Expertise at the service of student independence
For over 50 years, Smerra has been supporting students throughout their lives.
As specialists in student health, we develop practical solutions in insurance, prevention, and housing, in partnership with educational institutions and other stakeholders in the student community.
Our ambition: to improve the health and living conditions of every student throughout France in a sustainable way.
Concrete actions in all areas
We offer students solutions designed for them, accessible and effective, closely aligned with their realities:
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Insurance and supplemental health coverage
Simple, transparent coverage tailored to their daily lives, regardless of their course of study.
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Prevention and health education
Hundreds of interventions each year in high schools, colleges, universities, and student associations on key topics.
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Access to housing
Thanks to our network of student residences (Logifac and Fac-Habitat), we offer housing solutions throughout France.
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Tailor-made solutions for your students
We work with you to create personalized group contract solutions to meet the specific needs of your students.
Supporting independence without standardizing pathways
Student life isn’t just about classes and exams. It’s a time when you learn to stand on your own two feet, make choices, and fend for yourself, sometimes with doubts but often with a strong desire to move forward.
Smerra supports this transition to independence with a simple idea: help without judging, and offer solutions that respect the diversity of situations.
🤝 We work with you to develop useful, humane, and concrete actions that are as close to the ground as possible.
A history born out of student commitment
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1970
Creation of Smerra
A mutual insurance company run by students to guarantee fair access to healthcare.
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1985
Smerra is expanding its operations to include student services and housing
As a leader in establishing nonprofit organizations dedicated to student services and housing, Smerra has sparked an innovative movement by taking action.
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Late 1980s
Publication of the first free student life guide
O.S.E. publishes its first student life guide. Forty years later, the series includes six editions, with an annual print run of over 40,000 copies.
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1989
Creation of the FNIM
Smerra works with other mutual insurance companies to create the National Federation of Mutual Innovation (known at the time as the National Independent Federation of Mutuals).
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2000
Launch of Student housing insurance
Then, in 2024, a partnership with Leocare.
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2000
Smerra already manages 7,500 housing units
Under the OSE – Club Étudiant banner, Smerra manages a portfolio of 7,500 housing units in student residences throughout France and operates a private/student rental service with over 5,000 listings.
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2005
Launch of the Pack Monde Europe international insurance plan
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2008
Smerra, a pioneer in instant reimbursement
Long before third-party payment and the Viale card, Smerra reimbursed healthcare expenses immediately at its branches.
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2017
Establishment of the Smerra Corporate Foundation
Launch of the “L’Agitateur” call for proposals, a national competition that recognizes projects aimed at improving students’ living conditions, health, and academic experience.
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2018
OSE - Student Club becomes Logifac by Smerra
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2018
Launch of Student Cover France
Smerra supports international students as they arrive in France.
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2019
Evolution of the student health insurance system
Smerra continues its mission outside the mandatory framework, remaining true to its values of proximity.
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2020
Fac-Habitat joins Smerra and Logifac
Providing access to hundreds of residences across France. Over 18,000 students housed.
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2025
Smerra organizes its student-focused ecosystem
Housing, insurance, health, prevention.
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Working together
Because acting for young people means building with institutions, teaching teams, associations, and young people themselves. -
Trust
Because every exchange counts, our commitment is based on listening, responsiveness, and transparency. -
Changing the status quo
Parce qu’il est temps de penser la vie étudiante comme un socle d’équilibre, de droits et de développement personnel.
Our teams are located in all regions.
They provide daily support to educational institutions, student unions, local authorities, and associations in implementing concrete actions.
Each partnership is tailor-made to suit the needs of your audience and the reality of your situation.
They trust us
Our teams are at your disposal via the form below 👇to build a useful, humane, and effective project.
Find out more about our actions on our LinkedIn page.