Reviews about ASFE-MSH

ASFE
Score awarded by policyholders
3.7/5 for 15 reviews
Score awarded by experts
77.5/100
Destination country

Who is ASFE-MSH ?

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

Trait

ASFE expatriate insurance

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.

Trait

Reviews by experts
on expatriate health insurance

Score awarded by experts
77.5/100
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
Strengths / Weaknesses
Trait
Strengths
  • 4 management centers (Calgary, Paris, Dubaï, Shanghaï)
  • Direct billing for expenses over 0
  • Various solutions in case of medical history
  • Specific plan and direct billing in the USA
  • Complete mobile app and online membership
  • Comprehensive and affordable disability plan
Trait
Weaknesses
  • Outpatient care don't have 80%-90% alternatives
  • Maternity package includes follow-up costs
  • Maternity with comprehensive plans only
  • High rates for some expatriation countries
  • No lifetime repatriation assistance (70 years)
  • The contract may be difficult to understand

Reviews by policyholders

Score awarded by policyholders
3.7/5 for 15 reviews

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...

Verified reviews 4.9/5