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SPECIAL PACKAGE FOR INTERNATIONAL
STUDENTS STUDYING AT A HIGHER
EDUCATION INSTITUTION
WELCOME TO FRANCE!
2015/2016
As an overseas student coming to study in France, you will have to complete health insurance formalities when you arrive. This is required for
your healthcare expenses to be refunded if you become ill.
In France, the Social Security system is the body responsible for reimbursing part of your healthcare costs.
Students have their own dedicated Social Security scheme, managed by student payment centres such as the LMDE. Except in certain
specific cases, students coming to study in France must register with this scheme.
The French Social Security refund rate depends on the type of healthcare provided. The proportion of healthcare expenses not covered by Social
Security may be reimbursed by taking out a top up health insurance policy.
Here you will find all the information you need to understand your health insurance protection in France.
1.
What is my Student Social Security status?
W
In order to be eligible for Student ”Sécu” cover, there are two basic requirements: you must be registered in a higher education establishment recognised by the student scheme (most are recognised but it is wise to make sure in the case of certain schools and institutions) and you
must be legally resident in France. Your status is then determined by your age and home country, in line with healthcare agreements between
your country and France.
The reference period is the academic year which, for the 2015/2016 period, runs from 01/10/2015 to 30/09/2016 (according to the applicable law).
IF YOU ARE < 28 YRS OLD ON OCTOBER 1ST AND ARE NOT
FROM A COUNTRY IN THE EUROPEAN ECONOMIC AREA(1)
You must register with the Student Social Security scheme.
You are eligible for Social Security, but you may have to take out a subscription (contribution cost for
2014/2015 = €213/year). In some cases it may be free of charge (grant or scholarship in France, etc.).
IF YOU ARE < 28 YRS OLD ON OCTOBER 1ST AND ARE
FROM A COUNTRY IN THE EUROPEAN ECONOMIC
AREA(1)
If you have a European Health Insurance Card (issued in your country of origin and covering the full academic
year), you are not obliged to register with the French Student Social Security Scheme.
IF YOU ARE > 28 YRS OLD ON OCTOBER 1ST REGARDLESS OF YOUR HOME COUNTRY
Unless you qualify for an exemption, you are not eligible for Student Social Security cover because of your age. Depending on your personal circumstances, either CPAM or CGSS(2) will process your
application.
IF YOU ARE A CITIZEN OF QUEBEC AND HAVE A CERTIFICATE
ISSUED UNDER THE FRANCE-QUEBEC AGREEMENT
You are not obliged to register with the French Student Social Security scheme because of reciprocal
agreements between French Social Security and the RAMQ (Quebec Health Insurance Plan).
IF YOU ARE COMING TO FRANCE FOR A STUDY
PERIOD OF LESS THAN 3 MONTHS
You are not eligible for Student Social Security cover in France for a short stay.
If you have to register with Student Social Security, you will only be covered from October 1st.
If you wish to be covered for your healthcare expenses before October 1st 2015,
consider taking out an LMDE International Student Insurance Policy.
(1) European Economic Area: European Union countries together with Iceland, Liechtenstein and Norway. Switzerland also applies European rules on social security.
(2) CPAM: Caisse Primaire d’Assurance Maladie (Primary Health Insurance Fund) / CGSS: Caisse Générale de Sécurité sociale (General Social Security Fund).
www.lmde.com
2.
What steps do I have to take?
! If you need to register with the Student Social Security scheme and would like LMDE to be your
p y
payment
centre
• When you register for your higher education course, you have to join the Student
”S
”Sécu”
scheme.
If registration at your institution is done online, you simply need to tick “LMDE – Centre 601” or
“L
“La Mutuelle des Etudiants.”
If yyour institution uses a hard copy registration process, depending on the application form you
rece
re
ce you simply need to tick or write the words LMDE or La Mutuelle des Etudiants.
receive,
Choosing your
Student Social
Security centre
If you have to subscribe to the Student Social Security scheme, the subscription must be
paid at the same time as your registration fees and will then be paid to URSSAF by your institution.
In 2014-2015, the cost of subscription to the Student Social Security scheme was €213.
