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No exclusionS
Your application will reviewed by our underwriters, offering you in most cases a direct acceptance. Based on your past medical history or ongoing claims, a fair loading on your premium can be decided, but no exclusions will be applied.
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No penalty
Your renewal rates are not based on your claims, and will only increase when all rates need to be reviewed and with your age.

After payment of your premium, you will receive your Welcome Pack by e-mail including:
• a personalized card showing all our contact details,
• your login details allowing you to access all our on-line services available at www.msh-intl.com in your Member Area,
• your member’s guide, including your general terms and conditions and a practical booklet to help you through your healthcare procedures and to provide you with clear and useful answers to the questions you are likely to have.
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