legal notices smerra.fr

Who publishes this website?

Groupe Uitsem

43 rue Jaboulay

69349 Lyon cedex 07

Publishing director: Lionel LÉRISSEL

Who hosts this website?

Fazaé

18 av. Charles De Gaulle – 69370 Saint-Didier-au-Mont-d’Or

Who owns the intellectual property?

All information reproduced in the sections (photos, logos) is protected by intellectual property rights held by UITSEM or their respective owners. Any copying, even partial, of any elements of this site will be subject to legal proceedings.

Smerra: mutual insurance company, Head office: 43 rue Jaboulay 69007 Lyon, SIREN No. 775 648 256 subject to the provisions of Book II of the Mutual Insurance Code and to the supervision of the ACPR 4 Place de Budapest 75436 Paris Cedex 09.

Pursuant to Articles L.211-5 and R211-27 of the Mutual Insurance Code, the UITSEM group, a mutual insurance union No. 330 176 413 subject to the provisions of Book II of the Mutual Insurance Code, headquartered at 43 rue Jaboulay, Lyon 7e, fully replaces Smerra – Mutuelle étudiante for the provision of health and accident insurance coverage offered to participating members of Smerra – Mutuelle étudiante and their beneficiaries, as well as for the fulfillment of existing and future commitments. Groupe UITSEM acts as joint guarantor for all financial commitments and expenses, including non-insurance-related expenses, undertaken by Smerra – Mutuelle étudiante. If the approval granted is withdrawn, the coverage will be terminated at noon on the fortieth day from the date of publication of the decision to withdraw approval, and the portion of the premium relating to the non-covered period will then be refunded to the policyholder.

How do we protect your data (GDPR & CNIL)?

When you visit our website, the UITSEM group, as data controller, may collect your personal data in connection with the performance of your insurance contracts.

Your personal data will be entrusted to employees and subcontractors of the mutual insurance company who are duly authorized to manage it, and this will only be done to the extent necessary for the management of your contracts and benefits.

Your data will be kept for a period of time in accordance with the various regulatory requirements applicable to the mutual insurance company.

In this case, the mutual insurance company ensures that the data is subject to an adequate level of security and protection.

You may at any time request to exercise your rights of access, modification, opposition, and your right to be forgotten, in accordance with the GDPR.

To do so, you can send a request to the mutual insurance company’s Data Protection Officer (DPO) by following this link, or by post to the following address:

DPO groupe UITSEM 43, rue Jaboulay 69007 LYON

Prices including tax valid as of 06/16/2025.

Terms and conditions

CANCELLATION POLICY: The insured party has a cancellation period of 14 days from the date of conclusion of the contract, which can be exercised by sending a registered letter with acknowledgment of receipt to: Smerra, 43 rue Jaboulay, 69349 Lyon Cedex 07, France.

CLAIMS PROCEDURE: You can send us your claim using this form or by mail to Smerra/RÉCLAMATION, 43 rue Jaboulay, 69349 LYON Cedex 07.

MEDIATOR: In accordance with the regulations in force, and in the event of a disagreement, you can contact the insurance mediator:

• using the form available on the website of the Paris Mediation and Arbitration Center (CMAP) at https://www.cmap.fr/consommateurs/
•  or by post to CMAP – Service Médiation de la Consommation, 39 avenue Franklin D. Roosevelt 75008 Paris.

Photo credits

The photographs featured on this website are the property of Smerra or their respective authors.

Photos: Freepiks, Canva, Xavier Ferrand

Any reproduction, modification, or use is prohibited without prior authorization.

Photos depicting people are published with their consent.

Editorial

Some of the content on this site has been generated using artificial intelligence tools, then reviewed, verified, and validated by our teams.

References to health product coverage

(1) According to the conditions defined in Articles 18 and 19 of the Smerra mutual insurance regulations.

(2) Proof of Primordiale or Renforcée coverage must be provided when creating the online reservation request file.

