Student health insurance: a crucial choice

Mutuelle étudiant
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With the start of the new academic year just around the corner, choosing the best mutuelle étudiante is one of the main concerns for many students. This complementary health insurance can prove invaluable in the event of small or large medical expenses throughout their studies. It is also an essential criterion for obtaining financial aid such as the CROUS scholarship. But how do you make the right choice from among the plethora of products on offer? Here’s some advice on how to decipher the coverage on offer and find the plan that best suits your needs.

The importance of health cover for students

Good health cover is essential for students, to avoid jeopardizing their academic success. Although social security covers a portion of medical expenses, there are many services that are not covered, some of which can be very costly without the right mutual insurance. Choosing the right mutuelle étudiante will help cover these extra expenses. Click here to discover the best health protection for your studies.

L'importance de la couverture santé pour les étudiants

Current health expenses

It’s important to take into account general practitioner and specialist consultations, as well as drug prescriptions, dental care, optical care and paramedical treatment. As young adults are particularly prone to myopia and high dental expenses, it’s wise to compare these aspects between the different mutual insurance offers.

Psychological support

The university years are often synonymous with stress and anxiety, with a potential impact on students’ academic success. The need for psychological follow-up is therefore far from negligible, and choosing a mutuelle that covers this type of care can be a valuable asset.

Compare offers to choose the right student health insurance plan

To find the health insurance plan that’s right for you, it’s a good idea to compare cover, prices and additional services, such as access to a network of partner healthcare professionals. You should also bear in mind that some mutual insurance companies offer special deals for students, particularly when it comes to reimbursing medical expenses linked to study-related needs.

Essential cover for students

  • Routine medical expenses: consultations with general practitioners or specialists, medical analyses, X-rays and various examinations;
  • Dental care: dental consultations, scaling, cavity treatment, crowns, extractions;
  • Optical care: corrective lenses, contact lenses, eye procedures such as refractive surgery;
  • Audioprosthetic care: hearing aids and reimbursement of hearing aids;
  • Hospitalization: private room fees, daily rate, practitioner’s fees for surgery.

Student mutual insurance rates

Take the time to compare the costs of the offers on the market to find the one that best suits your budget. There are many different types of cover at different prices. What’s more, don’t forget that some mutual insurance companies offer specific advantages for students: discounts at the start of each academic year, financial aid for those receiving a CROUS grant… Find out more and compare these advantages before making your choice.

Taking your personal situation into account when choosing a student health insurance plan

To choose the right student health insurance, you also need to take into account your personal situation and specific medical needs. For example, if you suffer from a chronic illness or require regular follow-up for a particular pathology, it’s important to choose a plan that covers your needs. Finally, remember to check that the mutuelle you choose is compatible with your higher education institution and any financial aid you may be eligible for. Some student mutual insurers also offer practical advice and support in areas specific to university life, such as housing.

Cancelling or changing your student mutual insurance company

If your contract no longer meets your expectations, or if you’ve found a more attractive offer, you can cancel it by following certain conditions specified in the contract. In addition, since the introduction of the Hamon law, a method known as “Tacite Reconduction” allows you to change your contract without waiting for the renewal anniversary date. Making the right choice in terms of student mutual insurance ensures that you are optimally covered throughout your studies, without significantly impacting your budget. So take the time to analyze the different offers to find the one that best meets your needs in terms of coverage and rates.

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