a remboursé hier (alors que rien n'a été fait) puis ensuite il ce renvoi la balle entre leur assureur AIG et MSH que je dois contacter moi meme!
Une vrai catastrophe et pendant ce temps la toujours aucun progrès dans mon remboursement de 300 Euros!
Fuyez ce n'est plus ce que c'était !!!

You haven't reimburse us for 3 months and haven't provided any feedback as to why. You have constantly put us in contact with person that cannot provide answer, and either managers are "busy" or the relevant department is not reachable.
Shameful at best.

Sert absolument à rien !! 200€ de gâché
Aucun soin remboursé ils font les autruches

MSH est malhonnête. En arrivant en France, j'ai souscrit une assurance santé pour 3 mois, le temps que mon compte CPAM soit actif, afin d'être protégée face aux aléas et urgence. Il était stipulé que les remboursements intervenaient en cas d'urgence. J'ai été obligée de consulter un Gynéco en Urgence et de prendre un traitement. La case Urgent était cochée par le médecin sur la feuille de la sécu. MSH a refusé de me rembourser, estimant que l'urgence n'était pas avérée. Ils me demandent un rapport médical justifiant l'urgence, comme si le gynéco n'avait que ça à faire... Du coup, je n'ai pas été remboursée, ni de la consultation ni des médicamments. Bravo pour cette assurance d'escauds!!

Tres bonne compagnie d'assurance. Remboursement tres rapide et tiers payant efficace.

J' ai appelé pour savoir si j'étais couverte pour le dentiste. Apres examination de mon dossier, on m'a dit que oui. Quand j'ai essayé de me faire rembourser, on m'a dit que je n'étais pas assurée pour cela.

(Le formulaire ne me laisse pas choisir la vraie date, c'était en 2024).

Super expérience. Je cherchais une assurance pour m’expatrier à l’étranger et on avait beaucoup de difficulté à en trouver une qui correspondait à 100% . On a eu la chance de tomber sur MSH et Sofya qui a su nous expliquer et nous donner des conseils et nous trouver l’assurance qui allaient nous convenir le mieux. Je recommande !

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.