Student health insurance
Student health insurance: supplementary health insurance tailored to all profiles
What is the purpose of supplementary health insurance?
Social security reimburses an average of 70% of your medical expenses. What if you need glasses or have to be hospitalized? You’ll have to pay out of pocket… unless you have supplementary health insurance.
With Smerra student supplementary health insurance, you can supplement your health reimbursements and get coverage for what you really need in your student life :
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Dental and vision care
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Overcharges
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Hospitalization or unforeseen circumstances
Our 4 health insurance plans
Discover our different student health insurance plans that can be tailored to your budget and reimbursement needs (hospitalization, specialist doctor, dental care, etc.).
Your warranties |
Minimale
The affordable solution to stay protected in case of hospitalization. €5/month €60/year |
Essentielle
A package designed for those on a tight budget and with basic needs. €13.80/month €165.60/year |
Confort
The comfort of health insurance that includes dental and vision care. €25.50/month €306/year |
Tous risques
Enhanced health coverage to cover all risks. €41/month €492/year |
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Physicians who have joined a controlled pricing option (OPTAM or OPTAM-ACO) (*)
100%
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Physicians who have joined a controlled pricing option (OPTAM or OPTAM-ACO) (*)
100%
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Physicians who have joined a controlled pricing option (OPTAM or OPTAM-ACO) (*)
100%
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Physicians who have joined a controlled pricing option (OPTAM or OPTAM-ACO) (*)
130%
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Physicians who have not signed up for a controlled pricing option (OPTAM or OPTAM-ACO) (*)
100%
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Physicians who have not signed up for a controlled pricing option (OPTAM or OPTAM-ACO) (*)
100%
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Physicians who have not signed up for a controlled pricing option (OPTAM or OPTAM-ACO) (*)
100%
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Physicians who have not signed up for a controlled pricing option (OPTAM or OPTAM-ACO) (*)
110%
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Coverage of the entire flat-rate contribution for “major medical procedures” (as referred to in Article R.160-16 of the Social Security Code) (1)
100%
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Coverage of the entire flat-rate contribution for “major medical procedures” (as referred to in Article R.160-16 of the Social Security Code) (1)
100%
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Coverage of the entire flat-rate contribution for “major medical procedures” (as referred to in Article R.160-16 of the Social Security Code) (1)
100%
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Coverage of the entire flat-rate contribution for “major medical procedures” (as referred to in Article R.160-16 of the Social Security Code) (1)
100%
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Accommodation and hospitalization costs
100%
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Accommodation and hospitalization costs
100%
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Accommodation and hospitalization costs
100%
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Accommodation and hospitalization costs
100%
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Daily hospital fee (1)
Actual costs capped at 30 days/year
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Daily hospital fee (1)
Actual costs capped at 30 days/year
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Daily hospital fee (1)
Actual costs
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Daily hospital fee (1)
Actual costs
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Daily psychiatric hospital fee (1)
Actual costs capped at 30 days/year
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Daily psychiatric hospital fee (1)
Actual costs capped at 30 days/year
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Daily psychiatric hospital fee (1)
Actual costs
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Daily psychiatric hospital fee (1)
Actual costs
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Emergency patient plan
Actual costs
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Emergency patient plan
Actual costs
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Emergency patient plan
Actual costs
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Emergency patient plan
Actual costs
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Private room supplement (1)
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Private room supplement (1)
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Private room supplement (1)
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Private room supplement (1)
€15/day
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Consultations/visits to general practitioners who have signed up to a controlled pricing option (OPTAM) (*)
70%
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Consultations/visits to general practitioners who have signed up to a controlled pricing option (OPTAM) (*)
100%
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Consultations/visits to general practitioners who have signed up to a controlled pricing option (OPTAM) (*)
100%
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Consultations/visits to general practitioners who have signed up to a controlled pricing option (OPTAM) (*)
130%
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Consultations/visits to general practitioners who have not signed up to a controlled pricing option (OPTAM) (*)
70%
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Consultations/visits to general practitioners who have not signed up to a controlled pricing option (OPTAM) (*)
100%
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Consultations/visits to general practitioners who have not signed up to a controlled pricing option (OPTAM) (*)
100%
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Consultations/visits to general practitioners who have not signed up to a controlled pricing option (OPTAM) (*)
110%
