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International Student Health Insurance

International Student Health Insurance

from 66,60 € /mois


  • Coverage of medical expenses

  • Repatriation assistance

  • Personal liability

  • Legal assistance

  • Contract from date to date

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International Student Health Insurance – Get covered before you arrive in France

Coming to study in France? Don’t take any risks. Protect your health with International Student Health Insurance designed specifically for international students.

As a foreign resident, you need reliable coverage for your medical expenses while living in France. Whether it’s a routine consultation, prescribed medication, or an emergency, being insured means you can access care without worry.

Our insurance plans are tailored for international students staying in France for at least one month. The subscription process is simple, entirely online, and our offers adapt to your situation and budget.

Choose peace of mind from day one. Avoid unexpected healthcare costs. Focus fully on your studies.

Get your International Student Health Insurance today and start your stay in France with confidence.
Standard Plan
plan starting at 66,60 € /mois
From 1 to 12 months (renewable)
Individual contract with fixed duration
Valid in France and the European Union (for temporary travel)
24/7 assistance service
Enhanced coverage
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Plus Plan
plan starting at 97,83 € /mois
From 1 to 12 months (renewable)
Individual contract with fixed duration
Valid in France and the European Union (for temporary travel)
24/7 assistance service
Enhanced coverage
Get insured
Our guarantees
HEALTH & ACCIDENT
Standard plan
Plus plan
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DEATH BENEFIT
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REPATRIATION ASSISTANCE
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LEGAL LIABILITY
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Learn everything about the health insurance for international students

health insurance contract for foreigners

Conditions of Contract Activation

The health insurance policy is intended for international students residing in mainland France.

The guarantees of the "France Long Stay Cover" policy are valid within mainland France, the European Union, as well as in Iceland, Liechtenstein, Norway, Switzerland, Andorra, Monaco, San Marino, and the Vatican (except for the country of origin of EU nationals and the countries listed for stays longer than 4 weeks).

The health insurance policy takes effect on the dates specified in your contract, subject to payment of the premium. Upon expiration, the policy will only be renewed upon the insured’s request and approval by the insurance companies. The contract is concluded for a fixed term, with no automatic renewal, and cannot be canceled or refunded during the coverage period.

Regarding medical expense coverage:

  • An 8-day waiting period applies to the various guarantees starting from the policy’s effective date.

  • There is no waiting period for medical expenses, including hospitalizations, resulting from an accident.

  • Any illness discovered during the waiting period will not be covered.

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Important exclusions regarding health coverage:

  • Expenses related to contraception, voluntary termination of pregnancy (abortion), pregnancy, and complications arising from pregnancy (miscarriage, childbirth and post-delivery care, including consultations, tests, ultrasounds) will not be reimbursed during the first year.

  • In the case of maternity, the coverage will only apply if conception occurred after 12 months of uninterrupted contract coverage.


Contract renewal:

In the case of contract renewal, if re-enrollment occurs within 8 days after the expiration of the previous contract, the waiting periods will be waived. However, if additional coverage options are added, these waiting periods will only apply to the additional coverage.
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How to get reimbursed?

To get reimbursed for your medical expenses with our health insurance for foreigners in mainland France, simply follow these steps:

 

  • Download and complete the reimbursement request form:
    This duly completed document is essential for the fast processing of your claim. Please fill it out carefully and provide all the required information.

  • Gather the necessary supporting documents: Original and paid medical bills and care statements related to the services received. Medical reports (especially for hospitalizations or specialized treatments). Any other supporting documents indicated on the form, such as medical prescriptions or doctor's orders. A copy of your passport (identification page and arrival stamp) in compliance with anti-fraud and anti-terrorism regulations.

  • Send your complete file by postal mail to the following address: ACS – Medical Service, for the attention of the medical advisor, 153 rue de l’Université, 75007 Paris, France


Tips: Submitting a complete file will help us process your claim more quickly and reduce delays. We recommend scanning and/or photocopying all documents you send for your records.

 

For more information:

Insurance providers: MGEN and MATMUT.

Documents : IPID / General terms and conditions

Questions? We’ve got you covered!

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Frequently Asked Questions: International Student Health Insurance

    Is the international student health insurance offered by ADH recognized by French universities and schools?
    Yes, our international student health insurance is recognized by all French universities and higher education schools. Upon online subscription, you instantly receive your official certificate by email. This mandatory document proves you have comprehensive medical coverage and civil liability, allowing you to seamlessly validate your university enrollment and start your studies in France.

