Insurance for students abroad: travel with peace of mind

(1)Reimbursement rates apply on the basis of the Social Security rate (TRSS), and include Social Security reimbursement. Changes to Social Security rates do not result in an increase in supplementary health insurance reimbursement rates. Furthermore, reimbursement of expenses resulting from illness or accident cannot exceed the amount of the costs incurred. The flat-rate contribution of €2 as of May 15, 2024, and deductibles are not covered by the mutual insurance company.

(2) Coverage of the flat-rate contribution provided for in Article R.322-8 of the Social Security Code.

(3) lnsurance abroad: Pack Europe Pack Monde contract no. CBZDE11GOS6/PM, taken out with Cover-More Blue Insurance Services Limited (trading as Cover-More Europe), which is appointed as Managing General Agent to act on behalf of the insurer, Zurich Insurance Europe AG, and information notice VCM112, available at smerra.fr.
Pack Monde: Cover applies worldwide (except the European Economic Area and Switzerland). Pack Europe: Cover applies throughout the European Economic Area (except France) and Switzerland. No policy will cover planned or actual travel in, to, or through Belarus, Cuba, Iran, Syria, North Korea, Russia or the Crimea, Donetsk People’s Republic (DNR), or Luhansk People’s Republic (LNR) regions of Ukraine.
Cover-More Blue Insurance Services Limited is a company registered in Ireland with company number 345681, and registered address Suite 11, Fifth Floor, No. 2 Stemple Exchange, Blanchardstown Corporate Park, Blanchardstown, Dublin 15, Ireland. Cover-More Blue Insurance Services Limited is authorised and regulated by the Central Bank of Ireland, firm reference number C29373.
Zurich Insurance Europe AG is an insurance company registered with the commercial register in Germany under HRB 133359, with registered address at Platz der Einheit 2, 60327 Frankfurt am Main, Germany. Zurich Insurance Europe AG is authorised and regulated by Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), firm reference number 10005151.
For activities carried out in France under the freedom to provide services regime, the insurance provider is also subject to the supervision of the Autorité de Contrôle Prudentiel et de Résolution located at 4 place de Budapest, CS 92459, 75436 Paris Cedex 09, France.

(4) Modification – Cancellation: if you are no longer able to travel abroad as planned, you must inform us before the departure date indicated on your certificate in order to modify the departure date or cancel your trip and receive a full or partial refund of your premium. Similarly, if you return from abroad earlier than planned, you must notify us of the change to your return date before your arrival in France in order to request a refund of the excess premium paid. By mail: Smerra, 43 rue Jaboulay 69349 Lyon Cedex 07 or by email: conseillers@smerra.fr. In all cases, the €13 administrative fee will remain payable.

(5) Medical expenses abroad up to a limit of €350,000 per claim and per person, following an accident or illness covered by the policy, excluding dental expenses, which are covered at 70% of the actual costs and up to a limit of €230.