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Which student health insurance plan should you choose?
Student health insurance is designed to help students cover healthcare costs that aren't fully reimbursed by the public healthcare system. It provides additional cover for a wide range of medical expenses, including GP appointments, prescription medication, hospital treatment, dental care and eye care. Many student-focused plans also include extra benefits tailored to student life, such as preventive healthcare support, mental health services and online doctor consultations.
What are the benefits of student health insurance?
1. Lower out-of-pocket healthcare costs
Public health coverage does not always reimburse the full cost of medical treatment. A student health insurance plan helps cover the remaining expenses, reducing the amount you need to pay yourself.
2. Better access to healthcare services
With additional health cover, you can benefit from higher reimbursement levels for services that are often costly, such as dental treatment, orthodontics, prescription eyewear and specialist care.
3. Preventive health and wellbeing support
Many student health insurance providers offer wellbeing services and preventive care benefits, including health screenings, nutritional advice and access to mental health professionals.
4. Financial protection during hospital stays
Depending on the level of cover selected, student health insurance can help pay for hospital-related expenses, protecting you from unexpected costs that could put pressure on your budget.
5. Peace of mind when the unexpected happens
Illnesses and accidents can occur at any time. Having the right health insurance in place gives you financial security and ensures you can access the care you need without worrying about the cost.
6. Meeting university or school requirements
Some higher education institutions may require students to hold valid health insurance as part of their enrolment process or to access certain services, support programmes or student benefits.
How to choose the right student health insurance plan
There are many student health insurance options available in France, with monthly premiums typically ranging from around €5 to €45 depending on the level of cover and included benefits. Online comparison websites can help you evaluate different providers and find the most suitable policy for your needs.
Before choosing a plan, consider the following factors:
- Level of medical cover – What treatments are included and what percentage of costs will be reimbursed?
- Monthly premium – Is the policy affordable within your student budget?
- Additional benefits – Does it include mental health support, counselling, alternative therapies or wellbeing services?
- Healthcare provider networks – Are there preferred doctors, dentists or specialists offering reduced rates?
- Claims and reimbursement times – How quickly are medical expenses refunded?
- Digital services – Is there an online portal or mobile app for managing claims and appointments?
- Customer reviews and reputation – What do other students say about the insurer's service and reliability?
