MSH Reviews 229

Continues to mismanage claims. Lengthy process and disorganised. Staff working remotely and calls are frequently disconnected and no one calls you back! No notes left on record so the patient has to repeat the issue every time you call for an update. Claim is still pending and several weeks after you submit, they ask for another document. Like we are all lying about our medical issues! Absolutely no confidence in this company. Causing the patient unnecessary stress and anxiety. My claim is still not resolved and service is not improved despite complaints! Sorry but this is unacceptable service.

This issue that I am writing this review on is currently ongoing. I have submitted a claim in January 2023 and to this date [13.03.2023] have only received e-mails that states MSH is currently reviewing the claim, or giving the matter urgent attention. This is very frustrating. MSH is only dragging their feet, I don't know why. Also agree with a previous review done, by mr. Pierre Lorillou. It seems that I have to try and get into contact with some of the Board members to have this resolved.

Great company. Very efficient and client oriented. I strongly recommend

Monitoring of claims are very difficult with MSH as (i) communication received by email does not give any details of what has been done or on content of the message left in the portal and (ii) reference used are only numbers without direct link to the claim. The reimbursement dashboard should also show how much was requested for the claim. Moreover customer service always ask lengthy details that have most of the time already been given. Recent experience also ended with MSH sending money to doctor instead of me. All in all, managing claims with MSH is very time consuming and not satisfactory. We hope this can be improved. Best regards.

Worst of the worst. I don't understand why would any companies would even make any contracts with them. Long delays in answering emails, or if not went went unanswered. Different information provided on the phone vs on emails. Very stressful to deal with this company!

Delays in processing online medical services makes MSH not to be a better option particularly for countries like south Sudan where the company has no physical presence.

A company that abandoning their sick clients after 10 years of policy. You are criminals, see you in court

Fellow the instruction to call MSH when encountered medical emergency but not easy to get a pre-approval coz they do ask for medical report! How come a medical report when heading to get emergent medical service!?
When you wanna follow up with the MSH team, no fixed representative follow up your case, u have to repeat your case details again again and again. The worst is that no one follow up after you repeated to describe the case and seek for help further. Up to this moment, my reimbursements still unable to proceed properly.

If I could have give 0 stars I would have. NEVER USE MSH INTERNATIONAL THEY ARE A PYRIMIAD SCHEME!!!!!!!!

I’ve had a rough experience. For the three small claims I’ve made, none were paid out without contacting my broker and getting attention. These were simple doctor visits and some antibiotics prescriptions. It feels like they just want to keep the money and use any excuse not to pay.
Plus the user experience on there system is lacking. It was hard to figure out exactly where to login and for one claim I was not able to access the online claims system, and had to fill in a form which was cumbersome and took me an hour for two simple doctors visits.
I would definitely not consider doing business with this company again.

Once again MSH are not paying out approved medical bills!

This has been a repeat occurrence, full of excuses - even trying to blame the receiving bank, when payments are even getting to them! Never take responsibility to the point this has made me ill and put me into financial difficulty.

The service once again has been poor, have asked for a senior manger several times to contact me and never do!

Even after they resolved this situation previously, will took well over a month, and several months since submitting the expenses, they then, instead of apologising, send me threading legal letters about posting reviews.

Their service is a disgrace - beware if you choose them, what service you will get, and unsurprisingly there are so many negative reviews across the internet for them!

Submitting court action to recover the money and will be seeking damages

MSH5882669

- comments about reply which is factually incorrect, they are not and have not been in regular communication, quite the opposite. They also claim to be communicating to third parties, but this is only company I have ever had an issue receiving money from!

Terrible service and response yet again.

In the time of last five years we do not have any problems with the service of MSH. Always we get good service in time. Also, regular meetings organised by MSH in UNESCO helps very much" to solve "problems" quickly.

I really want to give no stars. I know I live in a foreign country but those I interact with at MSH international do not seem to understand English. They overlook pretty much all questions and queries sent to them. Their responses are slow. Incoherent. It’s very frustrating. Then in terms of simple requests regarding prescriptions and such things they never seem to be able to resolve or offer a reasonable service. I recently wanted some basic prescriptions and the only pharmacy I can attend is on the other side of the city; despite there being approximately 100 pharmacies between here and there. Whenever I question why I should pay £40 round trip in a taxi as I have no car just now, I’m met with incoherent incomprehensible babbling! I’ve tried to remain calm with their support team but please believe me when I say avoid MSH International medical insurance at all costs. They have no interest in customer service at all. The irony is that this company worsens a person’s state of health on account of their incoherent inexplicable responses. Avoid!

I had a drill fragment stuck and burnt in my cornea. I thought it was an eyelash or something so I waited a couple of days to see if it was going out by itself but it started itching all the time and couldn't get it out. So I go to the hospital and they send me to an eye doctor which gets it out shortly after. Until here everything normal, the hospital sends me the bills home, I call MSH to see what should I do and someone on the phone tells me to pay and to ask for a refund. So I do and send the claim but this company refuses to reimburse me because the drill fragment in the eye was not an emergency since I went to the hospital 3 days after the accident. I tried many times to contact them by email but they stopped replying and I asked multiple times for a phone number because the Calgary one on the website never works but never sent me any. Still waiting for 1000$ from them from 8 months ago, I think I will contact a lawyer not to get the money but just to get back at this horrible company, if you are reading this never never get involved with them it's the worst company you can ever choose read also the other reviews, I'm not an exception, this is one of the typical behavior they have with their customers.