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Consultations/visits with specialist physicians who have joined a controlled pricing option (OPTAM or OPTAM-ACO) (*)
70%
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Consultations/visits with specialist physicians who have joined a controlled pricing option (OPTAM or OPTAM-ACO) (*)
100%
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Consultations/visits with specialist physicians who have joined a controlled pricing option (OPTAM or OPTAM-ACO) (*)
100%
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Consultations/visits with specialist physicians who have joined a controlled pricing option (OPTAM or OPTAM-ACO) (*)
130%
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Consultations/visits to specialists who have not signed up to a controlled pricing option (OPTAM or OPTAM-ACO) (*)
70%
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Consultations/visits to specialists who have not signed up to a controlled pricing option (OPTAM or OPTAM-ACO) (*)
100%
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Consultations/visits to specialists who have not signed up to a controlled pricing option (OPTAM or OPTAM-ACO) (*)
100%
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Consultations/visits to specialists who have not signed up to a controlled pricing option (OPTAM or OPTAM-ACO) (*)
110%
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Consultations/visits with specialist psychiatrists who have signed up to a controlled pricing option (OPTAM or OPTAM-ACO) (*)
70%
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Consultations/visits with specialist psychiatrists who have signed up to a controlled pricing option (OPTAM or OPTAM-ACO) (*)
70%
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Consultations/visits with specialist psychiatrists who have signed up to a controlled pricing option (OPTAM or OPTAM-ACO) (*)
100%
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Consultations/visits with specialist psychiatrists who have signed up to a controlled pricing option (OPTAM or OPTAM-ACO) (*)
130%
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Consultations/visits with psychiatric specialists who have not signed up to a controlled pricing option (OPTAM or OPTAM-ACO) (*)
70%
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Consultations/visits with psychiatric specialists who have not signed up to a controlled pricing option (OPTAM or OPTAM-ACO) (*)
70%
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Consultations/visits with psychiatric specialists who have not signed up to a controlled pricing option (OPTAM or OPTAM-ACO) (*)
100%
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Consultations/visits with psychiatric specialists who have not signed up to a controlled pricing option (OPTAM or OPTAM-ACO) (*)
110%
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Consultations/visits by midwives
70%
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Consultations/visits by midwives
100%
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Consultations/visits by midwives
100%
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Consultations/visits by midwives
130%
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Practitioners who have signed up for a controlled pricing option (OPTAM or OPTAM-ACO) (*)
70%
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Practitioners who have signed up for a controlled pricing option (OPTAM or OPTAM-ACO) (*)
100%
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Practitioners who have signed up for a controlled pricing option (OPTAM or OPTAM-ACO) (*)
100%
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Practitioners who have signed up for a controlled pricing option (OPTAM or OPTAM-ACO) (*)
130%
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Practitioners who have not signed up for a controlled pricing option (OPTAM or OPTAM-ACO) (*)
70%
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Practitioners who have not signed up for a controlled pricing option (OPTAM or OPTAM-ACO) (*)
100%
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Practitioners who have not signed up for a controlled pricing option (OPTAM or OPTAM-ACO) (*)
100%
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Practitioners who have not signed up for a controlled pricing option (OPTAM or OPTAM-ACO) (*)
110%
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Coverage of the entire flat-rate contribution for “major medical procedures” (as referred to in Article R.160-16 of the Social Security Code) (1)
100%
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Coverage of the entire flat-rate contribution for “major medical procedures” (as referred to in Article R.160-16 of the Social Security Code) (1)
100%
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Coverage of the entire flat-rate contribution for “major medical procedures” (as referred to in Article R.160-16 of the Social Security Code) (1)
100%
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Coverage of the entire flat-rate contribution for “major medical procedures” (as referred to in Article R.160-16 of the Social Security Code) (1)
100%
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Nurses, massage therapists, chiropodists, podiatrists, speech therapists, orthoptists
60%
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Nurses, massage therapists, chiropodists, podiatrists, speech therapists, orthoptists
60%
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Nurses, massage therapists, chiropodists, podiatrists, speech therapists, orthoptists
100%
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Nurses, massage therapists, chiropodists, podiatrists, speech therapists, orthoptists
130%
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Medical tests and laboratory procedures
60%
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Medical tests and laboratory procedures
100%
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Medical tests and laboratory procedures
100%
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Medical tests and laboratory procedures
130%
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Medicines and dispensing fees reimbursed by compulsory health insurance at 65%
65%
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Medicines and dispensing fees reimbursed by compulsory health insurance at 65%
100%
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Medicines and dispensing fees reimbursed by compulsory health insurance at 65%
100%
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Medicines and dispensing fees reimbursed by compulsory health insurance at 65%
