Insurer evaluation · sourced dossier

MSH Internationalread before you sign.

Use this guide to assess a specific MSH International plan, not the brand in isolation. The insurer name is included for comparison research; it does not confirm a commercial partnership, product availability or recommendation.

Illustrative stock photographs (Unsplash); not ExpatMedicare staff, clients or MSH International members.

Document-led product discovery

Specialist international plans

Compare specific international product families, benefit schedules and the legal insurer behind each brand.

Evidence read
18 October 2026

8 tier / reimbursement-basis records · benefit ceilings, not premiums

First euro / dollar

First’Expat+

Quartz

Full MSH International dossier

US$625,000

Annual reference benefit maximum · USD

Groupama Gan Vie

First euro / dollar

First’Expat+

Pearl

Full MSH International dossier

US$1,250,000

Annual reference benefit maximum · USD

Groupama Gan Vie

First euro / dollar

First’Expat+

Sapphire

Full MSH International dossier

US$2,000,000

Annual reference benefit maximum · USD

Groupama Gan Vie

First euro / dollar

First’Expat+

Diamond

Full MSH International dossier

US$3,750,000

Annual reference benefit maximum · USD

Groupama Gan Vie

CFE top-up

Relais’Expat+

Quartz

Full MSH International dossier

US$625,000

Annual reference benefit maximum · USD

Groupama Gan Vie

CFE top-up

Relais’Expat+

Pearl

Full MSH International dossier

US$1,250,000

Annual reference benefit maximum · USD

Groupama Gan Vie

CFE top-up

Relais’Expat+

Sapphire

Full MSH International dossier

US$2,000,000

Annual reference benefit maximum · USD

Groupama Gan Vie

CFE top-up

Relais’Expat+

Diamond

Full MSH International dossier

US$3,750,000

Annual reference benefit maximum · USD

Groupama Gan Vie

Source boundaries

Products still under document review

Bronze / Silver Lite / Silver / Gold

Full 2026 comparison page read; annual maxima US$1.5m / 1.5m / 2.5m / 5m. Applicable plan agreement and currency-specific member guides have not been retrieved; no complete contract comparison offered.

Official source

Expat Santé

Current benefit table, carrier and policy version still needed; the surfaced 2015 CFE brochure cannot establish current benefits.

Official source

International medical products

Matched residence-specific brochure and policy wording have not been read in this iteration.

Official source

If you compare alternatives

  • Compare an accepted MSH International quotation with alternatives using identical residence, people, dates, modules, area and deductible.
  • For ongoing care: ask each issuer about accepted medical continuity, prescriptions and treatment in every setting.
  • For a family or planned maternity: compare waiting periods, newborn terms and each member’s accepted schedule.
  • For frequent moves or remote stays: compare residence eligibility, local network, transport approval and renewal clauses.
  • Reject a proposed fit if the actual contract leaves an essential need uncovered; a brand name alone cannot settle the choice.

Request the documents

Ask an adviser whether the exact product is available for your residence and request current documents through an appropriate channel. Share medical declarations only through the insurer's secure process, not a general WhatsApp request.

Start with the actual policy documents.

Ask about MSH International plan evaluation, current wording and the appropriate next steps. No medical records in the initial message.

Request current documents