Student health insurance: supplementary health insurance tailored to all profiles

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.

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.

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.

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!

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.

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.