- Social Security reimbursement
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€19, if you are registered with the French social security system - Health insurance reimbursement
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none if you don’t have private health insurance ❌ - Remaining balance
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€11 to pay (including a €2 flat-rate contribution)
International students
Health insurance for foreign students in France
Health, housing, and social security: offers designed for international students, 100% compatible with student visas in France.
What should you plan for your health when you arrive in France?
Welcome to France! Smerra will help you with all your health and housing needs. Social security, Vitale card, mutual insurance, home insurance, or civil liability: we simplify everything for you so that you can settle in with peace of mind.
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Health & liability insurance, housing package
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100% online subscription from anywhere in the world
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Immediate certification for your visa or university enrollment
Our insurance packages for international students in France
Discover our offers that combine health + civil liability (including internships) and assistance for international students!
Choose the Pack en France Global if you stay less than 3 months.
Your warranties |
Pack en France GlobalThe formula if you are staying for less than 3 months and are not registered with Social Security €47 /month |
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Coverage from 90% (up to €5,000) to 100% (from €5,000 to €30,000)
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100%
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100% (with a ceiling of €750/quarter)
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80% (with a maximum of €150/quarter)
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max. €305,000
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max. €305,000
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Are you staying in France for more than 3 months?
Choose the Pack en France Confort insurance plan.
Your warranties |
Pack en France ConfortThe perfect option if you are staying for more than 3 months and are registered with Social Security €27.50 /month |
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100%
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100%
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100%
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100%
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100%
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100%
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Full reimbursement (**)
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€50
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€125
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€200
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€60/year
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€10/year
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€40/year
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€20/year
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€30/year
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€15/year
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€30/year
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€40/year
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up to €4,600,000 per claim
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up to €900,000/year of insurance
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up to €900,000 per claim
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up to €200,000 per claim
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400%
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maximum €4,575
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included
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All legal documents about our packages
- Ipid Pack en France Global
- Ipid Pack en France Confort
- Table of warranties Pack en France Confort
- Table of warranties Pack en France Global
- Terms and conditions Pack en France Global
(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 doctors who have signed up to the 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 doctors.
(**) 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 treatment).
(***) 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 Comfort cover and €100 for All Risks cover.
The advantages of the Pack en France
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Immediate certification for your university and visa
Your certificate is available as soon as you sign up, for your student visa and university enrollment. -
Before, during, and after your arrival
Smerra supports you in French or English to help you understand the healthcare system and settle in without stress. -
Comprehensive coverage for international students
Enjoy comprehensive health, liability, and assistance coverage designed for international students moving to France. -
100% online subscription
Subscribe to your Pack en France wherever you are and access your personal space as soon as you register. -
Suitable for your student budget
Health insurance + civil liability coverage starting at €27.50/month so you can live and study in France with peace of mind.
Prepare for your arrival in France!
International student
Your free survival kit in France
Download your free Survival Kit for arriving in France! Health, housing, budget, studies, French... all the essential information you need to get settled in.
Smerra Logement
Discover our student residences in France
Find student accommodation easily before you arrive in France with Smerra Logement: residences throughout France, close to campuses and ready to welcome you.
Pack logement
Your student accommodation in France
Smerra helps international students find accommodation in France quickly with the Pack logement.
How to subscribe and obtain your certificate?
Subscribe to your Pack en France Smerra in just a few minutes: everything is done online, simply and before your arrival in France.
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Choose your Pack en France
Select your Pack en France (Global or Confort) directly online from your home country. -
Secure online payment
Smerra will assist you every step of the way if needed: by email, phone, or in-store. -
Immediate certification
Your certificate is available as soon as you sign up: you are covered and ready for your stay in France! -
Welcome to France
That's it, you're officially ready to study in France!
Why are mutual insurance and civil liability insurance essential in France?
As a foreign student enrolled in a French higher education institution, you must have adequate coverage to live and study in France safely.
In France, certain types of insurance are mandatory or strongly recommended for students:
- Comprehensive health coverage: French Social Security (via ameli.fr or your European Health Insurance Card) reimburses part of your medical expenses. To supplement these reimbursements, it is essential to take out student mutual insurance or private health insurance.
- Civil liability insurance: mandatory for your university, internships, and any situation where you could cause harm to others. This insurance is required for your visa.
- Assistance and repatriation: essential for dealing with an emergency, a hospital stay or a return home.
Smerra’s Pack en France combine these guarantees in a single offer that is easy to subscribe to online, ensuring you have comprehensive coverage throughout your studies in France.
How does French Social Security work for students?
When you come to study in France, it is essential to understand how student Social Security (also known as Health Insurance) works. This system allows you to be reimbursed for part of your medical expenses: consultations, specialists, medication, dental care, or hospitalization.
Are you from a European Union (EU/EEA/Switzerland) country? Your European Health Insurance Card (EHIC) gives you access to healthcare in France. Please note that coverage remains partial and depends on French rates. Remember to order your EHIC before you arrive in France.
Are you from a country outside the European Union? As an international student, you must register with the French social security system (CPAM) to obtain your social security number and your Carte Vitale, which are essential for your reimbursements. You will need to present your Carte Vitale at each medical appointment.
In both cases, student health insurance remains essential to supplement Social Security and be fully reimbursed for your healthcare expenses.
