Budgeting Student Life

Student Health Insurance: All You Need To Know


In addition to Social Security, mutual insurance companies reimburse a large portion of health care expenses. And carry out, among other things, preventive actions. Is it compulsory to subscribe to them? How to choose? Our explanations and advice to help you see clearly.

Most insurance companies offer packages at attractive rates. However, keep in mind that a cheap mutual health insurance company may not cover all health care costs. It is therefore very important to identify your needs before you start looking for a student health insurance company. 

Before 2018, the contribution was unique and the level of reimbursement was the same for everyone. Any student enrolled in an institution of higher education was required to join the compulsory Social Security system. This unavoidable affiliation was done via the registration file of the mutual insurance company.

In addition, the amount of the contribution was the same for all students.  Note also that students under 20 years of age, scholarship holders, who worked more than 60 hours per month or 120 hours per term or whose parents held special positions (diplomats, self-employed, etc.) could be exempted from paying the contribution.

Finally, reimbursement rates for health care were the same for all students, regardless of the mutual insurance company chosen. This was indeed the case before, we can always keep it up to you to see

Choosing your health insurance

A mutual insurance chooses itself individually, according to its health situation (dental, optical problems…). Student mutual insurance companies offer several types of contracts, which have been built to fit the student’s budget and specific expectations. These targeted offers include, for example, a fixed price for vaccinations and reminders, hepatitis B screening, contraceptive pills, smoking cessation or even a cab service for safe return trips to school. These benefits are, of course, in addition to the advantages of a “classic” health insurance plan, such as an optical package or a consultation with a general practitioner.

Student mutual insurance companies also offer advantages through their various partnerships. It’s up to you to judge the best quality/price ratio according to your requirements and needs. In any case, however, it is strongly recommended that you take complementary health insurance.

Which health insurance for a student going on Erasmus?

A student following an Erasmus program always depends on his university, institution, and school.It is in fact attached to the Student Social Security.  However, he will have to replace his “vital card” by the European Health Insurance Card. You should also remember to apply for it at least 15 days before departure.  Depending on the country, the cost of health care can vary and, most of the time, there is still a balance to pay. Reimbursements can sometimes be delayed and advance payment is common. This card also does not cover repatriation or civil liability costs, as well as certain very expensive guarantees.

The European Health Insurance Card (EHIC) works in the following countries: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovak Republic, Slovenia, Spain, Sweden, Switzerland, United Kingdom.

Is it necessary to subscribe to a health insurance company?

No. However, Social Security only covers about 70% of the expenses (even less if the fees are exceeded). The mutual insurance company completes the reimbursement. Students often consider themselves to be in good health. But a health insurance company makes it possible to be insured against a hazard, a big blow like a hospitalization. Because in this case, the amount not reimbursed by Social Security increases quickly. A simple appendicitis, for example, will put a heavy strain on the budget.

Having a health insurance is also a way to take care of one’s health. We observe that students tend to put these issues aside. It’s a mistake: we have to worry about it from the beginning.

The rules of well-being

Whatever the reasons for your stress, you need to react quickly and adopt tips on a daily basis to live more serenely and regain control of yourself. The keys lie in things that are ultimately quite simple and obvious:

  • know how to organize yourself: for example by making a list of all the important things to do in a diary, in order of importance and cross out the tasks as you go along.
  • know how to relax by setting aside some time to do what you really like: reading a good book, watching a good show or listening to music, letting yourself go to the cocooning, going shopping…
  • Adopt a healthy lifestyle: a balanced diet, do sports, walk for at least half an hour a day and get a good night’s sleep.

About the author

Latoya Adams

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