(3) Request to be made by providing a paid annual subscription invoice in your name, accompanied by proof of membership of the association or sports club in an approved federation or its approval by the State.

OPTAM or OPTAM-ACO: Controlled Pricing Option

(*) 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 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 the Confort cover and €100 for the Tous Risques cover. Hearing aid package: limited to one hearing aid every four years for each ear. Single package regardless of the number of hearing aids.

The Minimale, Essentielle, Confort, and Tous Risques supplementary health insurance plans, the Health + Insurance Packs, the Tonic Études supplementary insurance plan, and the Tonic Études Packs are automatically renewed unless terminated by registered letter with acknowledgment of receipt two months before the annual renewal date in the first year of coverage. Once the first year of the contract has passed, the insured has the right to cancel without fees or penalties, in accordance with the mid-year cancellation provisions of the Hamon law.

Payment by direct debit: 2 to 5 monthly installments.

The Confort and Tous Risques supplementary health insurance plans comply with Articles L.871-1, R.871-1 and R.871-2 of the Social Security Code relating to “responsible contracts.” They do not cover surcharges related to non-compliance with the coordinated care pathway, the flat-rate contribution of €2 as of May 15, 2024, deductibles, or the non-reimbursable portion related to excess charges.

What should you do in the event of healthcare expenses?

Go directly to your Smerra personal account to track your reimbursements.

Insurance

SEM ASSUR: Insurance brokerage company with capital of €182,938, registered with ORIAS under number 07 028 998, RCS LYON 390 191 799, Head office: 43 rue Jaboulay 69007 Lyon. Financial guarantee and professional liability insurance in accordance with Articles L 512-6 and L 512-7 of the Insurance Code.

Insurance policies can be valid at your request from the day after you sign up. Home insurance, Indispensable and Sécurité insurance, as well as the Health + Insurance Pack, are automatically renewed unless terminated by registered letter with acknowledgment of receipt two months before the annual renewal date in the first year of subscription. Once the first year of the contract has passed, the insured has the right to terminate the contract during the year without incurring any fees or penalties.

Information relating to guarantees and “Student liability” insurance policies

(1) Individual Accident Insurance taken out with Groupe UITSEM SIREN no. 3330176413, a mutual insurance company subject to the provisions of Book II of the Mutual Insurance Code. 400% of the TRSS (social security contribution rate) up to the limit of the costs incurred and a maximum of €4,500 per event. Coverage is provided in accordance with regulations (conditions, exclusion rules, and obligations under the law of August 13, 2004) and the coordinated care pathway.

(2) Payment of the Solidarité Exam allowance or payment of a death benefit for Indispensable and Sécurité cover:

– applies in the event of accidental death (or hospitalization of the insured for Solidarité Exam) while practicing amateur sports outside of competition. The following sports are excluded: professional sports, water sports (diving beyond 40 m, canyoning, rafting, white water swimming), mountain sports practiced on rock faces, cliffs, frozen waterfalls or glaciers, skeleton, bobsleigh, snow sports practiced beyond the top of ski lifts and outside marked trails, speed skiing, combat sports, caving and paragliding, air, water or land sports requiring the use of motorized equipment, with the exception of introductory sessions supervised by a professional with the skills and qualifications required by the State, record attempts, exhibitions and bets. Any competition and related training. Jumping into the void, regardless of the means used for the fall or landing.

– Does not apply in the event of accidental death (or hospitalization of the insured for Solidarité exam) caused by intoxication or the use of narcotics or tranquilizers not medically prescribed, or by any of the following conditions or illnesses, unless they are the result of an accident covered by the policy: mental alienation, mental disorders, psychological disorders, personality disorders, mood disorders, psychosis, neurosis, stroke, epilepsy, Parkinson’s disease, cerebellar syndrome, degenerative neurological disorders, aneurysm rupture, ulcer, congestion, frostbite, or sunstroke.