Home insurance and civil liability: a requirement in France
As a student in France, you are required to take out home insurance and civil liability insurance.
Home insurance is required by your landlord or property owner before you are given the keys. You will be asked to provide proof of home insurance during the move-in inspection. Found your accommodation? Get ready to sign your lease by taking out low-cost student home insurance now.
Civil liability insurance is required by your host university and is mandatory for internships. It protects you if you cause damage to others, whether in your daily life, at school, or at work. Civil liability insurance for private life is also mandatory to obtain your student visa in France, and is included in the Pack en France (Global and Confort).
Practical guide: moving to France step by step
Are you coming to study in France? Smerra will guide you through every step of the process to make your move simple, quick, and 100% online. After enrolling at a French university (via Campus France or directly with the institution), remember to register with Social Security (CPAM) or use your European Health Insurance Card (EHIC) if you are from an EU/EEA country. For better protection, sign up for a Pack en France , which includes mutual insurance and civil liability, which is essential for university and internships. You can then submit your certificates for your visa, accommodation, and enrollment immediately after signing up. Once you arrive, simply use your Carte Vitale: Social Security and Smerra will automatically take care of your medical reimbursements.
Student health insurance: comprehensive coverage
As a foreign student enrolled in France, your registration with Social Security (via ameli.fr or with your European Health Insurance Card) provides you with basic health coverage, but it only reimburses part of your medical expenses.
This is where Smerra health insurance Pack en France come in, specially designed for international students. By subscribing to a Smerra offer, you benefit from supplementary health insurance that covers the rest of your medical expenses (consultations, pharmacy, hospitalization), as well as assistance and repatriation services in case of emergency.
With Smerra, you get comprehensive health insurance tailored to your country of origin, your study stay in France, and your student budget.
- Social Security reimbursement
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€19, if you are registered with the French social security system - Health insurance reimbursement
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€9✅ - Remaining balance
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€2 to be paid (flat-rate contribution)
All the answers to your questions
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In France, you must register with social security in order to have your healthcare costs covered. However, social security does not cover all of your healthcare costs. It is therefore essential to have supplementary health insurance when you come to France to cover the rest of your healthcare expenses.
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Yes, if you are a citizen of the European Union (EU) or the European Economic Area (EEA), you can use your European Health Insurance Card (EHIC) during your studies in France.
Remember to apply for it at least 20 days before your departure: it is free and issued by your health insurance provider in your country of origin.
The EHIC allows you to be reimbursed for medical care in France under the same conditions as a French student affiliated with Social Security.
However, it does not replace supplementary insurance: without mutual insurance, you will only be partially reimbursed.
The EHIC does not cover you if you need to be repatriated or if you cause damage to others. That is why, in addition to your European Health Insurance Card, you need to take out comprehensive student insurance for France: health + personal liability + personal accident + assistance for international students. -
All foreign students who are not citizens of the European Union, the European Economic Area, or Switzerland must register with the French Social Security system upon arrival in France. Registration is free and can be done online at the official website etudiant-etranger.ameli.fr
This will allow you to obtain a Social Security number and then your Carte Vitale, which are essential for reimbursement of medical expenses (consultations, pharmacy, hospitalization).
If you come from an EU/EEA country or Switzerland, you do not need to register: your European Health Insurance Card (EHIC) covers you for medical care in France.
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In France, Social Security (via the Health Insurance system – CPAM) is the basic public system that reimburses part of your medical expenses: consultations, medication, hospitalization, tests, X-rays, etc. However, these reimbursements only cover between 60% and 70% of the agreed rate, and certain types of care (dental, optical, specialists) remain largely or entirely unreimbursed.
Mutual health insurance, also known as supplemental health insurance, complements Social Security. It covers the remaining costs (also known as the “co-payment”) and may include additional coverage: enhanced dental care, optical care, hospitalization, vaccinations, contraception, etc. -
The Pack en France Confort is the ideal solution for foreign students enrolled in a French institution who want comprehensive health coverage during their stay.
It covers your healthcare expenses: doctor’s visits, hospitalization, dental care, optical care, etc., according to the coverage provided in the contract. This means you will receive better reimbursement than if you only had Social Security. Smerra also includes preventive care reimbursements (contraceptives, sanitary protection, fruit and vegetables, taxis to get home from parties) to help you in your student life.
This package also includes civil liability and personal accident insurance, which is essential for your university enrollment and mandatory for internships in France.
You also benefit from individual accident insurance, which protects you in case of unforeseen events, as well as assistance in France in case of illness or hospitalization. -
The Pack en France Global is a comprehensive insurance policy designed for international students in France.
It combines health, civil liability, and assistance coverage to protect you in all everyday situations.
The health portion covers your essential expenses: hospitalization, medical consultations, and emergency dental care.
You are covered in France for up to 3 months, with the option to renew your coverage depending on the length of your stay.
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The price of health insurance for foreign students in France varies depending on the level of coverage chosen and the length of coverage.
On average, expect to pay between €28 and €50 per month for comprehensive coverage including medical care, hospitalization, optical, dental, and civil liability.
At Smerra, the Pack en France Confort starts at €27.50/month and includes: health, personal liability and internship coverage, individual accident insurance, and emergency assistance services.
Prepare for your student life in France
Want to know everything before you arrive? Download our practical information sheets!
Ready to subscribe?
Choose your package and start your adventure in France with complete peace of mind