Overseas college students: what well being protection?

Leaving to discover the world is definitely a rich idea, but as long as your departure takes place in the best possible conditions. An accident happens quickly, especially abroad, when you are sure to experience all kinds of adventures. Away from home, it’s even more important to be safe to enjoy your stay… French students, did you know that our social security sometimes protects you even outside our borders?

Study in a European country

As so often, Europe makes the procedures and life of students in international mobility🇧🇷 So, if you choose to study in a State of the European Union/European Economic Area (EU/EEA) or Switzerland, it is enough to obtain, before departure, the European Health Insurance Card (CESD)🇧🇷

once the CESD in your pocket, it will allow you to assert your copyrightHealth plan and be able to have the medical care you may need within the limits of the laws in force in your host country.

O CESD is individual and nominative. It must be requested at least 15 days before departure to your host country, with your health insurance fund🇧🇷

The steps can be performed online at your ameli accountby phone 36 46 or in person by going to your health insurance fund🇧🇷 Your card is issued for a period of two years or for the duration of yourHealth plan🇧🇷

Please note that the medical costs covered by your host country are not necessarily the same as those offered by France. It’s up to you to find out before you leave to avoid tricky situations.

In case of medical care in your host country, you will need to present your card and will be subject to the same procedures as the locals, whether you have to pay a fee or not.

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Studying outside the European Union

In a country that has signed a social security agreement with France

If you choose to leave the European Union, then your social protection will vary depending on your host country. There are conventions signed by France and a number of countries to facilitate student mobility and allow better support to candidates for the international mobility🇧🇷

So if you’re going to do your study in canadamore precisely in Quebec, you can benefit from a registration in the RAMQ, your local health insurance, whether you are registered with a French institution or directly with an institution in Quebec. Please note that their procedures vary depending on the nationality of your school. to enjoy the to cover offered by the treaty between France and Quebec (or any other signatory of a treaty), it will be necessary to withdraw the forms according to your situation and follow the steps scrupulously, but do not panic, everything is explained on the website ameli.fr and you can, in any case, approach your regional health insurance to be guided in more detail.

Bilateral conventions are unique and their terms vary according to the signatory States. It will be advisable to study carefully what concerns you so as not to have any unpleasant surprises.

In a country without a social security agreement with France.

again your to cover varies depending on your personal situation.

🇧🇷 You are under 20 or have been dating for less than 6 months.

If you find yourself in this situation, then your urgent medical expenses can be reimbursed by health insurance fund Of your parents. However, this will only be possible within the limits of the French flat rates in force at the time of your withdrawal and if you meet the following 3 conditions:

  • you must attend an institution that prepares you for a state degree;
  • you must provide a school certificate;
  • you must return to French territory at least once during your university year.

Covered or not, it is essential to always adjust the medical fees that are charged to you and not get into debt. Keep all proof of payment and the corresponding invoices so that you can present them to the health insurance fund your parents to request a refund. You are not guaranteed to be reimbursed for part or all of your costs and to avoid this disappointment it is possible to sign a private insurance🇧🇷

🇧🇷 You are over 20 or are leaving for more than 6 months

O french social security will not cover you during your adventure and you will need to find out what steps to take to be protected by theHealth plan of your host country.

Beware, every country has a social security scheme that is specific to him: his social protection will therefore be different from one country to another and it will be up to you to discover the intricacies of your attachment to this new Health plan🇧🇷

You will not be covered and reimbursed for french social security but you can ask your health insurance fund or by contacting the consulate of your future host country.

O medical fees can become heavy very quickly, it may be interesting to take out private insurance to have more complete health coverage.

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Take out a private insurance contract

It is common knowledge that France has a particularly cheap healthcare system compared to the quality of care provided. Abroad, care of the same ilk can quickly become unaffordable for many people, the best-known example being the United States.

One solution to this cost problem is toprivate insurance which allows, by means of a monthly contribution, to cover the costs incurred in the event of an unforeseen event. There are several packages from different service providers, which allow you to select the offer that best suits your needs and financial capabilities, from support to the first euro spent on medical care until only accidents and hospitalizations are covered.

Depending on your destination, a Health plan complementary covering your medical bills may be required by your host institution as a sine qua non of your arrival.

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