Overseas college students: what well being protection?

Setting out to discover the world is undoubtedly a rich idea, but provided that 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. Far from home, it is even more important to be well insured 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 greatly facilitates the procedures and life of students in international mobility🇧🇷 So, if you choose to study in a European Union/European Economic Area (EU/EEA) State or Switzerland, all you need to do to be covered is obtain, before departure, the European Health Insurance Card (EHIC)🇧🇷

once the EHIC in your pocket, will allow you to assert your rightsHealth 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 EHIC it is individual and nominative. It must be requested at least 15 days before departure to the host country, with your health insurance box🇧🇷

The steps can be completed online at your account ameliby telephone 36 46 or in person by going to your health insurance box🇧🇷 Your card is issued for a period of two years or for the duration of your subscription rights.Health plan🇧🇷

Please note that medical expenses covered by the host country are not necessarily the same as those offered by France. It is up to you to inform yourself before leaving to avoid delicate 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 locals, whether you have to pay a fee or not.

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Study 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 some countries to facilitate student mobility and allow better support to applicants 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 a Quebec institution. Please note that their procedures vary depending on the nationality of your school. to take advantage of to cover offered by the treaty between France and Quebec (or any other signatory to a treaty), it will be necessary to collect the forms according to your situation and follow the steps scrupulously, but do not panic, everything is explained on the ameli.fr website 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 carefully study the one that concerns you so as not to have 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 refunded by health insurance box 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 diploma;
  • 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 go into debt. Keep all proof of payment and the respective invoices to be able to present them to the health insurance box your parents to apply for a refund. It is not guaranteed that you will be reimbursed for part or all of your costs and, to avoid this disappointment, it is possible for you to sign a private insurance🇧🇷

🇧🇷 You are over the age of 20 or have been leaving for longer than 6 months

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

Be careful, each 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 pros and cons 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 box or by contacting the consulate of your future host country.

O medical fees can get 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 type can quickly become out of reach for many people, the best-known example being the United States.

A solution to this cost problem is toprivate insurance which allows, through a monthly contribution, the coverage of 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 complement covering your medical bills may be required by the host institution as a sine qua non upon your arrival.

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