Your higher education institution will then send your data to LMDE to register and activate your LMDE
Social Security benefits as of October 1st, 2015, according to the applicable law.
• Once this is done, you can obtain a certificate confirming your registration with the LMDE Student Social Security scheme. This certificate proves
that you are registered with a Social Security scheme in France and that your healthcare expenses will be met.
• In order to have a permanent Social security number assigned to you, you must provide proof to the LMDE student social security management
centre (copies of your long-stay visa, passport and birth certificate). This process is called registration.
• Once you have your Social Security number, you can use the ”Carte Vitale” (French health insurance card) to claim your healthcare
expenses. The ”Carte Vitale” includes your surname and first name, social security number and photo. You must present
it for any health-related procedure (consultations with your doctor, buying medication, admission to hospital, etc.).
For further information on Student Social Security and the healthcare system in France:
- download our ”Healthcare insurance cover in France” guide, available in French and English in the International
Students section at www.lmde.com
- come and meet our LMDE advisers who will be available at your place of study during registration or visit one of
our LMDE branches. (Contact details available at www.lmde.com)
!
If you are not affiliated to the Student Social Security scheme
If you have a European health insurance card (EHIC) covering the academic year or are a citizen of Quebec covered by the
Franco-Quebec agreement, you should go to the CPAM or CGSS branch nearest to your home address and take with you your EHIC or relevant
certificates.
If you are ill, your healthcare expenses will be covered based on the French Social security refund rate.
If you are over 28 years old and are intending to study in France for more than 3 months, you should go to the CPAM or CGSS branch
nearest to your home address to register for the general Social Security scheme. The CPAM or CGSS will handle the registration process and
provide you with a ”Carte Vitale.”
If you are ill, your healthcare expenses will be covered based on the French Social Security liability rate.
Please note! Even if you are not affiliated to the Student Social Security scheme, you may take out an LMDE top up
health insurance policy to increase your refunds and provide optimal cover for your healthcare expenses.
!
If you are not eligible for Social Security in France
Even if you are not covered by the French Social Security scheme, you can still enjoy the benefits of comprehensive health insurance thanks to
LMDE International Student Cover.
(For a breakdown of benefits, terms and conditions of implementation, exclusions and subscription fee, please refer to the LMDE mutual insurance rules
available at www.lmde.com or on request)
3.
How can I increase my refunds?
To provide optimal cover for your healthcare and day-to-day expenses while you are a student, the LMDE has developed a number
of solutions tailored to your personal circumstances.
=
LMDE Social Security
or CPAM/CGSS*
+
LMDE top up cover
+ Student Insurance
=
No Social Security
+
LMDE International Student Cover
+ Student Insurance
Optimum coverage of
R
your healthcare expenses OR
* CPAM: Caisse Primaire d’Assurance Maladie (Primary Hea
Health Insurance Fund) / CGSS: Caisse Générale de Sécurité sociale
sociale (General Social Security Fund)
!
LMDE top up health insurance policies
To keep your healthcare expenses to a minimum, it is essential to supplement your Social Security refunds by taking out a top up mutual health
insurance policy. Top up health insurance covers all or part of the difference between the doctor’s fee and the French Social Security refund.
To ensure optimal cover for all the healthcare services you may need, subscribe to one of our LMDE top up insurance policies.
Your refund rate will vary depending on the level of cover selected and the subscription fee paid.
!
LMDE top up health insurance policies for the 2015/2016 academic year
DE CŒ
DES
UR
HEREN
AD
COU
P
TS
€6.50/month (2)
€10.75/month (2)
€19.50/month(2)
€32.50/month(2)
€53.75/month(2)
€78/year
€129/year
€234/year
€390/year
€645/year
You need cover for
unexpected and
urgent healthcare
You need cover for
your regular
healthcare expenses
"!!Hospital in-patient
treatment, attending
physician, etc.
"!!Attending physician and
correspondent doctor,
pharmacy, etc.