100%
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Medicines and dispensing fees reimbursed by compulsory health insurance at 30%
30%
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Medicines and dispensing fees reimbursed by compulsory health insurance at 30%
100%
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Medicines and dispensing fees reimbursed by compulsory health insurance at 30%
100%
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Medicines and dispensing fees reimbursed by compulsory health insurance at 30%
100%
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Medicines and dispensing fees reimbursed by compulsory health insurance at 15%
15%
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Medicines and dispensing fees reimbursed by compulsory health insurance at 15%
100%
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Medicines and dispensing fees reimbursed by compulsory health insurance at 15%
100%
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Medicines and dispensing fees reimbursed by compulsory health insurance at 15%
100%
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Accessories and bandages, equipment and orthopedic devices reimbursed by mandatory health insurance
60%
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Accessories and bandages, equipment and orthopedic devices reimbursed by mandatory health insurance
100%
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Accessories and bandages, equipment and orthopedic devices reimbursed by mandatory health insurance
100%
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Accessories and bandages, equipment and orthopedic devices reimbursed by mandatory health insurance
130%
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Transportation
55% to 100%
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Transportation
100%
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Transportation
100%
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Transportation
130%
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Vaccines and booster shots covered by mandatory health insurance (1)
100%
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Vaccines and booster shots covered by mandatory health insurance (1)
100%
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Vaccines and booster shots covered by mandatory health insurance (1)
100%
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Vaccines and booster shots covered by mandatory health insurance (1)
100%
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Annual dental scaling (1)
100%
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Annual dental scaling (1)
100%
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Annual dental scaling (1)
100%
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Annual dental scaling (1)
100%
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Hepatitis B screening (1)
100%
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Hepatitis B screening (1)
100%
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Hepatitis B screening (1)
100%
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Hepatitis B screening (1)
100%
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Vaccines and booster shots not covered by mandatory health insurance but medically prescribed (1)
-
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Vaccines and booster shots not covered by mandatory health insurance but medically prescribed (1)
-
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Vaccines and booster shots not covered by mandatory health insurance but medically prescribed (1)
€60/year
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Vaccines and booster shots not covered by mandatory health insurance but medically prescribed (1)
€90/year
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Package deal for third- and fourth-generation contraceptive pills and contraceptive ring (1)
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Package deal for third- and fourth-generation contraceptive pills and contraceptive ring (1)
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Package deal for third- and fourth-generation contraceptive pills and contraceptive ring (1)
€40/year
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Package deal for third- and fourth-generation contraceptive pills and contraceptive ring (1)
€60/year
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Pregnancy test package (1)
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Pregnancy test package (1)
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Pregnancy test package (1)
€10/year
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Pregnancy test package (1)
€10/year
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Alternative medicine package: osteopathy, acupuncture, dietitian, chiropractic (for IFEC-certified practitioners) (1)
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Alternative medicine package: osteopathy, acupuncture, dietitian, chiropractic (for IFEC-certified practitioners) (1)
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Alternative medicine package: osteopathy, acupuncture, dietitian, chiropractic (for IFEC-certified practitioners) (1)
€30/year
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Alternative medicine package: osteopathy, acupuncture, dietitian, chiropractic (for IFEC-certified practitioners) (1)
€60/year
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Maternity package (1)
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Maternity package (1)
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Maternity package (1)
€60/childbirth
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Maternity package (1)
€120/childbirth
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Prescription-free medication (including homoeopathy) (1)
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Prescription-free medication (including homoeopathy) (1)
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Prescription-free medication (including homoeopathy) (1)
€20/year
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Prescription-free medication (including homoeopathy) (1)
€30/year
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Male and female condoms package (1)
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Male and female condoms package (1)
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Male and female condoms package (1)
€20/year
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Male and female condoms package (1)
€30/year