Full hospitalization for a minimum of 5 consecutive days within a period of 30 days prior to the start date of the exams or during the exams. Coverage does not apply in the event of hospitalization related to spa treatment, maternity, termination of pregnancy, childbirth, or attempted suicide.

The death of the beneficiary’s father, mother, spouse (not divorced or legally separated), or child during the exam session or within 10 days prior to it.

The cover applies to all exams except thesis and dissertation defenses, competitive examinations, and continuous assessment. The insured must repeat the year, re-register for the same exams, and retake the same exam.

(3) Civil Liability: Contract No. FRBCHA11984. Taken out with the insurer Chubb European Group SE. Approved and supervised by the ACPR and registered under identification number 450 327 374 through Assur’Mix Courtier d’assurances, headquartered at 3 rue de Liège, 75009 Paris, France—insurance and reinsurance intermediary registered under ORIAS number 11062302.

(4) Assistance: Contract no. 7203633 taken out with Chubb Assistance.

(5) Digital risk insurance: Contract no. AB181013 taken out with Equité, a subsidiary of the Generali group, in partnership with S2C.

School insurance:

* Coverage is provided during school activities (including travel) and extracurricular activities. Full details of what is and is not covered can be found in the detailed presentations and related documents on smerra.fr or at Smerra agencies.

(1) Contract no. FR32021386 option B taken out with Chubb European Group Limited, in partnership with S2C, through SEM ASSUR.

Insurance policies can be valid on request from the day after enrollment.

What should you do in the event of a claim under your student life insurance?

Be sure to contact the insurers before taking any action and provide your policy number.

•  Student Insurance: report your claim directly in your personal Smerra account or at smerra.fr/declaration-sinistre-assurances.
• Personal liability insurance: report your claim at www.assurmix.fr/assurance-scolaire/declarer-accident-kids-assurance or contact the insurer directly by email at AHdeclaration@chubb.com, by phone at +33 (0)1 55 91 48 85, or by mail, mentioning your policy number, at the following address: Chubb European Group, Service Indemnisations Assurances de Personnes & Affinités, La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 92419 Courbevoie Cedex
• Assistance: contact Chubb Assistance on +33 (0)1 55 92 17 64.
• Digital risk insurance: report your claim by email to EQUITE-PJDeclarations@generali.fr

Home insurance

Home insurance policies are automatically renewed unless terminated by registered letter with acknowledgment of receipt two months before the main renewal date. Once the first year of the contract has passed, the insured party has the right to terminate the policy during the year without incurring any fees or penalties.

References to “home insurance” providers

(5) Home Insurance: “Ma Maison” AXA policy, general terms and conditions 970464J, taken out with LEOCARE.

LEOCARE, SAS WITH CAPITAL OF €2,544,620, whose registered office is located in Paris (75014) at 16, bis rue d’Odessa, registered with the Paris Trade and Companies Register under number 831 053 863 and registered with ORIAS as an insurance intermediary under number 17005975.

AXA France IARD – Insurance company registered in France and governed by the Insurance Code – SIREN: 722057460. Juridica, the subsidiary of AXA France S.A. specializing in legal protection insurance, with capital of €14,627,854.68 – 572079150 R.C.S. Versailles. Registered office: 1, place Victorien Sardou, 78160 Marly-le-Roi. Companies governed by the French Insurance Code.

INTER PARTNER ASSISTANCE, a public limited company under Belgian law with capital of €130,702,613, a non-life insurance company approved by the National Bank of Belgium (0487), registered in the Brussels Register of Legal Entities under number 415 591 055, with its registered office at 166 Avenue Louise – 1050 Ixelles – Brussels Capital – Belgium, acting through its French branch registered in the Nanterre Trade and Companies Register under number 316 139 500 and located at 6, rue André Gide 92320 Châtillon.

What should you do in the event of a claim – home insurance?