    Does the insurance certificate meet the prefecture's requirements for obtaining a French student visa?
    Absolutely. The ADH insurance certificate is 100% compliant with the strict requirements of French prefectures and consulates. This essential document is valid for both your initial student visa application and your residency permit renewal. It proves you have full medical coverage and repatriation assistance, ensuring a smooth immigration process.

    Is the ADH health insurance a comprehensive plan, or do I legally need additional coverage?
    Our international student health insurance is a comprehensive, all-in-one plan. You legally do not need any additional coverage for your stay. To simplify your move to France, our policy centralizes the three mandatory guarantees:
    • Medical and hospitalization coverage.
    • Civil Liability (required by your university).
    • Medical repatriation assistance (required for your student visa).

    Am I covered immediately, or is there a waiting period before I can see a doctor?
    In the event of an accident or accident-related medical emergency, you are covered immediately with no waiting period. For standard illnesses (like doctor consultations and treatments), a short 8-day waiting period applies after subscription. Once this brief period passes, you are fully protected for all your healthcare needs in France.

    Does the insurance cover hospitalization, dental care, and specialist visits?

    Yes, our health coverage for international students is highly comprehensive:
    • Hospitalization: Covered at 100% of actual costs in contracted facilities.
    • Doctors and specialists: Reimbursed at 100% of actual costs (up to €80 or €100 per visit).
    • Dental care: Covers dental emergencies and accident-related dental treatments.

    Does this plan work as a top-up health insurance (mutuelle) alongside the French Social Security (CPAM)?
    Yes, it does. When you arrive in France, registering for French Social Security (CPAM) can take months. Our insurance covers you from the very first euro while you wait. Once your CPAM affiliation is active, our policy automatically adapts to function as a top-up insurance (mutuelle), covering the remaining out-of-pocket medical costs.

    Do you offer direct billing (tiers payant), or how do I get reimbursed if I pay upfront?
    For routine doctor visits, you must pay upfront. Reimbursement is fast and easy: simply upload your medical invoices under €500 to our online platform, or mail them if the amount is higher. For hospitalizations, no upfront payment is required -we set up direct billing with the hospital through a simple phone call.

    What are the coverage rates and reimbursement times for standard medical care?
    We reimburse standard medical care (prescriptions, lab tests, X-rays) at 100% of actual costs. Doctor consultations are also covered at 100% (up to €80 or €100). Thanks to our 100% digital platform for claims under €500, processing is accelerated, ensuring you receive a rapid bank transfer for your reimbursements.

    Can I extend or adjust my contract dates if my study abroad period changes?
    Yes, our insurance easily adapts to the length of your stay in France (from 1 to 12 months). If you extend your studies, you can quickly renew your policy online through your personal account. There are no additional administrative fees, guaranteeing continuous medical protection between two academic years.

    Is customer support available in English for questions or medical emergencies?
    Absolutely. Our France-based team manages your administrative requests and reimbursements in both English and French. For any medical emergency (hospitalization, repatriation), our assistance center is available 24/7. Our medical operators speak major international languages, ensuring you get the help you need without any language barriers.

    What assistance guarantees are included in the international student health insurance policy?
    Our international student health insurance includes robust assistance guarantees to ensure your peace of mind:
    • Medical repatriation to your home country.
    • Direct billing coordination in case of hospitalization.
    • An early return ticket in the event of a severe family emergency.
    • Legal assistance coupled with your Civil Liability coverage.

    Can I use this insurance before my French Social Security (CPAM) is officially activated?
    Yes, this is a major benefit of ADH. Obtaining your French Social Security (CPAM) number often takes several months. During this waiting period, our insurance works independently. You are reimbursed from the very first euro spent on medical care, without having to wait for your official enrollment in the French healthcare system.

    Do I need a French bank account to receive my medical reimbursements?
    No, a French bank account is not strictly mandatory to subscribe or receive your ADH reimbursements; an international account (ideally with a SEPA IBAN) is sufficient. However, opening a French bank account upon arrival is highly recommended, as it will greatly simplify your daily life and your official CPAM registration.

    Does the health insurance include medical repatriation to my home country?

    Yes, medical repatriation is fully included in our coverage. In a severe medical emergency, if doctors determine you need to return to your home country, our 24/7 assistance team will organize and fully cover your medical repatriation. This is a crucial guarantee required to validate your student visa.

    How do I register for the French healthcare system (Sécurité sociale) as an international student?
    To register, visit the official website: etudiant-etranger.ameli.fr. You will need to provide documents like your passport, student visa, and school certificate. Since this process takes time, ADH health insurance covers you from your first day in France. Once you get your CPAM number, our plan automatically becomes your top-up insurance.
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