Founded in 1992, ASFE (Association de Services des Français de l'Etranger) is a non-profit association that provides insurance solutions for expatriates. The management of the contracts is entrusted to MSH International, a global leader in designing and managing international health solutions, that serves over 400,000 insured individuals in 194 countries and operates from four management centers located in Calgary, Paris, Dubai, and Shanghai, collectively employing over 400 professionals.
MSH International is the health partner for individuals in international mobility, including employees of multinational corporations, staff of international organizations, employees of small and medium-sized enterprises, individual expatriates, students, and cross-border workers. ASFE, specifically designed for French individuals.
| Launch Year | 1992 |
| CFE Approved | Yes |
| Number of Plans Compared | 22 |
| Hospital Direct Billing | Worldwide |
| Management Centers | Calgary, Dubaï, Paris, Shanghai |
| Expat Policy Insurer | Groupama GAN |
| Evacuation Assistance | Europ Assistance |
| Applicable Law | French |
Available as 1st euro plans. Enrollment up to 60 years old, with liftime health coverage. The contract's currency is flexible, with options in Euros or US Dollars. Modularity and customization possible with four levels of benefits, two module options, and optional deductibles.
Reimbursements are processed in 150 currencies. The extensive medical network, comprising 6,000 global medical centers outside the United States and 750,000 healthcare professionals in the United States, facilitates direct billing in approximately 60% of cases, eliminating upfront costs for the insured.
For those in the USA, a specific version in USD is available, and working with the United Health Care network.
Different options available: repatriation assistance, death benefits, and a disability coverage. This life insurance uniquely offers a particularly advantageous disability capital for all causes.
| Coeff. | Score | |
| Underwriting process | 10% | 7.5/10 |
| Waiting periods | 5% | 4/5 |
| Timeliness of reimbursements | 20% | 16/20 |
| Claims management | 10% | 4/10 |
| Rate increase | 20% | 19/20 |
| Contractual and legal security | 20% | 16/20 |
| Exclusions | 10% | 8/10 |
| Contract flexibility | 5% | 3/5 |
| OVERALL SCORE | 77.5/100 |
Feedback on ASFE
Joseph on 09/11/2021
Fast response on processing expenses. The website system in place is friendly to use and nor delay nor server problem when processing the billing.
Satisfactory review
Kévin on 04/14/2021
I am satisfied with the speed of the care, the good communication as well as the administrative simplicity of the transmission of the documents.
very good advice. listening to the needs.
SIMON on 03/10/2021
Hassen was responsive, very good advice. listening to my needs.
MC on 02/20/2021
Everything is ok I haven't really needed to use my insurance yet. The app is convenient to get reimbursed and the responses are quick.
Very professional and fast service
Cw on 02/19/2021
We have been with ASFE for a year now and so far we are very satisfied. The application is very easy to use. Very fast reimbursement... sometimes a little low but I guess that's because we are on their lowest plan...We also had to use their Physician Direct application and the speed of their response and consultation with specialists was absolutely fantastic.
A reliable and efficient insurance
Vera on 02/19/2021
Excellent insurance that you can count on in case of a problem. Following an accident, I was fully taken care of at the Tran hospital, including the transfer by ambulance to and from the hospital. Thanks again!
excellent service on 12/01/2017
vero on 01/12/2017
clear contract of services, see with practice for a real evaluation of the service rendered
professional. on 28/06/2015
wesley on 06/28/2015
Fast transmission of documents, once again we had answers to our questions. Our coverage seems satisfactory, the contract is honest, we will see afterwards with the use.
Thank you for the great service on 12/06/2015
Charly on 06/12/2015
Nothing to say for now!
Very satisfied and grateful on 20/05/2015
Maddo on 05/20/2015
A little early to answer.
Quick and efficient advice and services on 19/09/2014
Justine on 09/19/2014
Panama on the 28/04/2014
yvan on 04/28/2014
Haven't had time to evaluate the insurer yet after a few months of coverage.
For now... on 04/04/2014 on 04/04/2014
Bertrand.. on 04/04/2014
Despite complications related to my situation, the solution has been found. Too little time to give an opinion on the chosen insurance. As the formula requires, so far so good...
+33 531618450
