Health, accident and personal liability insurance coverage is mandatory for all students and must be valid from the moment they arrive in France until their departure at the end of the program. Precise requirements depend on your nationality and age so please read the requirements below carefully.
Non Europeans (under 28) & French Students :
Non European and French Students who are under 28 years of age on 1 September 2017 are entitled to insurance coverage under the French student health insurance scheme (régime étudiant de la sécurité sociale). This coverage is mandatory for French students and foreign students from outside the European Economic Area falling within the above age limit. It is arranged with the cooperation of the University of Strasbourg. ISU students in this category will also be required to subscribe to an additional complementary insurance package to ensure comprehensive coverage of health care expenses in France and coverage for personal liability.
The total cost of the student insurance+ the complementary package for 2016/2017 was 470 €. Subscription to this insurance must be arranged through ISU and students in this category will be required to pay the total cost of the inurance on or before the ISU registration day. In addition to providing health care coverage in France, this insurance package also provides the student with the necessary insurance coverage required for their internship. Additional health and accident insurance coverage may be required for the internship period, depending on the location of the internship.
Note that in accordance with the new regulations for the French academic year this insurance package provides normally coverage from September 1st, 2017 to August 31st, 2018. However, the Univeristy of Strasbourg will not be able to register the ISU students till after mid-September, as you will first have to be registered with ISU. ISU students in this category are therefore also required to purchase the Aon ICS Complete insurance package to cover them from the date of their arrival in France until the 30th of September 2017. The ICS Complete insurance can be subscribed to online at www.aonstudentinsurance.com at a cost of around 40€ per month.
Students from Quebec, Canada will be exempt from subscribing to the Student Health Insurance Scheme provided they are in possession of form SE.401.Q.102.BIS which must be obtained from the Quebec Régie de l’assurance-maladie before coming to France. This form entitles the student to the same level of coverage as the European Health Insurance Card described below.
Students with this form are therefore similarly required to obtain an additional private insurance policy to cover remaining health care expenses, repatriation to the home country in the event of an emergency, and personal liability coverage. Additional health and accident insurance coverage may be required for the internship period, depending on the conditions of their complementary insurance policy and the location of the internship.
French students over the age of 28 who do not qualify for the Student Health Insurance Scheme must provide proof that they are entitled to treatment within the French social security system via another scheme (e.g. CMU, regime salarie, etc.).
Flowchart guide for minimum insurance
European Students :
Students from another country within the European Economic Area (EEA) are exempt from registering with the French student health insurance scheme provided they have obtained a European Health Insurance Card that is valid for the full academic year (see http://ec.europa.eu/social/main.jsp?catId=559).
This Card must be obtained from the government health authority in the student’s home country before coming to France. The card is free of charge and enables the student to register directly with the French health insurance authority in Strasbourg (Caisse Primaire d’Assurance Maladie) and receive treatment within the public health system. This card entitles students to partial reimbursement of health care expenses (generally between 35 and 70 %, depending on the type of treatment). Students in this category are also required to obtain an additional complementary private insurance policy which includes cover for remaining health care expenses, repatriation to the home country in the event of an emergency, and personal liability coverage.
Students who are unable to obtain a suitable complementary insurance in their home country can subscribe to an Aon European complementary insurance through ISU during registration at a cost of around 310€ for the full academic year (the Aon insurance includes personal liability coverage. For the internship period, a small top-up fee may be required before departure depending on the destination.
Students from the EEA who do not hold the European Health Insurance Card and who are under 28 years of age on 1 September 2017, will be required to register with the French Student Health Insurance Scheme described above.
Students from the EEA who do not hold the European Health Insurance Card and who are 28 years or over on 1 September 2017, will be required to purchase the Aon ICS Complete insurance package described below.
Students in this category should be aware that,depending on the conditions of their complementary insurance policy and the location of the internship, additional health and accident insurance coverage may be required for the internship period.
Flowchart guide for minimum insurance
Non European Students 28 and over :
Students who are aged 28 years or over on 1 September 2017 and who do not hold a European Health Insurance Card are required to purchase the Aon ICS Complete insurance package to cover them from the date of their arrival in France through to the end of the academic year.
This insurance can be subscribed to online at www.aonstudentinsurance.com and provides worldwide coverage, including personal liability coverage and the necessary coverage required for the internship.The cost of this insurance is around 40 € per month.