In the event of a claim, log in to the mobile app using the login details provided when you took out the policy to report the claim and track the progress of your case directly:

1. Request assistance directly from the app The customer reports their claim on the app (pre-opening of the claim).
2. The file must be complete and compliant in order for the claim to be processed.
3. The customer is guided through the procedure to follow and the documents to send to us.
4. They are informed of the progress and closure of the claim

Insurance abroad: Pack Europe and Pack Monde

Insurance abroad: Pack Europe Pack Monde contract no. 4.090.474 and information notice V12, taken out through the insurance broker SEM ASSUR with AIG. Coverage applies worldwide during travel EXCEPT for any travel through or to Cuba, Iran, Sudan, Syria, Crimea, North Korea, the Donetsk People’s Republic, or the Luhansk People’s Republic.

References to “international insurance” providers

AIG Europe SA, insurance company, registered in Luxembourg (RCS No. B 218806) with its registered office at 35 D Avenue J.F. Kennedy, L-1855, Luxembourg. French branch: Tour CB21 – 16 Place de l’Iris 92400 Courbevoie – RCS NANTERRE 838 136 463. The marketing of insurance contracts in France by the French branch of AIG Europe SA is subject to applicable French regulations, under the supervision of the Autorité de Contrôle Prudentiel et de Résolution (Prudential Control and Resolution Authority), 4 place de Budapest, CS 92459, 75436 Paris Cedex 09. https://acpr.banque-france.fr/.

Information relating to international insurance coverage

(1) Flat-rate contribution of €2 as of May 15, 2024, and deductibles to be deducted from the amount reimbursed by Social Security for care provided in France.

(2) Within the limits set out in the coverage table.

(3) Coverage is valid only for the duration of the stay abroad, limited to one claim per stay. Only students residing in mainland France are eligible to subscribe. The insured item(s) must be declared at the time of subscription and the purchase invoice must be attached. Contract No. 2.500.360, taken out with AIG and IPID.

(4) Modification – Cancellation: if you are unable to travel abroad as planned, you must inform us before the departure date indicated on the certificate in order to modify the departure date or cancel the trip and receive a full or partial refund of the premium. Similarly, if you return from abroad earlier than planned, you must notify us of the change in your return date before arriving in France in order to request a refund of the excess premium. 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.

What should you do in the event of a claim under international insurance policies?

You must contact AIG before taking any action, quoting your policy number.

Assistance claims must be reported to the AIG Assistance Center at +33 (1) 49 024 670.

Other claims must be reported at sinistres.fr@aig.com by sending proof of expenses.

Insurance for international students

Product references Pack en France Global:

Health and Civil Liability Coverage Pack en France Global: AIG, contract no. 4.091.304.

AIG Europe SA, insurance company, registered in Luxembourg (RCS no. B 218806) with its registered office at 35 D Avenue J.F. Kennedy, L-1855, Luxembourg.

French branch: Tour CB21 – 16 Place de l’Iris 92400 Courbevoie – RCS Nanterre 838 136 463.

The marketing of insurance contracts in France by the French branch of AIG Europe SA is subject to applicable French regulations, under the supervision of the Autorité de Contrôle Prudentiel et de Résolution (Prudential Control and Resolution Authority), 4 place de Budapest, CS 92459, 75436 Paris Cedex 09. https://acpr.banquefrance.fr/

Mondial Assistance – AWS France SAS – Simplified joint stock company with capital of €7,584,076.86 – Registered office: 7 rue Dora Maar, 93400 Saint Ouen – 490 381 753 00055 EEC VAT No.: FR09490381753.

What should you do in the event of a claim under the Pack en France Global policy?

All claims must be accompanied by proof of insurance.

• Hospitalization: contact AIG on 01 49 02 46 70.
• Non-hospitalization and civil liability: send the original receipts for healthcare expenses or the civil liability claim form to AIG, Départements Indemnisations / Assurances de Personnes, Tour CB 21, Place de l’Iris, 92040 Paris La Défense cedex.

