nsurance for students abroad is highly recommended to cover medical expenses and repatriation in case of accident or sudden illness while abroad. Some additional coverage is also useful, such as luggage insurance, civil liability, and study interruption insurance.
In order to choose a long term travel insurance, you need to gather several criteria: the price, the type of coverage (at the first euro or in addition to the social security), the fact of having an application allowing remote consultations with a French doctor 24 hours a day, the simplicity concerning the automation of the reimbursements etc…
“My daughter is going to the United States for a year as a student. Is an insurance mandatory?”
Insurance is not mandatory for students abroad.
However, universities may require you to take out an insurance policy with a minimum level of coverage.
In addition, it is strongly advised to be well covered because the United States is the most expensive country in the world in terms of health. For example, a simple consultation costs an average of 170 €.
“My son will be going to Australia for a year for a language course. How much can it cost to cover him there?
The price of travel insurance can vary depending on the length of the stay and the country of destination.
In fact, the most expensive areas are the USA, Canada, Switzerland, Japan, Australia and New Zealand, China, Mexico, Singapore, South Africa and Brazil.
Insurance for these countries can cost between 400 and 800 € for a 12-month stay, depending on the insurance and the options or packages chosen.
“If my son is infected by COVID abroad, will he be covered? Will we be reimbursed for the PCR test?
Most insurances consider COVID as a “normal” pathology and therefore there is no exclusion for epidemic.
Your son will be covered for medical and hospital expenses. Also, prescription PCR, antigenic and serological tests are covered by most insurers.
“Can I subscribe as a student if I am already abroad?
It depends on the insurer.
As a general rule, you can always take out a policy, but there is a waiting period when you take out the policy.
However, if you are already covered by a student insurance policy abroad, then it is possible to extend it without this waiting period.
“I am going to several European countries for 6 months. How does this work with social security?”
Social security works abroad for countries that have an agreement with France.
However, reimbursement is not automatic because it is evaluated on a case-by-case basis. Reimbursement times are quite long.
If you are going to Europe, you must have your European Health Insurance Card. This card reimburses on the basis of the social security system. The rest of the expenses are not taken into account by the social security nor by the mutual insurance company. Moreover, the social security coverage is only valid for 3 months, except in certain specific cases (secondment by the employer for example).
Also, no repatriation assistance is offered and care provided in the private sector is not covered.
Be careful because if you have to go to the United Kingdom, it is now recommended to take out travel insurance.
“What is the first euro coverage?
A first euro contract is the full coverage without the intervention of a complementary insurance and without deductible. It intervenes immediately. You are covered from the first euro. This is the type of coverage that we recommend if you wish to take out travel insurance abroad