Studying in France, do you know about French medical insurance?

In Europe, the high medical expenses make many international students feel scared, as if seeing a doctor is equivalent to going bankrupt once. In fact, medical insurance in many European countries is quite sound, and most of the expenses can be reimbursed, so even if you get sick, it is not as terrible as you think, and so is France. I'll take you to medical insurance today for a penny.

There are two kinds of medical insurance in France. The first is the basic main insurance, namely social medical insurance (Sécurité Sociale), which is compulsory and can be reimbursed up to 70%. People living in France must apply, and international students are no exception. The second type is additional supplementary secondary insurance, that is, supplementary medical insurance (Mutuelle), which is purchased voluntarily and completely or partially covers the remaining expenses after reimbursement of social medical insurance.

Main insurance-student social insurance

As the basic medical insurance, "main insurance" is compulsory for everyone. For international students, it is student social medical insurance (La Sécurité Sociale? Insurance covers most medical services needed in daily life, including prescription, general outpatient service, general hospitalization and so on. And get up to 70% reimbursement. According to the current regulations, the student social insurance is valid from June 10 to September 30th of the following year.

What kind of international students are suitable to participate in student social medical insurance? According to regulations, the following three conditions must be met at the same time:

1) You are a student of a higher education institution recognized by social security.

2) You are under the age of 28, but this age limit can be extended in a few cases.

3) A valid residence permit and a certified French birth certificate can be provided.

How to buy insurance

In France, students' social medical insurance is usually directly included in the school registration fee and does not need to be delivered separately. When students register at school, they will be asked to choose a special student social security center to register, and then the school will handle social insurance for you. Social insurance fees for students are unified nationwide. According to the fee standard of 20 15-20 16, the annual fee is 2 15 euros.

how to use

The day after signing the formal insurance contract, the insurance will take effect, and the contract will be changed every year thereafter. At the beginning, when there was no social security card (Vitaleka, also called "green card"), you could go to hospitals and pharmacies to enjoy medical services with the attitude d' adhé rence issued by insurance companies. Carter Vitale's application process is very complicated, and it often takes a long time to reach you. This card contains basic personal information. In any medical institution, as long as you show this card, the staff will clearly know your participation and personal information through the computer.

When there is no Vitale, you need to pay your own medical expenses first, and then mail the relevant materials to the insurance company for reimbursement; With Cat Vitale, you usually pay only what you can't reimburse. The specific situation depends on the regulations of various insurance companies.

Selection of insurance institutions

There are basically two types of insurance companies to provide social insurance for college students: local, provincial and national center LMDE(La Mutuelle Des? tudiants)、MEP(Mutuelle？ Tudiante en Provence), or SME * * (the last two letters are different in different regions, such as SMEREP in Paris) and so on. MEP is concentrated in the south, such as avignon, Marseille, Nice and so on.

According to the different enrollment methods of colleges and universities, the ways to choose social security centers are also different:

1. If your school or college adopts special registration documents (such as IUT), you can tick the options below the price list as your social insurance center, such as:

Choix du center payer

SMEREP？ LMDE

2. If your school or college adopts a special student social medical insurance registration form, you can fill in your social insurance center in the social selection section of local security university.

If you register online, you can choose your student social insurance center equally conveniently.

physician-in-charge

Many people will wonder why their social security is less reimbursed than others. Actually, it has a lot to do with whether you have an attending doctor. In France, in order to avoid medical waste, everyone needs to have their own doctor in charge of basic medical care and treatment. They provide comprehensive physical examination and diagnosis, and recommend a specialist to patients when they encounter unsolvable problems. In France, 99.5% people choose such a general practitioner (Médecin Généraliste) as their attending doctor.

70% of medical expenses can only be reimbursed after you appoint your own attending doctor, so it is strongly recommended that you choose a general practitioner as your attending doctor. For students, you can find someone around you to recommend them, or consult a nearby pharmacy (Pharmacie), or check online (recommended website: http://ameli-direct.ameli.fr/).

Secondary insurance-supplementary insurance

In addition to the basic social insurance that must be purchased, there is also voluntary supplementary insurance (Mutuelle), which will bear the remaining 30% of medical expenses after 70% of the basic social insurance is reimbursed. Supplementary insurance covers many medical fields besides the main insurance, such as glasses, dental consultation, consulting some specialist clinics and special operations. And the reimbursement rate is very high, sometimes even exceeding 100%. In fact, in France, most French people have supplementary insurance. If social insurance is the embodiment of high welfare society in France, then supplementary insurance is the embodiment of high quality of life in France. The following will briefly introduce supplementary insurance with LMDE and SMEREP in Paris as examples.

LMDE

There are three commonly used Mutuelle in LMDE, namely "Soins Courants", "Tous Soins" and "Forfaits".

1.Soins Courants: All the basic daily medical needs, such as seeing a doctor and prescribing medicines, are reimbursed by 100%, but only 70% are reimbursed for dental and ophthalmic visits.

Toussoins: It includes all the functions in Soins Courants. If social insurance cannot be reimbursed, Tous Soins will be reimbursed 100%. For example, ophthalmology and dentistry can be fully reimbursed. In addition, many students can enjoy the refund of special preventive measures, such as contraceptives, pregnancy tests, vaccination and help to quit smoking.

3. Forfeite: In addition to the functions of the first two kinds of secondary insurance, it also includes other items that can be reimbursed, such as glasses (including contact lenses), orthodontics, and newborn birth. The reimbursement rate of some projects even exceeds 100%.

SMEREP

SMEREP's Mutuelle business mainly includes three types.

1. indispensable SMEREP: the most basic secondary insurance, similar to the Soins Courants of LMDE.

