Do you already have health insurance? Supplement it!

The Smerra student supplemental insurance complements your mutual health insurance: it adds an extra layer of reimbursement for expenses that are not covered by Social Security or your standard mutual insurance.

Even if you remain affiliated with your parents’ health insurance, taking out supplementary student insurance can be very useful: it allows you to be reimbursed for expenses specific to your student life, such as fruit and vegetables, alternative medicine (osteopathy, acupuncture, dietetics, chiropractic), hygiene products, condoms, or even a taxi to get home safely after a night out.

Glasses and dental care remain covered by your main health insurance. However, Tonic Études offers a contact lens allowance of up to €50/year to help lighten your optical budget.

In short: Tonic Études supplemental insurance is your little extra health and wellness that complements your health insurance, even if you are already covered elsewhere.

Because your health insurance (even your parents’) doesn’t cover everything and isn’t always suited to your needs as a student.

The Tonic Études supplemental insurance adds student health coverage that’s useful every day:

• Alternative medicine: osteopathy, acupuncture, dietetics, chiropractic.
• Prevention & pharmacy: sanitary protection, condoms, pregnancy tests, over-the-counter medication.
• Well-being budget: fruit & vegetables reimbursed.
• Safety: night taxi reimbursed from 10 p.m. to 6 a.m.

Supplementary student insurance allows you to be reimbursed for your student life without changing your health insurance!

Yes, the Tonic Études supplementary student insurance covers your consultations for alternative medicine: osteopathy, acupuncture, dietetics, and chiropractic care. This means you can get reimbursed for part of your osteopathy consultations to relieve stress or take care of your health.

A word of advice: for chiropractic, choose a practitioner who is IFEC-certified and approved by the Ministry of Health to ensure that your consultation is eligible for reimbursement.

The Tonic Études student supplemental insurance is the only supplemental insurance that reimburses you for your taxi fare to get home safely after a night out and for your fruit and vegetables (so you can take care of your health and maintain a good diet).

And that’s not all: it also covers expenses that are often overlooked by traditional mutual insurance companies, such as alternative medicine (osteopathy, acupuncture, dietetics, chiropractic), hygiene products, condoms, pregnancy tests and over-the-counter medication.

To receive your Tonic Études reimbursements, simply submit a paid invoice in your name (in your name and already paid).

• For the fruit and vegetable package, a simple receipt is sufficient.
• For night taxi reimbursements, send a dated invoice showing a journey made between 10 p.m. and 6 a.m.

You can then submit your supporting documents directly in your personal account for fast processing of your health, wellness, and prevention reimbursements included in your Tonic Études student supplemental insurance.

Yes, the Tonic Études supplemental insurance plan reimburses reusable sanitary products (menstrual underwear, menstrual cups, washable pads, etc.) and single-use sanitary products (tampons, pads) upon presentation of a paid invoice in your name.

Yes, condoms and pregnancy tests are covered by the Tonic Études student supplemental insurance plan. All you need to do is submit a paid invoice in your name to receive reimbursement.

Please note: both male AND female condoms are covered!

Yes, our student supplemental insurance reimburses contraceptives not covered by social security: 3rd and 4th generation pills. You will need to provide a paid invoice in your name.

Tonic Études also allows you to be reimbursed for your contraceptive ring!

For just €50 per year, it gives you access to over €355 in reimbursements on real-life student expenses: an osteopathy session, a box of condoms, sanitary products, fruit and vegetables, everyday medicines, or even a taxi to get home safely after a night out. After just two purchases, your supplemental insurance will have paid for itself, and for the rest of the year you will benefit from additional reimbursements for your healthcare (within the limits of the coverage and flat rates specified in the coverage table).