You need 100 %(1)
cover for your expenses,
even for more specific
care, and you would like
to be refunded for your
healthcare abroad
(training courses and
studies)
You need cover for
your medical, optical
and dental expenses
You need optimal
cover for your medical expenses
"!!Orthodontics,
glasses / contact lenses
package etc.
"!!Private room and
additional comfort for
hospital in-patient
treatment, enhanced
glasses / contact lenses
package etc.
"!!Direct access doctor,
paramedical care,
24/7 repatriation assistance
etc.
Third-party insurance
INCLUDED
Solidarity benefits
INCLUDED
Preventive care packages
INCLUDED
LMDE/IMA healthcare support services
INCLUDED
Healthcare cover abroad
INCLUDED
High-cost care packages
INCLUDED
Tourist trips abroad
INCLUDED
For a breakdown of benefits, terms and conditions of implementation and exclusions, please refer to the LMDE mutual insurance rules available at www.lmde.com or on request.
(1) Refunds are calculated based on the French Social Security liability rates. Refund rates include the Social Security refund.
(2) Monthly cost of a 12-month policy provided for information purposes only. Rates applicable as of 15/04/2015 for the 2015 - 2016 academic year. For terms and conditions of payment,
please refer to the subscription form. Visit our website at www.lmde.com or one of our branches to learn more about all LMDE policies.
! What is LMDE International Student Cover?
If you are an overseas intern or student coming to study at a higher education institution in France but you are
not entitled to student Social Security cover because:
- you are staying in France for less than 3 months,
- you are arriving in France before October 1st of the academic year,
- or you are over 28 years old, for example: a research student…
LMDE has designed its International Student Cover especially for you, so that you can be refunded
for your healthcare costs in France:
- your day-to-day healthcare cost refunded up to 100% of the Social Security
reimbursement rate in France,
- the possibility of receiving hospital care with treatment costs paid directly to the
hospital by the insurer within healthcare institutions registered with the LMDE and
after prior written agreement from the LMDE,
- preventive care packages / solidarity benefits...
- effective the day after subscription
€52/month(1)
€264/12 months
(1) Monthly rate for the 2015/2016 academic year.
For a breakdown of International Student Cover benefits, start date terms and conditions, exclusions and subscription fee, please refer to the LMDE mutual insurance rules available at www.
lmde.com or on request.
LMDE is on hand to support you
!
In France, more than half of all students choose LMDE to manage their Student Social Security, i.e. over 920,000 students
(as of 30/06/2014).
The LMDE has around 300,000 subscribers (as of 30/06/2014).
We have branches throughout France (mainland and overseas departments) along with mobile units within higher education
establishments, so that we can offer you advice directly at your place of study.
Important for your healthcare cover in France! ! To contact LMDE …
If you need to subscribe to the Student Social Security scheme, you must pay the subscription fee (except
in certain specific cases). It will also be recommended that you subscribe to a top up health insurance
according to your needs. See below for clarifications.
You are in France for the 2015/2016 academic year.
You pay the Student Social Security contribution, i.e. €213*
(for the 2014/2015 academic year)
You subscribe to the LMDE “Tous Soins” top up
health insurance + Student Insurance
for total social security cover,
i.e. €234 + €17 = €251.
"
€213
+
"
LMDE
Centre
601
Retrouvez toutes les informations utiles pour vot
protection sociale en France sur l’Espace Etudiant
www.lmde.com
Etranger
LMDE accessible sur www.lmde.c
€251
=
You benefit from optimal cover for your healthcare expenses
and daily protection for only €464* for the full academic year.
"
€464
For all useful information concerning your social security
in France, visit the LMDE International Student Section at
* 2014/2015 rates given for information purposes only and subject to
change for the 2015/2016 academic year
www.lmde.com
So there is no need to take out an additional insurance policy before leaving!
Locate your nearest LMDE branch by going to: www.lmde.com
www.lmde.com
La Mutuelle des Étudiants - LMDE: a mutual insurance company subject to the provisions of the French Mutual Insurance Code. SIREN No. 431 791 672. Head office: LMDE - CS50052 - 94203 Ivry-sur-Seine. This document is strictly non-contractual - Studio LMDE - 03/2015 – EN – 15110.