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Psychologist consultation package (1)
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Psychologist consultation package (1)
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Psychologist consultation package (1)
€40/year
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Psychologist consultation package (1)
€80/year
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Period protection package (1)
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Period protection package (1)
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Period protection package (1)
€30/year
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Period protection package (1)
€60/year
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Care and hydrotherapy (spa package))
65% to 80%
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Care and hydrotherapy (spa package))
65% to 80%
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Care and hydrotherapy (spa package))
100%
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Care and hydrotherapy (spa package))
130%
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Accommodation costs accepted by compulsory health insurance
65% to 80%
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Accommodation costs accepted by compulsory health insurance
65% to 80%
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Accommodation costs accepted by compulsory health insurance
100%
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Accommodation costs accepted by compulsory health insurance
130%
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Travel expenses (TRSS: SNCF 2nd class) accepted by compulsory health insurance or Km/CV rate
55% to 80%
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Travel expenses (TRSS: SNCF 2nd class) accepted by compulsory health insurance or Km/CV rate
55% to 80%
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Travel expenses (TRSS: SNCF 2nd class) accepted by compulsory health insurance or Km/CV rate
100%
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Travel expenses (TRSS: SNCF 2nd class) accepted by compulsory health insurance or Km/CV rate
100%
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Conservative care, consultations, radiology
60%
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Conservative care, consultations, radiology
60%
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Conservative care, consultations, radiology
100%
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Conservative care, consultations, radiology
130%
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Inlays and onlays reimbursed by compulsory health insurance
60%
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Inlays and onlays reimbursed by compulsory health insurance
60%
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Inlays and onlays reimbursed by compulsory health insurance
100%
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Inlays and onlays reimbursed by compulsory health insurance
100%
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Prostheses reimbursed by compulsory health insurance
60%
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Prostheses reimbursed by compulsory health insurance
60%
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Prostheses reimbursed by compulsory health insurance
full refund (**)
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Prostheses reimbursed by compulsory health insurance
full refund (**)
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Inlay cores reimbursed by compulsory health insurance
60%
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Inlay cores reimbursed by compulsory health insurance
60%
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Inlay cores reimbursed by compulsory health insurance
100%
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Inlay cores reimbursed by compulsory health insurance
130%
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Prostheses reimbursed by compulsory health insurance
60%
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Prostheses reimbursed by compulsory health insurance
60%
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Prostheses reimbursed by compulsory health insurance
100%
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Prostheses reimbursed by compulsory health insurance
130%
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Orthodontics covered by mandatory health insurance:
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Active treatment (TO 45, TO 90, TO 180, and TO 200)
100%
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Active treatment (TO 45, TO 90, TO 180, and TO 200)
100%
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Active treatment (TO 45, TO 90, TO 180, and TO 200)
100%
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Active treatment (TO 45, TO 90, TO 180, and TO 200)
130%
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Non-active treatment (restraint and other treatments)
60%
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Non-active treatment (restraint and other treatments)
60%
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Non-active treatment (restraint and other treatments)
100%
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Non-active treatment (restraint and other treatments)
130%
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Dental prosthesis or orthodontic treatment package, whether reimbursed or not by mandatory health insurance (1)
-
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Dental prosthesis or orthodontic treatment package, whether reimbursed or not by mandatory health insurance (1)
-
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Dental prosthesis or orthodontic treatment package, whether reimbursed or not by mandatory health insurance (1)
€30/year
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Dental prosthesis or orthodontic treatment package, whether reimbursed or not by mandatory health insurance (1)
€240/year
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Lenses and frames
60%
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Lenses and frames
100%
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Lenses and frames
full refund (**)
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Lenses and frames
full refund (**)
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Lenses and frames
60%
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Lenses and frames
100%
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Lenses and frames
60% + package