Edit: I wrote to the email they told me below and still they do not reply. Never trust this company. I lost only time in contacting them. I think I will contact a local tv channel so as many people can see how bad is this company, I hope their policies will lead to its failure. Also, I believe the positive reviews you see are 100% made from employees, positive reviews are never supported and are very basic, while all the negative ones are all well argumented and supported by stories of people, don't let them fool you.

Edit: After the bad review someone (after 3 months of not replying to any communication) contacted me. Heads up, this doesn't mean they refunded me, I'll keep you updated. If you have problems with them apparently you have to review and tell your story, only after they realize that the damage to their image may lead to some profit loss then maybe they will reconsider stuff.

Update: finally after 10 months of stress and being told that a drill fragment in the eye was not an emergency apparently they are going to reimburse me. The situation was unlocked by this review, otherwise, they would have never escalated it to a "senior specialist". I'll leave this nice quote from the company from one of their few emails after I was insisting that a drill fragment burnt and stuck in the cornea required immediate assistance:

"A true emergency would mean you would go when the incident occurred. (...) seeking medical attention (...) at a hospital would not be deemed appropriate" -msh international

I've contacted MSH International 416-730-8488 3 times to get my policy cancellation refund with no sucess. First time i was told the lady who handled the refund is on maternity leave, 2nd time I was told they will expedite the refund. Today I was told they couldn't reach anyone in the refund department.

Terrible service, customer support is responding very slowly or not at all, and once the delays have pushed you over the time limit, reimbursement is denied. Claims are randomly getting denied because they require paper prescriptions, which we don't even have here any more. I repeatedly indicated that the prescribing doctor is listed on the provided document but I keep getting the same standard reply.

Our family has an extremely comprehensive and extremely expensive health-care policy with Previnter Paris which works through MSH International for US permanent residents which we are. We had no issues with MSH and its Calgary office till a year and a half ago. Now they are not reimbursing physicians to whom we have been going for years. When my husband had to have a minor surgical intervention at a surgery center in our city, they called the Calgary office which informed them we only had 'traveller's insurance' which is absolutely false. Calgary informed us that they work through the network of a company called Global Excel in the US. Previnter in Paris informed us we should also be in network with United Healthcare in the US. MSH in Calgary denies this. We asked them for a list of hospitals we are in network with in our home city (pop. 2.5 million). They informed us that Global Excel has no hospitals they are in network with in our city. However, if you look on the portal for Global Excel providers, multiple hospitals are listed for our city. We do not know what is going on or if we should seek legal advice. As it currently stands we are paying for extremely expensive health insurance (which should cover 95% of all medical bills and hospitalization including and for over $100,000) and getting no coverage.

MSH International is perhaps the worst company I have ever had the displeasure of dealing with. I held a health insurance policy with them based out of Dubai.

I could write a novel detailing how bad they are, but to summarize:

1) They will do whatever they can to not pay out claims-regardless of what the policy wording says. Every single time I had a claim denied, I got it eventually overturned, but it took months and tons of hassle and even contacting senior executives that I happened to know personally. At times, they had to be "reminded" of their legal obligations as per local insurance regulations.
2) The customer service is abysmal. If you happen to be in the UAE, try calling them at night when the Dubai office is closed so you can speak with someone in Europe as they are usually more helpful.
3) I tried to add my newborn baby to my policy-customer service is so bad that they never even came back with a quotation.
4) When you try to escalate, customer service refuses to provide you with an escalation policy, or contact to file a complaint. (Most reputable insurance companies will publish a complaint policy).

This company caused huge amounts of stress for me, and I recommended purchasing your insurance elsewhere.

I was insured from 2014 to 2021 and the service kept declining. Today, emails to customer service are regularly ignored so you have to complain to the underwriter more and more. Refunds are repeatedly calculated incorrectly (not in accordance with the T&C) and staff keep committing the same refund calculation mistakes over and over again. Getting them to correct it can take 2 months and several complaints. Refunds directly to hospitals and clinics are delayed so much that I was once close to getting urgent surgery denied at an eye clinic (after retinal detachment) because their previous invoice remained unpaid. Chasing up payment was a complete nightmare with nobody knowing anything or taking responsibility and emails being ignored.

Even my cancellation of the policy was ignored, so I had to complain to the underwriter again.

Avoid like the pest if you value your health. It is a shambolic company with staff that don't care about doing things right or treating their clients right.

I'm writing to customer service several times regarding the enrollment process and NEVER get to proper response. My company allows employee to insure our dependent as a benefit. I was not informed about providing additional info of my spouse while enrolled. There is NO confirmation, NO reminder at all to provide spouse info during and after the enrollment process.
I was enrolled on 13th May, 2020 where my spouse should be enrolled at the same time as I do.
I later found out my spouse was not enrolled successfully because I need to provide additional info in the application form.
Due to this process issue, I have to re-enroll my spouse and the policy took effect on 13th May, 2021.
My spouse was pregnant around April, due to this issue, there is a 12 months waiting period which prevent us from using relevant maternity benefit.
If my spouse was enrolled correctly in 2020, there wouldn’t be any issue. I have written to MSH China but never get a good response about the enrollment process. They told me they will review with their internal team but NEVER get back to me. I requested the customer to call back but they just ignore my requests. Please be careful. Don't use MSH at all.