HOW DO I COVER MY HEALTH EXPENSES WITH THE CPAM?
WHO IS ELIGIBLE FOR THE FRENCH SOCIAL SECURITY SYSTEM?
· You are a non-European student
HOW TO APPLY TO A COMPLEMENTARY HEALTH INSURANCE?
MAKING AN APPOINTMENT AT THE DOCTOR
EVERYTHING YOU NEED TO KNOW ABOUT THE ASSURANCE MALADIE
HOW DO I COVER MY HEALTH EXPENSES WITH THE CPAM?
When you visit the doctor, the healthcare system will typically cover 70% of the fees and 80% of hospital costs. If you have a major illness, 100% of the expenses are covered. This is because France operates on the principle of solidarity: the most ill will usually pay the least, preventing them from becoming financially disadvantaged. The remainder is covered by either the individual or by supplementary private health insurance. There is a small fee that is paid for by the patient: 1€, for example, per doctor visit.
You will need to register to French Social Security to benefit from this system as an international student. If you’re an European Student, you have to register if you don’t have a European Health insurance card. If you have an EHIC card, your Health expenses will be reimbursed in the same conditions as if you were in your country.
You may think that registering to French Social Security will not be an easy path to follow… Therefore, we have prepared a guide which will detail all the steps you will need to follow!
⭐ Find the CPAM process attached at the end of the article. ⭐
⭐ More information about the needed documents on Livin France ⭐
After you got your temporary number, you will get 30% reimbursement. To obtain a 70 % reimbursement, you must declare your main doctor : your "médecin traitant" (the one you will see each time for general needs). If you decide the doctor suits you during first appointment, you can request that he/she declare himself/herself as your main doctor to CPAM (declaration once account AMELI is created).
WHO IS ELIGIBLE FOR THE FRENCH SOCIAL SECURITY SYSTEM?
All foreign students are eligible for French social security under certain conditions.
Registration is free and may be mandatory in some cases, it will allow you to benefit from the reimbursement of your health expenses!
· You are a non-European student
You are eligible, and it's even mandatory to register for French social security!
· You are a European student
If you have the European Health Insurance Card (EHIC), then you do not need to register with the French health insurance system. In fact, the health organization in your country will take care of your medical expenses.
If you do not have your EHIC, then you will have to register with the French social security system. You are eligible, and it's even mandatory to register!
To know the procedure to follow, I invite you to consult this article: I forgot my EHIC
If you want additional and more important coverage for the reimbursement of your care, we strongly advise you to subscribe to a complementary health insurance!
Source: Livin France
HOW TO APPLY TO CPAM?
HOW TO APPLY TO A COMPLEMENTARY HEALTH INSURANCE?
In France, Social Security covers a part of your health expenses. A complementary insurance will cover what the French or European health insurance doesn’t. It is not mandatory, but make sure to take out one to get up to 100 % of your medical fees refunded during your stay in France. More information here.
Here are some complementary health insurance companies: MGEN, LMDE, SMERRA, SMENO...
With SMENO, Rennes SB students can have 10% of discount !😉
CODE : RSB
MAKING AN APPOINTMENT AT THE DOCTOR
We highly recommend using the Doctolib : Prenez rendez-vous en ligne chez un praticien to make a doctor’s appointment as it allows you to select the type of doctor or specialist you require and schedule your appointment directly.
This platform is only available in French, but you can select the language spoken by the doctor (only on the website, function not available on the application).
In the search bar, type "médecin généraliste" and select your city. You can then filter by language spoken (“langues parlées”) to make sure you can easily express your needs to the practitioner during the consultation. Once you have chosen the doctor you need, click on "prendre un rendez-vous". Select the appointment slot that suits you. You must then create your account on the site or log in if you already have one. Your appointment is booked! You will receive a confirmation email and a reminder before the appointment, so that you do not forget.
And in case of emergency?
In case of emergency or if you can't find a doctor free during the week or even at the weekend, you can contact SoS Médecins (see contact details at the bottom of the page) for a day-to-day appointment. You need to call them very early in the morning (7am) or around 7pm to get an evening appointment the same day.
Useful contact information:
- 3624 for SOS médecin (12c/minute), for doctors who make house calls, 365 days/year, 24/7
- 112 is the number to call for emergency services throughout the European Union.
- 15 is for the SAMU (ambulance/paramedics service)
- 18 is for the nearest fire station, which also administers first aid
Please be sure to check our article about the emergency contacts.
If you have any questions, Morgane, your Welcome Officer, is at your disposal via accommodation@rennes-sb.com.
💻 CHECK OUR OTHER ARTICLES ABOUT ADMISTRATIVE PROCEDURES 💻
How to validate my VLS TS visa through OFII?
How to open a French bank account?
How to get a French phone number?
How to renew my resident permit?
Comments
0 comments
Article is closed for comments.