Welcome Desk – Insurances

This section provides essential information about insurance and mandatory steps to complete before and after your arrival in France.

Insurances and Healthcare Coverage

🛡️ Personal Liability :

The aim of a Personal Liability Insurance (“Assurance Responsabilité Civile”) is to cover the financial consequences of personal injuries, and material or financial damage you may cause to others (and not to yourself). While this insurance is not mandatory, it is strongly recommended.

Personal Liability Insurance is generally included in a Supplementary Health Insurance policy and in Accommodation Insurance.

You must take out an : Liability Insurance

🏠 Home Insurance

Comprehensive home insurance ("Assurance habitation") covers expenses for fire, theft, water, etc., as well as damage you may cause to your neighbors’.

You must take out an : home insurance policy

✈️ Travel Insurance:

When petitioning for a long-stay visa, it is not required to enroll in travel insurance. If you come to France for more than 3 months, you will benefit from the “Sécurité Sociale” for your medical expenses.

However, it is highly recommended to enroll in travel insurance in the following situations:

• You will arrive in France before your registration in higher education is official and definitive. In that case, you will not be covered by the National French Healthcare until you have not obtained the student status.
• You are unable to pay in advance for your medical expenses while your registration with the “Sécurité Sociale” is being processed (usually registration can take a minimum of 3 months).
• You need repatriation insurance to your home country (highly recommended). Repatriation fees after an accident or an illness can be very expensive.

🇪🇺 European students (EU27 + Swiss + Norway + Iceland + Liechtenstein):

You are not required to enroll in the French National Healthcare IF you have a European Health Insurance Card (EHIC). The EHIC must be valid until the end of your stay. During your stay in France, your EHIC will allow you to get your healthcare expenses reimbursed under the same conditions as if you were in your country. You should obtain your EHIC in your home country prior to your arrival in France. European students who do not hold an EHIC must apply for the French National Healthcare (Sécurité Sociale) like other international students.

⇒ Watch the tutorial video is available for more information.

💊 Supplemental Health Insurance “Mutuelle”:

To be fully reimbursed for medical expenses, you can purchase a supplemental health insurance policy known as “Mutuelle”. Supplemental health insurance is not mandatory but highly recommended. If you are interested, you can check the websites of our partner service providers:
HeyMe and SMENO.