MLES Health Insurance Benefits

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https://www.mshasia.com/

Maple Leaf Educational Systems is proud to partner with MSH China to provide world-class health insurance to educators and staff. Benifits extend to

Founded in 1974, MSH INTERNATIONAL is a world leader in the design and management of international healthcare solutions. Its four regional headquarters located in Paris, Toronto, Dubai and Shanghai, MSH INTERNATIONAL provides 24/7, round-the-clock assistance in 40 languages for its corporate clients and insured members across 200 countries.

  • The International Plus Plan covers medical treatment anywhere in the world, except in the U.S. and Canada.
  • In the U.S. and Canada, there is coverage for *Emergency treatment only.

Benefits (2019)

  • Pre-existing Conditions are covered without a waiting period.
  • No waiting period for Maternity Related benefits 
  • All treatment costs for Congenital Conditions or birth anomalies 
  • All treatment costs for Chronic Conditions
  • Catastrophic Illnesses, as defined in the Policy  
  • Standard private room (suite room is not included) in Mainland China, semi-private room elsewhere 
  • Companion Bed (see Policy for age limits)
  • Intensive Care, Cardiac Units
  • Nursing Care
  • Medical treatment, drugs, medications, laboratory, x-rays, diagnostic procedures and tests, biological anesthesia and oxygen services, blood products and their administration, dressings
  • Radiation therapy, inhalation therapy, respiratory therapy, chemotherapy, physical and occupational therapy
  • Video Laryngoscope
  • Inpatient Consultation by a Physician or Specialist
  • Operating room and recovery room
  • Inpatient Surgery
  • Inpatient Surgeon & any Assistant Surgeon
  • Anesthesiologist & any secondary assistants
  • Medical Emergency Services
  • Emergency Room (if leads to Hospital Admission)
  • Day-care Treatment
  • As per Hospitalization and Inpatient benefits, received as a
  • Day-care patient.
  • Extended    Care    Facility,   Skilled Nursing,    and Inpatient
  • Rehabilitation
  • Must be confined to facility immediately following or in lieu
  • of a Hospital stay
  • Transplant Services
  • Medically Necessary human organ, blood, bone marrow,
  • stem cell transplants, and other similar procedures
  • Expenses for Donor, Donor search, and transplant tissue fees
  • are not covered.
  • Mental Health as an Inpatient
  • Psychotherapeutic treatment and psychiatric counseling and
  • treatment    in  a   Hospital    or  approved    facility;   Bulimia, 
  • anorexia, Bereavement, non-medical causes of insomnia, ADD, and ADHD are covered conditions.
  • Inpatient rehabilitation treatment for alcohol and drug abuse
  • Hospice Care (Inpatient basis)
  • Emergency Room (if leads to treatment as an Outpatient)
  • Medical Emergency Services
  • Outpatient Physician Visit/Consultation by Specialist
  • Echocardiography, Ultrasound, CAT Scan, PET Scan or MRI, X-Rays
  • Endoscopy (e.g., gastroscopy, colonoscopy, cystoscopy)
  • Laboratory
  • Outpatient or Ambulatory Surgery
  • Outpatient Surgeon & Assistant Surgeon
  • Outpatient Anesthesiologist & any secondary assistants
  • Outpatient Prescription Drugs
  • Prescribed Traditional Chinese Medicine
  • Physical Therapy, Physiotherapy, Chiropractic mTherapy, 
  • Vocational Therapy, Speech Therapy, Occupational Therapy, Electrotherapy
  • Alternative Medicine
  • Homeopathy and Acupuncture treatment for covered 
  • Illness
  • Sleep Studies/Tests and Treatment
  • for suspected conditions of Narcolepsy or Obstructive Sleep
  • Apnea
  • Mental Health Outpatient
  • Psychotherapeutic treatment and psychiatric counseling and treatment;
  • Bulimia, anorexia, Bereavement, non-medical causes of insomnia, ADD, and ADHD are covered conditions
  • Outpatient Rehabilitation treatment for alcohol and drug abuse
  • Hospice Care (outpatient basis)
  • Private Duty Nursing, Skilled Nursing, Visiting Nurse, Home
  • Health Nursing
  • Visiting Nurse