Why choose student health insurance abroad?

A student’s life is hectic, and we’re not just talking about classes, student jobs and the evenings that characterize busy weeks. The study period can also be conducive to travel: Erasmus semester to learn a language, working holiday visa or internship in a foreign country, the opportunities to leave France to see if the grass is greener elsewhere do not miss.

However, the recklessness of the youth may lead to some negligence in regard to certain essential formalities. This is especially the case with health. When you are a student and you rarely see the doctor, you can easily assume that it is completely random to invest in mutual health insurance to go abroad. And yet this is far from the case: Having a health problem, even trivial, when you are in another country can have significant consequences… Especially on your wallet. That is why it is important to be interested in the subject before they leave the territory, in order to benefit from optimal coverage. Here is everything you need to know about the subject, and tips for choosing the right study abroad health insurance.

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Why choose mutual health insurance abroad when you are a student?

In France, students are covered by health insurance, and the vast majority of them benefit from either their parents’ mutual insurance company or the students’ mutual insurance. When they go to the doctor, to access care or medicine, they can use their vital card and their mutual insurance certificate without any problems. But the situation is changing abroad! Once the area is vacated, the mutual insurance company generally no longer covers health-related expenses.

In Europe, it is possible to obtain the European Health Insurance Card, which is free and allows you to benefit from the reimbursement of certain medical services under certain conditions. However, as medical expenses are often more expensive abroad than in France, there is often a significant amount to be paid. And when you leave the borders of Europe, the bill to be paid in the event of a health problem falls on the student as a whole.

When talking about distant countries such as the USA, Canada, Australia, Mexico or Japan, medical costs can quickly skyrocket. Also, although no one wants to think about it, there is always a risk of getting sick or breaking a leg during vacation, a semester at the university or even an internship abroad. And in these kinds of situations it is better to be very well covered, otherwise a rewarding experience can very quickly turn into a nightmare!

As a result, taking out student health insurance abroad before you travel is an absolutely crucial investment. Whether you are traveling for a few days or weeks or staying there for several months, it is possible to find the right health insurance for a student by analyzing the different offers from specialized insurance companies.

How to choose the best student health insurance abroad?

As with any mutual, it is recommended to first multiply the quotes to find the one that best suits the situation. To do this, you can use the Le Parisien mutual insurance comparator: this solution is very practical, since by filling in a single form you have access to a list of results that specifically target your request. For a student, select the profession “student” in the form, and fill in the rest as accurately as possible.

Once the form has been validated, the results are available to you: they act as an estimate and announce the prices of the different offers. If any of them interest you, you can go to the dedicated site to find out more and subscribe to it without further delay if you wish. Pay attention to the details of the coverage offered as well as the duration of the insurance: it must indeed be clear and precise, but also adapted to the situation. The mutual, and its price, is necessarily different if, for example, it is a contract linked to a holiday or Erasmus.

>> Click here to compare health insurance and mutual health insurance

How much does international health insurance cost for students?

The cost of mutual insurance for a student traveling abroad may vary depending on the options chosen. It is estimated at around 30 euros per month for a standard proposal, that is, covering regular medical consultations and any associated medication.

If the student needs to be away for a longer period of time, it can be useful and reassuring to invest in a more complete formula that offers reimbursement of costs for hospitalization, but also reimbursement of costs for transportation home. If necessary, the student will be able to benefit from a customized service without having to pay thousands of euros. You should know that medical repatriation may be mandatory and that the process is particularly expensive. In addition, some mutuals also offer to cover the costs of allowing a parent to share the bed with their child in the event of hospitalization abroad.

In summary, it can be useful to take out mutual insurance that is slightly more comprehensive than the basic offer to ensure optimal protection for a student abroad. The choice of student health insurance can be adapted according to the distance traveled and the time spent on site, so as not to exceed the budget. In any case, the most important thing is to feel well protected.

The other important elements when you are a student and going abroad

Before you go abroad to study, work or simply treat yourself to a well-deserved holiday, it is useful to think about certain points that are particularly important.

The credit card: at a time when almost no one goes on holiday with cash, it is essential to ensure that your bank card is suitable for use in the country you are traveling to. The ideal is to contact your bank advisor to ask him the question and inform him about your trip. In addition, young people under 25 can take advantage of benefits linked to their bank card, including abroad.

Mobile subscription: beware of overconsumption! If you go to Europe, you benefit from roaming: your calls and texts are included in your package, and a lot of data is also available in the EU and in the overseas departments. Elsewhere, on the other hand, it is less secure. If necessary, subscribe to an appropriate option before you leave.

Your important documents: certificate of registration in your company, passport, various reservations… In addition to physically possessing these documents, it is useful to scan them or photograph them to keep a digital track of them if necessary. You can choose to send them to yourself via email or save them in a cloud service. This will come in handy if you lose the paper versions!

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