Product references Pack en France Confort

Pack en France Confort – Supplementary Health and Personal Accident Insurance: UITSEM group, Mutuelle du livre II, 43 rue Jaboulay 69007 Lyon.

AssurMix Insurance Broker Head office 3 rue de Liège 75009 PARIS Insurance and reinsurance intermediary registered under ORIAS number 11062302

Chubb European Group SE (CEG) and Chubb Life Europe SE (CLE), companies governed by the French Insurance Code, with share capital of €896,176,662 (CEG) and €6,127,501 (CLE), whose registered office is located at La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 92400 Courbevoie, registered with the Nanterre Trade and Companies Register under numbers 450 327 374 (CEG) and 497 825 539 (CLE). Chubb European Group SE and Chubb Life Europe SE are subject to supervision by the French Prudential Supervision and Resolution Authority (ACPR) located at 4, Place de Budapest, CS 92459, 75436 Paris Cedex 09.

Chubb Assistance European Group SE. Approved and supervised by the ACPR and registered under identification number 450 327 374

(1) According to the conditions defined in Articles 18 and 19 of the Smerra mutual insurance regulations.

OPTAM or OPTAM-ACO: Controlled Pricing Option

(*) 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 the Confort cover and €100 for the Tous risques cover.

(16) 400% of the TRSS (social security contribution rate) up to the limit of the costs incurred and a maximum of €4,500 per event. Coverage is provided in accordance with regulations (conditions, exclusion rules, and obligations under the law of August 13, 2004) and the coordinated care pathway.

(17) Payment of a death or permanent disability benefit:

– applies in the event of accidental death (or hospitalization of the insured for Solidarité exam) while practicing as an amateur outside of competition. The following sports are excluded:

professional sports, water sports (diving beyond 40 m, canyoning, rafting, white water swimming), mountain sports practiced on rock faces, cliffs, frozen waterfalls or glaciers, skeleton, bobsleigh, snow sports practiced beyond the top of ski lifts and outside marked trails,

speed skiing, combat sports, caving and paragliding, air, water or land sports requiring the use of motorized equipment, with the exception of introductory sessions supervised by a professional with the skills and qualifications required by the State, record attempts, exhibitions and bets. Any competition and related training. Jumping into the void, regardless of the means used for the fall or landing.

– Does not apply in the event of accidental death caused by drunkenness or the use of narcotics or tranquilizers not medically prescribed, or by any of the following conditions or illnesses, unless it is the result of an accident covered by the insurance: mental alienation, mental disorders, psychological disorders, personality disorders, mood disorders, psychosis, neurosis, stroke, epilepsy, Parkinson’s disease, cerebellar syndrome, degenerative neurological disorders, aneurysm rupture, ulcer, congestion, frostbite, or sunstroke.

(18) Civil Liability: Contract No. FRBCHA11984 Taken out with the insurer Chubb European Group SE. Approved and supervised by the ACPR and registered under identification number 450 327 374 through Assur’Mix Insurance Broker Head office 3 rue de Liège 75009 PARIS Insurance and reinsurance intermediary registered under ORIAS number 11062302

(19) Assistance: Contract no. 7203633 taken out with Chubb Assistance.

(20) Individual Accident cover is taken out with GROUPE UITSEM, a company governed by the French Mutual Insurance Code.

What should you do in the event of a claim with the Pack en France confort policy?

• Personal accident insurance: report your claim on your Smerra personal account or at smerra.fr/declaration-sinistre-assurances
• Assistance: Chubb Assistance, call 01 55 92 17 64 in advance to activate your coverage, quoting your policy number: No. 7203633
• Personal Liability: report your claim online at https://www.assurmix.fr/assurance-scolaire/declarer-accident-kids-assurance or contact the insurer by email at AHdeclaration@chubb.com by phone: 01 55 91 48 85 or by mail, mentioning the contract number, to the following address: Chubb European Group, Service Indemnités Assurances de Personnes & Affinités, La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 92419 Courbevoie Cedex.