published by helene123
– On Sep 18, 2022 at 2:30 p.m.
This is one of the (many) difficulties of the start of the school year: the choice of your mutual insurance company. The Trendy Student gives you some advice to see things more clearly!
Since 2019, student security no longer exists, students are attached to the general social security system. However, it is possible to subscribe to student mutuals, more accessible than the others, to complete the reimbursements of the Health Insurance. It thus guarantees a better access to care. For example, a visit to your attending physician usually costs you 23 €. Health insurance will cover 70% of this expense. Mutual insurance will supplement this reimbursement. ” The students often consider themselves to be in good health, explains Marianne Bye, health expert in the health department of the Mutualité Française, on the site The Student. Most a mutual insurance company makes it possible to insure against a hazard, a big blow like a hospitalization.«
If the subscription to these supplementary health insurance is not not mandatory, it is therefore strongly recommended especially for dental or optical care. There are national ones, but also regional ones. If the LMDE is the best known among students, other health supplements exist and may also be worth it. Generalist mutuals also offer offers for students… In short, the possibilities are therefore multiple in this area and it is sometimes difficult to navigate… To choose your mutual, you have to think according to your needs. Are you going to have to change your glasses? Do you plan to travel a lot during the year?… It is also important to pay attention to several points: the level of guarantee, the amount of the contribution, any waiting periods and exclusion of guarantee, etc. For the price, it can range from simple to double depending on the coverage you need. The best is still to go through a price comparison site to choose the level of guarantee you need.
Solidarity supplementary health insurance for low-income students
Note that some students, aged 18 to 25 who no longer live with their parents and depending on their level of income, are eligible for the Complementary solidarity health. The latter makes it possible to benefit from more accessible care, without having to pay health costs directly. In this case, health expenses will be paid directly by this student health insurance fund. Find all the information on Complementary solidarity health on the site ameli.fr.