2.Mediane SMEREP: equivalent to Tous Soins of LMDE, ophthalmology and dentistry reimbursement 100%.

3. Total SMEREP: Similarly, this is the Forfeit of LMDE, which can be said to be the most comprehensive secondary insurance. The reimbursement rate for many projects is 150%.

In short, the cost of reinsurance depends on the selected insurance field and reimbursement scope, and the pricing of each insurance company will be different. The monthly cost may be more than ten euros, or several tens of euros, and you can choose according to your own needs.

Insurance purchase under special circumstances

In addition to the basic purchase of the above-mentioned first-class insurance and second-class insurance, according to everyone's actual situation, some special circumstances will have different pricing or purchase methods, you can contact the school or insurance company to confirm.

1. If you get a scholarship from the French government, you don't need to pay the social medical insurance of that year, and it will be automatically included in the social insurance scope.

2. If you study in France for less than three months, such as short-term exchange, you can choose to join French social insurance, but it is not mandatory. If you already have social insurance in China, but you bought French social insurance, you can apply for a refund of the paid fees.

3. If you are a paying student: this premise does not consider nationality. As long as you work at least 60 hours a month or at least 120 hours a quarter throughout the school year, you will be excluded from the scope of student social insurance and downgraded to general insurance.

4. If you are over 28 years old while studying in France, and you are not a citizen of an EU country: before the end of the school year when you are 28 years old, the student medical insurance you bought is still in the file, and the refund is still valid. After the end of the school year, even if you are still a student with a small income, you can no longer enjoy student insurance. You need to contact the social insurance center where you live, and they will take over your file. Of course, you can also choose to buy insurance from private enterprises.

In addition, if your income is not high, you can apply for universal health insurance, such as CMU. To apply for universal medical insurance, you need to apply to the CPAM medical insurance center where you live. The specific location can be found online. The application steps are as follows:

1. Fill in the medical insurance application form. The application form * * * consists of 2 pages, and the information to be filled in 1 page is shown in the figure below. 2. Prepare various supporting documents. The second page of the application form is a list of supporting documents that the applicant needs to provide. File types are complex and need to be prepared patiently.

3. Submit the application form and required documents to the medical insurance center where you live. Your residence or administrative address will determine whether you need to mail materials or submit them directly to the medical insurance bureau.

If you meet all the requirements, your application will take effect from the date of submission. Medical insurance bureau will give you the insurance certificate and Vitale. If you already have a medical insurance card, you can apply for renewal. Note that disabled students and students who drop out of school due to physical reasons are not covered by this insurance.

Medical common sense

Finally, I will tell you some French medical knowledge, and you don't have to panic if you are sick!

Hospitals and clinics

There are several different types of medical institutions in France, such as public hospitals, private clinics and ordinary private clinics. The difference between them lies not in the quality of medical care, but in the reimbursement ratio of medical expenses.

Every public hospital has an emergency department that is open day and night. In public hospitals, the self-care part (ticket Modérateur) that is not reimbursed by social medical insurance institutions must be paid by themselves. If you are hospitalized, both public hospitals and private clinics have to pay a certain amount of accommodation fees. Only when you are insured with supplementary medical insurance can you be reimbursed by supplementary medical insurance companies.

In France, if you go to the dentist or get glasses, if you don't have supplementary medical insurance, the reimbursement level of ordinary social medical insurance institutions will be lower. However, in the affiliated health centers of universities or medical schools with dentistry and ophthalmology, fresh graduates of related majors can provide free treatment under the supervision of doctors. The list of free compulsory vaccination and prevention centers can be obtained from the municipal government where you live.

pharmacy

In France, all drugs that need a doctor's prescription to be sold are monopolized by pharmacies. The green cross sign of pharmacies is eye-catching, and the business hours are different. There are fewer pharmacies open on 7/24. But every street generally has a pharmacy on duty in case of emergency. All licensed pharmacists must hold relevant professional diplomas and register with the National Association of Pharmacists. Therefore, pharmacists are capable and qualified to provide pharmaceutical advice.

Doctor's prescription and medical record certificate

Prescription is a drug prescription or test certificate issued by a doctor, which must be presented when going to the pharmacy for dispensing or testing.

Feuille de Soins is a voucher for medical expenses such as medical treatment, dispensing and examination. When applying for reimbursement to social medical insurance institutions, medical records and copies of prescriptions must be sent.

Emergency and night duty

If you need to be treated in a car accident, heart disease, premature delivery and other emergencies in France, you need to go to the emergency department for medical treatment. In order to ensure medical emergency services, doctors and pharmacists are on duty all over France. The list of doctors and pharmacists on duty can be found in pharmacies or in the service column of local newspapers.

Generally speaking, the French medical system is very different from that of China. For example, hospitals in France don't sell medicines, and hospital pharmacies are only responsible for the treatment of patients during hospitalization. Doctors have to go to the pharmacy to buy medicines themselves after prescribing; For example, some cases of emergency treatment and infusion can be seen in China, such as sudden high fever. In France, even if you call an emergency doctor (SOS Médecin) at home, you will only prescribe medicine and ask for a good rest, not infusion to reduce the fever. Therefore, it is very recommended that you ask the insurance company about the basic handling methods of special circumstances when you buy insurance, in case of emergency.

No matter where you are, health and safety will always come first. Please remember the following emergency telephone numbers, which can be used immediately in case of emergency in France:

1. Sam: 15

2.24 hours online, SOS me decin):3624.

3. European universal emergency telephone number: 1 12

France is a local information blogger in France who is good at buying in buy buy. From daily life to boutique niche, he is not afraid to eat dirt, just want to get value for money. ID:francepromo