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STUDENT HEALTH, MEDICAL, HOME & CONTENTS INSURANCE IN FRANCE

Protect yourself and your family with insurance

Consider insurance to protect yourself, your family, your home, and your belongings.

France International Student Insurance

Health insurance is mandatory to study in France. All international students studying in France are required to be covered by health insurance, either public or private. Many international students are eligible to take part in France’s universal health care coverage. However, this depends on factors such as age, country of origin, and the length of your degree program. To be eligible for France’s national health insurance plan, you must meet the following requirements:

  • Under the age of 28 by October 1st of the current University year
  • Enrolled on a degree program for four months or longer
  • Have a home country that is outside of the European Union or Switzerland

Healthcare in France

France has a high-quality healthcare system that offers universal coverage for all citizens, regardless of age or economic situation. It consists of an integrated network of public and private services including doctors, hospitals, and specialist providers.

Residents are covered through mandatory health insurance contributions in France, with optional private insurance available for those who want additional coverage. Government-funded agencies cover more than 75% of health expenditures in France.

The Ministry of Social Affairs and Health (Ministere des Solidarites et de la Sante) administrates public healthcare in France, with primary and secondary care services delivered by the various healthcare providers. France offers a high level of preventative healthcare, with available services including addiction prevention, regular medical check-ups, and the promotion of physical activity and healthy eating.

France is ranked 11th on the 2018 Euro Health Consumer Index and has been praised for its efficiency and outcomes. For example, the country has the lowest heart disease mortality in Europe, although it has been criticized for its over-reliance on prescription medication.

EU Residents:

Students with a nationality from EU/EEA countries can request in their home country the European Health Insurance Card (EHIC). Thanks to this card, EU/EEA nationals can benefit from the same cover as the French health fund.

However, the EHIC is not an alternative to travel insurance. It does not cover any travel protection, search and rescue, repatriation to the home country, emergency dental treatments, assistance. Private insurance is highly recommended in France also for EU/EEA nationals during the entire stay in France.

Non-EU Residents:

Third countries students are those whose nationality is non-European Union or non-European Economic Area country. Students aged under 28 years old who study in France for at least four months, can be registered in French social security. Under four months, private health insurance is necessary. Students aged more than 28 years old who study in France for at least four months and more can request (without guarantee) registration in the French social security. If they are not accepted, private health insurance is necessary. Private medical and assistance cover during your stay in France is highly recommended also if you are enrolled in the French social security for this reason:

  1. for obtaining the travel visa to France
    for covering the medical costs until you are enrolled in the social security in France
  2. for taking in charge all assistance benefits necessary during your studies in France like: 
    • Medical benefits (sickness and accident) not covered by the French social security
    • Full medical benefits if the French social security cannot insure you
    • Repatriation to your home country
    • Ambulance by air, sea, and ground
    • Search and rescue
    • Accidental death and disability benefits
    • Third-party liability insurance

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