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THE DOCTORAL INSTITUTE

Health insuranceHow to make sure your healthcare costs are covered ?

Irrespective of your nationality, healthcare cover is triggered when you become affiliated to the French student social security or general social security scheme, or when you subscribe to voluntary personal insurance in accordance with applicable social security legislation.

You will become affiliated to the French social security system when you register at UPMC, either on payment of a flat-rate annual contribution to the student scheme or on signing your contract of employment with the institution or public authority employing you, as applicable.

The Doctoral information and registration office will calculate your social security and other entitlements when you make your registration payment.

ATTENTION: Under French social security regulations, a “care pathway” must be followed for all medical treatment. This means that you have to provide the name of your regular doctor (general practitioner). Otherwise your various medical expenses will be considered to be “outside the care pathway”, and the amount reimbursed under the Social Security scheme will be reduced.

The form for declaring the name of your regular doctor (general practitioner) can be found on the following web page:

https://www.formulaires.modernisation.gouv.fr/gf/cerfa_12485.do (form in french only)

 

The French Social Security scheme reimburses a percentage of your healthcare costs in accordance with its scale of rates, but does not cover 100% of all expenses, in particular dental and pharmacy charges.

It is therefore advisable to supplement the cover provided under the social security scheme by taking out additional healthcare insurance with a mutual company, insurance company or provident institution, in order to cover most if not all of your healthcare expenses. 

  1. Student mutual insurance companies
  2. Mutual companies and the general social security scheme
  3. Students over age 28

Student mutual insurance companies

There are two student mutual insurance companies in France: LMDE and SMEREP.

Both have branch offices close to the sites of the Université Pierre et Marie Curie and the Doctoral Training institute:

  • La Mutuelle des étudiants (LMDE) 
    - 410 rue Linné, 75005 Paris. Opening hours: 9.30 a.m. to 6 p.m. Monday to Thursday, 9.30 a.m. to 1 p.m. Friday. Metro: Jussieu
    - 46 rue des Fossés Saint-Jacques, 75005 Paris. Opening hours: 9.30 a.m. to 6 p.m. Monday to Thursday, 9.30 a.m. to 1 p.m. Friday. Public transport: Luxembourg (RER train line B)


La Société Mutualiste des Etudiants de la Région Parisienne (SMEREP) 
- 54 boulevard Saint Michel, 75005 PARIS 
 Opening hours: 9 a.m. to 6 p.m. Monday to Thursday, 9 a.m. to 5.30 p.m. Friday

Mutual companies and the general social security scheme

If you have an employment contract covering the academic year (from October 1st to September 30th), and you perform at least 60 hours of paid work per month, or at least 120 hours per university term, you are considered to be an employee, and you are therefore affiliated to the general social security scheme.

Insurance companies, mutual companies (including student mutual companies) and banks offer top-up health insurance, to ensure cover in addition to that provided under the social security scheme. 

Students over age 28

If you do not benefit from the age limit extension from 28 to 32 years, affiliation to the French Social Security scheme is not mandatory.

Nevertheless, given the costs of healthcare, it is recommended that you take out voluntary personal insurance (healthcare cover plus healthcare top-up package).

30/08/17

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