With their baccalaureate in hand, many high school graduates will leave their nest after the summer to begin their university studies. This new life is also accompanied by administrative procedures which may have been foreign to them until now … Membership of complementary health insurance is one of them. Is taking out this type of contract really necessary for students? We tell you everything.
Do you need complementary health insurance when you are a student?
Regardless of their studies, young people aged between 18 and 25 are still considered dependent on their parents if they are still attached to their tax household, if they live under the same roof or if they receive a payment from them. alimony (subject to tax deduction). These students can thus continue to benefit from their parents’ mutual health insurance, without having to worry about the enrollment procedures. Students, who do not meet the conditions mentioned, will no longer be able to depend on their complementary health insurance …
How to find a contract adapted to your needs and your situation? In addition to the stands of insurance companies that we see blooming at the start of the school year on campus, sites such as lecomparateurassurance.com allow students to sort through the different insurers on the market, to study the guarantees and levels. of reimbursements offered, and to compare the rates between them as well as possible.
Why is it wise to subscribe to complementary student health insurance?
No, taking out health insurance is no longer compulsory when you are a student, and yet it is strongly recommended. And for good reason, the Health Insurance does not cover all health-related expenses. This is where the mutual insurance company comes in: the latter will reimburse or advance the remaining sums.
Hospitalization, drugs, medical devices, excess fees, specific care (physiotherapist, nurse, etc.); some health costs can be particularly high. The remainder of the charge is thus difficult to bear for students with no or very low income. Hence the interest in having coverage that covers this type of additional expense, to remain covered in case of need.
Students being young by nature, and therefore considered by insurers to be less inclined to fall ill than older people, can benefit from a mutual fund at an advantageous rate. Certain contracts specifically intended for students indeed offer health coverage at very low prices.
If the cost of a student health insurance is still difficult to bear, the State finally offers a device called “Complémentaire Santé Solidaire” (CSS), intended for the most modest incomes. Depending on the admission criteria and your level of resources, this solidarity mutual may be completely free. To benefit from it, an individual request will have to be made, to then be examined.
This content was produced in partnership with lecomparateurassurance.com. The editorial staff of BFMTV did not participate in the production of this content.
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