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Lenses and frames
60% + package
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Single lens equipment package (***) (1)
-
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Single lens equipment package (***) (1)
-
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Single lens equipment package (***) (1)
€50
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Single lens equipment package (***) (1)
€120
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Mixed equipment package (single lens + complex or hyper-complex lens) (***) (1)
-
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Mixed equipment package (single lens + complex or hyper-complex lens) (***) (1)
-
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Mixed equipment package (single lens + complex or hyper-complex lens) (***) (1)
€125
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Mixed equipment package (single lens + complex or hyper-complex lens) (***) (1)
€160 to €200
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Complex or hyper-complex lens package (***) (1)
-
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Complex or hyper-complex lens package (***) (1)
-
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Complex or hyper-complex lens package (***) (1)
€200
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Complex or hyper-complex lens package (***) (1)
€200 to €280
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Contact lenses covered by mandatory health insurance
60%
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Contact lenses covered by mandatory health insurance
100%
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Contact lenses covered by mandatory health insurance
100%
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Contact lenses covered by mandatory health insurance
130%
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Contact lens package accepted by mandatory health insurance (1)
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Contact lens package accepted by mandatory health insurance (1)
-
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Contact lens package accepted by mandatory health insurance (1)
€30/year
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Contact lens package accepted by mandatory health insurance (1)
€120/year
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100% Healthcare - CLASS I (enhanced coverage)
60%
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100% Healthcare - CLASS I (enhanced coverage)
60%
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100% Healthcare - CLASS I (enhanced coverage)
full refund (**)
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100% Healthcare - CLASS I (enhanced coverage)
full refund (**)
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Not covered by 100% Healthcare - CLASS II (unregulated pricing)
60%
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Not covered by 100% Healthcare - CLASS II (unregulated pricing)
60%
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Not covered by 100% Healthcare - CLASS II (unregulated pricing)
100%
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Not covered by 100% Healthcare - CLASS II (unregulated pricing)
130%
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Hearing aid limited to one hearing aid every four years for each ear (***) : single flat rate regardless of the number of hearing aids
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Hearing aid limited to one hearing aid every four years for each ear (***) : single flat rate regardless of the number of hearing aids
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Hearing aid limited to one hearing aid every four years for each ear (***) : single flat rate regardless of the number of hearing aids
€60/year
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Hearing aid limited to one hearing aid every four years for each ear (***) : single flat rate regardless of the number of hearing aids
€150/year
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| The + with Smerra | The + with Smerra | The + with Smerra | The + with Smerra | |
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Fruit & Vegetable Package
-
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Fruit & Vegetable Package
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Fruit & Vegetable Package
€30/year
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Fruit & Vegetable Package
€40/year
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Evening Taxi rides (between 10 p.m. and 6 a.m.)
-
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Evening Taxi rides (between 10 p.m. and 6 a.m.)
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Evening Taxi rides (between 10 p.m. and 6 a.m.)
€15/year
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Evening Taxi rides (between 10 p.m. and 6 a.m.)
€15/year
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Daily allowance package for working students
-
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Daily allowance package for working students
€15/day ( capped at 30days/year)
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Daily allowance package for working students
€15/day (capped at 30days/year)
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Daily allowance package for working students
€15/day (capped at 30days/year)
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| Get insured online | Get insured online | Get insured online | Get insured online |
All legal notice about our plans
Reimbursement by Social Security + supplementary health insurance (1) within the coordinated care pathway. Social Security reimbursement rates as of 31/03/2026.
OPTAM or OPTAM-ACO: Controlled Fee Schedule Option.
(1) According to the conditions defined in Articles 18 and 19 of the Smerra mutual insurance regulations.
(*) The reimbursement by the mutual insurance company of excess fees for consultations and medical procedures distinguishes between those of doctors who have signed up to controlled pricing schemes (Controlled Pricing Option, Controlled Pricing Option for Anesthesiologists, Surgeons, and obstetrician-Gynecologists) provided for in the National Agreement of August 25, 2016, applicable to private practitioners, from those of non-participating physicians.
(**) As defined by regulation (the amount of reimbursements for 100% Healthcare care and equipment applies within the limits of the maximum retail price for optical and hearing aids and within the limits of the maximum billing fees for dental care, in force on the date of care).
