Getting Student Insurance

Ready for an exciting school year in France? Before you pack your bags and start practicing how to say “Where is the library?” in French, you have to take out insurance.
Insurance will help protect you against the costs of emergencies or lllnesses while you are studying abroad. For example, you will have to consider whether or not you are covered for medical fees, hospitalization, and other health care costs. With the right policies, you should have 100% protection in case of any emergencies and illnesses, including dental care.
You can also look into the student social security plan. What benefits do you automatically receive upon enrollment in a college or university in France? Of course, some schools will have strict eligibility requirements, and will not provide this service to foreign students. IN this case, you can explore the possibility of approaching a private insurance provider or applying for what is called the
Caisse primaire d’assurance maladie (DGR). This type of insurance coverage is given to anyone who does not fall under the compulsory social security plan. For example, anyone who holds a residency card that is valid for more than 3 months can apply for DGR.
Benefits are available the very first day of the month after the date of enrollment. The amount of coverage you get, and the premiums you will pay, depend on various factors. For example, what is your family’s annual income? What college or university are you going to attend? How old are you, and what is your marital status?
For example, if you are under 25, you will pay about 1,050 francs each year. If you have a scholarship from a foreign university, you will pay about 1,590 each quarter. If you are over 25 and do not hold a scholarship, then you must pay at least 3,181 francs.
Benefits include medical transportation, home and emergency help, and the cost of a round trip ticket for a family member who will visit you in case you are required to be in a hospital for 1 to 10 days. However, not all hospitalization costs may be covered. It’s important to read the contract for the list.
