Student health mutual guarantees
Student health mutual guarantees. It is common for students to neglect their complementary health insurance due to their low budget. According to a latest survey, most students give up treatment and sacrifice their health because of their precarious income.
It is certainly not compulsory to hold a complementary health insurance, but it is essential in order to prevent pharaminous costs in the event of illnesses, hospitalization and others. In particular, it makes it possible to avoid paying excess fees and co-payments.
For a comparison adapted to your situation and to find an effective student health insurance at a low price, consult a comparator!
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Which insurer for student health insurance?
During student fairs, you will probably have the opportunity to meet many student social security organizations if you haven't already. Thus SMECO, SMENO, SMEREP or LMDE etc. in parallel offer many student health mutuals.
To subscribe to it, you must obviously be a student, be under 26 and come under the student social security system.
Note that registration with a student health insurance fund is completed during the administrative registration that takes place in your higher education establishment.
Health insurance for students offers advantageous rates, because young people do not have extremely important health needs unlike a family or a couple of seniors.
Student mutual insurance: the different solutions
Aid for the acquisition of complementary health insurance exists for those who have a limited budget that does not allow them to acquire usual mutual health insurance, such as:
the health check, allowing you to benefit from a reduction when subscribing to a health insurance contract, the CMU which covers your health expenses, only if you meet the conditions of allocation.
All insurance organizations, whether mutual or private, whether mutual, provident institutions, insurance companies or banks, have contracts adjusted to the budget and the requirements of the students. . As a result, you are not necessarily obliged to subscribe to traditional student mutual insurance. You can even be insured to meet your needs, against more appropriate contributions.
Another advantage of this formula is that it allows you to keep this same complementary health once you are a young graduate. Whereas if you are attached to a student mutual, you will have to terminate and take out a new one.
What guarantees for student health insurance?
Mutual funds for young people or students allow the reimbursement of all or part of health costs, on the main points of expenditure including: routine care such as consultations with a general practitioner or specialist, drug reimbursement, dental care, optical care (and optional optical equipment, such as glasses and contact lenses), hospital care.
The level of reimbursement varies according to the contracts. However, the policies are generally calibrated in order to adjust to the guarantees of young people, with generally limited needs, as well as certain specific guarantees such as contraception etc., and reduced budgets.
In order to please all students, different health insurance formulas will be presented to you. Adjust the level of guarantees according to your needs. Having a high dental package if you have dental problems and a low level of guarantees for optics if you do not have a sight problem, will be more judicious.
In order to find the complementary health insurance for students adapted to your needs but also to your budget, it is strongly advised to use an insurance comparator. Because every guarantee counts as well as every penny in your wallet, use a student mutual insurance comparator. (*)