(***) Pursuant to Decrees 2019-21 of January 11, 2019, and 2014-1374 of November 18, 2014. For optical care, the flat rates include the frame and the co-payment. The mutual insurance company reimburses a flat rate for optical equipment every two years or every year for children under 16 or in the event of renewal justified by a change in vision, calculated from the date of purchase of the optical equipment. In all cases, the maximum reimbursement for frames is €50 for Confort coverage and €100 for Tous risques coverage. Hearing aid : limited to one hearing aid every four years for each ear. Single package regardless of the number of hearing aids.
The 100% Santé plan is available to anyone with a responsible supplemental health insurance plan.
Out-of-pocket costs: This amount represents the expenses you are still responsible for paying after reimbursements from both your basic health insurance and your supplemental health insurance have been processed.
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Low-cost student health insurance
Get affordable supplemental health insurance starting at €5/month with Smerra. Pay monthly or annually - it's up to you! -
A student health insurance plan with no waiting period
Your reimbursements start the day after you sign up, with no waiting period if you are covered by your previous supplemental health insurance. -
Health insurance tailored to students
Smerra reimburses your daily student expenses: therapy, protection, condoms, evening taxis, fruit and vegetables, etc. -
Quick 100% online membership
With Smerra, quickly sign up for your health insurance 100% online and receive your third-party payment card directly.. -
Secure payment
Pay securely online and choose your payment method: monthly direct debit or annual payment.
The unmissable deals !
Health + student insurance package
Your Health Insurance + Civil Liability Package for your student life
Take advantage of a special offer with the Health + Insurance Package, which combines your supplemental health insurance and civil liability insurance at a low price!
Tonic Études
Tonic Études, supplementary health insurance for students
Do you already have health insurance or are you covered by your parents' plan? Do you need reimbursement for your student lifestyle (chiropractor, taxi rides home from parties, fruit and vegetables)? Tonic Études reimburses you and saves you up to €355/year!
All the answers to your questions
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Student health insurance is not mandatory, although it is highly recommended because reimbursements from the French national health insurance system (Assurance Maladie) are often incomplete. Having health insurance allows you to limit your healthcare expenses by receiving better reimbursement for costs related to hospitalizations, dental care, and even optical care.
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The mutual insurance company supplements Social Security reimbursements for your medical expenses (consultations, medication, hospitalization). The difference between this and health insurance lies mainly in the status of the organization: a mutual insurance company is a non-profit organization, whereas an insurance company is a commercial enterprise.
Smerra belongs to the first category: the real decision-makers are the elected student representatives who make up the mutual insurance company’s board of directors.
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For students, basic health insurance costs between €20 and €40 per month (depending on the level of coverage chosen). Smerra offers low-cost health insurance starting at €5/month for students.
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Yes, it is possible to remain on your parents’ health insurance plan. But before you decide, check what is covered and up to what age you are covered. The most important thing is to have coverage that suits your student life: reimbursement for osteopathy consultations, sanitary protection or contraceptives, or even a contribution towards the purchase of fruit and vegetables.
Good news: if you want to stay on your parents’ health insurance but also want reimbursements for your student life (taxis home from parties, fruit and vegetables, etc.), check out the Tonic Études student supplementary insurance!
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Good news: if you are experiencing financial difficulties, you may be eligible for Complémentaire santé solidaire (CSS or C2S). This is a government subsidy that covers all or part of your health insurance premiums, depending on your income. In other words, you can keep your health insurance reimbursements without breaking your student budget.
Eligibility is determined using the online simulator at ameli.fr or by calling +33 (0)800 971 391 (free service and call).
Smerra manages the Complémentaire Santé Solidaire (C2S)! You can apply on ameli.fr and select Smerra as your managing organization: it will then take care of reimbursing your healthcare costs.
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Signing up for student health insurance is super easy: everything can be done directly on our website (you’re already in the right place). Once your registration has been confirmed, you will find your third-party payment card in your personal account, which you can present at the pharmacy, doctor’s office, or for an X-ray.
All our health advice and actions to support you
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