I have had medical insurance with MSH through my work for the last 3 years, and cannot speak highly enough about them. I had an emergency life threatening condition, and they were fantastic, they visited me in hospital daily (I was in for 4 weeks), took care of all bills and made sure that I went to the best local hospital. I have only ever dealt with them through direct billing so cannot comment on anything else, but through direct billing they are great. The dental coverage is not good, but I haven’t seen many plans that cover dental comprehensively. I have some experience with medical insurance providers and MSH are one of the best Premium medical plan providers in China.