Introduction
Studying in France is an exciting opportunity for students from around the world. Whether you are studying for a degree, attending an exchange program, or learning the language, healthcare is an important aspect to consider. France has a well-developed healthcare system, and all students, including international ones, need health insurance during their stay. This guide will explain everything about student health insurance in France, including how it works, who needs it, coverage details, costs, and how to choose the best plan.
What is Student Health Insurance?
Student health insurance provides medical coverage for students studying in France. It ensures that students can access medical care, including doctor visits, hospital treatments, and medications, at an affordable cost. There are different types of health insurance depending on the student’s nationality, age, and study program.
Who Needs Student Health Insurance in France?
- French Students – Automatically covered under the national health system.
- EU/EEA/Swiss Students – Can use their European Health Insurance Card (EHIC) for coverage.
- Non-EU/EEA Students – Must register for French health insurance or buy private coverage.
- Exchange Students – Coverage depends on agreements between universities and countries.
- PhD Students – If working with a salary, they are covered under the French social security system.
How Does Student Health Insurance Work in France?
- Public Health Insurance (Sécurité Sociale Étudiante): This system is for students who qualify for the French social security system. It covers a significant part of medical expenses.
- Private Health Insurance (Mutuelle or International Insurance): Students may need additional coverage to pay for the remaining medical costs not covered by public insurance.
- University Agreements: Some universities have health insurance partnerships for international students.
What Does Student Health Insurance Cover?
- Doctor Consultations – Visits to general practitioners and specialists.
- Hospitalization – Treatment in public and private hospitals.
- Medications – Prescription drugs at reduced costs.
- Emergency Care – Urgent medical treatment in case of accidents or serious illness.
- Mental Health Support – Psychological consultations.
- Preventive Care – Vaccinations, medical check-ups, and screenings.
What is Not Covered?
- Cosmetic treatments.
- Alternative medicine (unless specified in private plans).
- Dental and vision care (requires additional coverage).
- Private hospital fees (only partially reimbursed).
How to Get Student Health Insurance in France?
- Register with the French Health System – Non-EU students must apply on the official health insurance website (etudiant-etranger.ameli.fr).
- Obtain a Social Security Number – This allows access to reimbursements and healthcare services.
- Choose a Doctor – Students must select a general practitioner to coordinate their healthcare.
- Apply for a Health Card (Carte Vitale) – Used for quick reimbursements at pharmacies and clinics.
- Consider Additional Private Insurance – To cover the remaining medical expenses.
How Much Does Student Health Insurance Cost?
- Public Health Insurance: Free for students under 28 years old (except for visa fees).
- Private Health Insurance (Mutuelle): Between €10-€50 per month, depending on coverage.
- International Student Insurance: Costs vary based on the provider and plan.
Best Student Health Insurance Providers in France
- LMDE (La Mutuelle des Étudiants) – Offers comprehensive coverage for students.
- SMERRA – Provides affordable health plans for students.
- April International – Good for international students looking for extra coverage.
- Allianz Care – Provides global student health insurance plans.
- AXA – Offers health insurance tailored for international students.
How to Claim Medical Expenses?
- Visit a Doctor or Hospital – Get treatment and keep the medical receipts.
- Use the Carte Vitale – The system automatically reimburses costs.
- Submit a Reimbursement Request – If the Carte Vitale is not used, send the medical receipt to the insurer.
- Receive Payment – Reimbursement is usually processed within a few weeks.
How to Reduce Student Health Insurance Costs?
- Use public health services instead of private clinics.
- Choose generic medications instead of branded ones.
- Apply for university health discounts.
- Compare different private insurance providers for the best price.
Conclusion
Student health insurance in France is essential for accessing medical care while studying. EU students can use their EHIC card, while non-EU students must register for French health insurance. Choosing additional private insurance ensures full coverage for medical expenses. By understanding the system and selecting the best plan, students can focus on their studies without worrying about healthcare costs.