- Groupe Siaci Saint Honore (turnover: € 164 million)
Reinsurers: Gan, Axa, AGF
20 years experience in international attention
Headquarters for the Americas in Calgary.
A fairly broad offering with a proposal for low cost (Quartz) and VIP (Diamond).
Possibility of applying a deductible to reduce premiums.
Interesting coverage / price ratio.
Effective hospital management.
- Technology: App can be used for claims of less than 500 euros
Good to know
Ceilings limit expenditures for routine care (except for Diamond).
Ceiling on newborn care, in case of complication during the delivery.
Long-term solutions:> 1 year
Annual ceiling: from € 400,000 to € 2,400,000
Age limit for subscription: 70 years.
Quartz: a security option
Pearl: a comfortable option
Sapphire: a high-end option
Diamond: a VIP option
3 levels of coverage:
Hospitalization + routine care + vision / dental
Hospitalization + routine care + Maternity + vision / dental
MSH Insurance Options
Civil liability and legal assistance (included)
Loss of capital and loss of autonomy
Work stoppage compensation
8 annual franchise choices
From € 250 to € 5000 depending on the country.
Temporary solutions: less than 12 months
Annual expenditure ceiling: € 250 000
Ceiling of the single room: € 200
1 formula only but 2 tariff zones:
Classic solution: not including USA
Complete solution: including USA
The solution includes all options:
Repatriation, legal, luggage, civil liability, death benefit.
Guarantees are slightly higher, except for the comparison of tariffs. Hospital management can be an important parameter as, in general, clients are often young with little capital to provide upfront for hospital care.