In France, we have an efficient and often painless health system thanks to social security. According to a 2014 survey of the National Observatory of Student Life, only 13% of French students have already renounced care for financial reasons. Thanks to the coverage of the health expenses, to be treated is rarely a problem in France. However, as soon as you go abroad, health is one of the priorities during your departure preparation!
Insurance when you study abroad is the guarantee that in case of major health problems, accidents, falls, serious illness, you do not risk anything for your health or that of your wallet. In case of a serious problem, the costs of hospitalization or repatriation can quickly reach considerable sums.
But what are your current covers? Are they sufficient when you go to study abroad? We will explain in detail how your health coverage works when you go abroad.
1 – My social security and my student mutual
When you are abroad: your social security and mutual student covers you against sudden and unpredictable diseases up to the rate agreed French. In practice, this means that if you consult a doctor in the United States and you have a $ 150 price, usually for a consultation, your student social security will only reimburse you $ 20, which will leave about $ 130 at your expense.
So we arrive fairly quickly to the limits of social security insofar as your coverage is up to the French tariff, even if the costs are higher. Added to this is the fact that once there, you will need to advance the fees for a consultation or even hospitalization, and then apply for reimbursement thereafter.
2 – Insurance linked to your credit card in France
As a general rule, your Visa or Mastercard credit card covers your medical expenses and repatriation for stays abroad less than 90 days in addition to your social security and mutual insurance.
However, these insurances are not provided for long-term stays , and generally only cover trips shorter than 90 days. Depending on your credit card, there is also a good chance that the ceilings proposed by your cover are not high, not exceeding € 11,000 in 2016 for Visa Classic insurance , or even MasterCard insurance. Finally, care is systematically in addition to social security, so it must pay you back beforehand.
3 – The CEAM or the European Health Insurance Card.
This is the equivalent of your French vital card but in European version. It allows you to cover part of your medical expenses in hospitals in the 28 member countries of the European Union. If you are traveling, studying or au pair in one of the 28 countries of the European Union do not forget to apply before you leave, it will be more than useful!
Once abroad, simply present the card during your consultation to be refunded later. However, the coverage of the CEAM is also limited , and only supports the care of their equivalent in France.
4 – Supplementary Health Insurance for Students Abroad
In order to obtain coverage of your care outside Europe, or to supplement it during stays in Europe, we advise you to take out additional health insurance . These insurances generally offer an affordable cost of advanced coverage of your health expenses abroad, and allow you to leave with peace of mind.
We recommend that you hire specialists dedicated to this type of stay, to obtain offers specially designed for particular situations. We work together with Chapka Assurancesto offer insurance adapted to young people going abroad.
5 – Insurance for students abroad Chapka Insurance
Let’s study abroad has set up a partnership with Chapka Assurances to put forward additional insurance offers tailored to students going abroad regardless of the type of stay. Each formula corresponds to a particular project, and adapts to the requirements of it. We thus find the following formulas:
Insurance “Cap Student”: A formula fully adapted to students leaving to study abroad whether in Europe or in the rest of the world!
“Cap Working Holiday” insurance: A formula dedicated to young people wishing to leave as part of a PVT abroad, to one of the 10 destinations of the program.
“Cap au Pair” insurance: For future young au pairs, the formula covers health and civil liability, two mandatory points for stays au pair!
Insurance “Cap Volontariat”: You decided to volunteer and go discover the world by participating in development projects? This formula covers all risks that you may encounter.
You can also find comparisons of insurance solutions for study abroad as well as forstays in Working Holiday Visa.