Updated September 28, 2026 · AssureCue Editorial Team
MSH International vs Oney Préstamos ES
MSH International vs Oney Préstamos ES: the differences
| Compare |  MSH International |  Oney Préstamos ES |
|---|---|---|
| Premium from | €13Lower | €1,000 |
| Insurance types | Health | Health, Life, GadgetCovers more |
| Cover limit | EUR 500,000 to EUR 1,600,000 | Up to 45,000 EUR |
| Claims channels | Mobile app, Member area (Espace Assure), Phone | Help centre |
| Age range | 18 to 70 years | Of legal age only |
| Excess from | €750 | Not confirmed |
Same on both: Provider type (Broker), Monthly payments (Yes).
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Key differences
- MSH International scores higher overall: 8.8 vs 8.7.
- Premium from is lower at MSH International: €13 vs €1,000.
- Insurance types: only Oney Préstamos ES offers Life, Gadget.
- Claims channels: only MSH International offers Mobile app, Member area (Espace Assure), Phone.
- Claims channels: only Oney Préstamos ES offers Help centre.
- Support channels: only MSH International offers Email.
- Support channels: only Oney Préstamos ES offers Chat, Help centre, Community.
Our verdict on each
MSH International
MSH International suits expats and seniors in France who want private health cover paid monthly instead of holding an annual policy. Premiums start at €13 a month, cover limits run EUR 500,000 to EUR 1,600,000, and the arrangement sits with a French broker listed with ORIAS.
Oney Préstamos ES
Oney Préstamos ES is a Spanish broker offering health, life and gadget cover, with monthly payments and support by phone, chat, a help centre and a community, which suits readers who want protection in a single place. Its starting premium of €1,000 sits well above cheaper rivals such as Linxea at €25.
Score breakdown
| Area | MSH International | Oney Préstamos ES |
|---|---|---|
| Cost | 8.6Premium from €13 sits below the site median, €8.37, and the excess starts at €750. | 8.6 |
| Offer | 8.6 | 8.9Higher |
| Trust | 9.1Higher | 8.8 |
Which one suits you
Pick MSH International if trust and premium from matter most.
Pick Oney Préstamos ES if offer and insurance types matter most.
Where each is licensed and available
| Country | MSH International | Oney Préstamos ES |
|---|---|---|
| France | ORIAS 07 002 751 | Not confirmed |
| Spain | Not confirmed | Banco de España 8.814 |
Additional countries for MSH International: 1. Additional countries for Oney Préstamos ES: 1.
Also worth a look
KS/AUXILIA has premium from at €5.04, against €13 for MSH International and €1,000 for Oney Préstamos ES.
KS/AUXILIA reviewSources behind this comparison
MSH International
- msh-intl.com: 14 facts, checked September 26, 2026
Oney Préstamos ES
- oney.es: 11 facts, checked September 26, 2026
Every fact side by side
| Fact | MSH International | Oney Préstamos ES |
|---|---|---|
| Audience | Expats, Seniors | Not confirmed |
| Pricing model | Monthly | Monthly |
| Legal entity | MSH International (SAS), RCS Paris 352 807 549 | Oney Servicios Financieros E.F.C., S.A.U |
| Headquarters | France | Spain |
| Founded | 1974 | Not confirmed |
| Support channels | Phone, Email | Phone, Chat, Help centre, Community |
Where each stands against the rest
| Fact | MSH International | Oney Préstamos ES | Median |
|---|---|---|---|
| Premium from | €13above the median | €1,000highest quarter | €6.06 |
| Excess from | €750highest quarter | Not confirmed | €50 |
Median across 117 listed insurance providers.
Pros and cons
MSH International
Pros
- Monthly payments are available on a monthly model, so nothing is due for a full year up front.
- Cover limits of EUR 500,000 to EUR 1,600,000 on the private health plan.
- Claims can be opened through mobile app, member area (Espace Assure) and phone, giving members a self-service route.
Cons
- Health is the only line offered, as health shows, so there is nothing to bundle motor or home with.
- It is a broker, broker, so the insurer standing behind the policy is a separate party members need to check.
- Support runs on phone and email only, with no chat or counter service listed.
Oney Préstamos ES
Pros
- Monthly payments are available, so the premium is spread across the year rather than settled in a single sum.
- Support runs on phone, chat and help centre, so phone and chat sit alongside a help centre and a community.
- The firm is named and supervised: Oney Servicios Financieros E.F.C., S.A.U holds a Banco de España authorisation, 8.814.
Cons
- The starting premium of €1,000 sits well above €25 at Linxea, so price on its own points elsewhere.
- The range is health, life and gadget, narrower than auto, home and renters at Good Sam Insurance Agency.
- Claims run through help centre only, so a claim is handled in the help centre rather than on a claims line.
Who each suits
MSH International
Who it suits
- Expats in France who want private health cover arranged on their behalf by a broker.
- Seniors inside the 18 to 70 years eligibility window, a named part of the expats and seniors audience.
- Members who would rather file claims themselves through mobile app, member area (Espace Assure) and phone.
Who should look elsewhere
- Members who want motor, home or travel in the same place: Good Sam Insurance Agency lists auto, home and renters across many lines.
- Readers after a Swiss provider rather than a French one, where bonus.ch lists CHF 0.
- Anyone whose real question is borrowing rather than health cover: Oney Préstamos ES starts at €1,000.
Oney Préstamos ES
Who it suits
- People in Spain who meet the age rule, Of legal age only, and want a health or life policy billed monthly.
- Readers who value a real support desk, given phone, chat and help centre covers phone and chat as well as the help centre.
- Holders of an exposure that fits inside Up to 45,000 EUR and who can live with the health, life and gadget range.
Who should look elsewhere
- Shoppers on a tight budget: Linxea starts at €25 and bonus.ch lists CHF 0 at the other end.
- Readers wanting a wide set of policies gathered in one place: Good Sam Insurance Agency lists auto, home and renters against Oney's health, life and gadget.
- Anyone insuring something large: cover stops at Up to 45,000 EUR.
Current offers
Oney Préstamos ES
Current offer
Bonus
Ahorrar es fácil - reimbursement on Alcampo card purchases: Up to 100 EUR per year
Plan "Ahorrar es fácil", only for purchases paid with the Oney Alcampo card in Alcampo centres
Source, checked September 26, 2026
Country by country
| Country | MSH International | Oney Préstamos ES |
|---|---|---|
| France | Yes | No |
| Spain | No | Yes |
Questions about each
MSH International
What does MSH International actually cover?+
Cover is health only, listed under health. The provider is a broker, broker, so the policy is placed with an insurer on the member's behalf. Members who want motor, home or travel in the same bundle will not find them here.
How much will a policy cost?+
Premium starts at €13, below the site median, €8.37. That figure is an entry point rather than a typical renewal price, and what a member actually pays depends on the cover limit chosen and the excess applied. On this measure the brand sits at 156 out of 252 brands ranked on starting premium.
Oney Préstamos ES
How much does cover start at?+
Cover starts at a premium of €1,000, and monthly payments are available, so the charge is spread rather than settled upfront. Linxea lists €25 as its starting point and bonus.ch lists CHF 0, so Oney sits well above the cheaper end of the market on the entry figure.
Is Oney Préstamos ES regulated?+
The operation sits with Oney Servicios Financieros E.F.C., S.A.U, a broker registered in Spain, and it is authorised by Banco de España under 8.814. The authorisation means the firm answers to a named supervisor in Spain, although it arranges policies rather than writing the risk itself, since it is a broker.