Choosing complementary health insurance can be a challenging task if you are unfamiliar with the French healthcare system. Indeed, the French Social Security system doesn’t provide full coverage for all your medical expenses so to ensure enhanced coverage, opting for complementary health insurance might be necessary.

First, Complementary Health Insurance (also called Mutual) requires having a Social Security number. So, you have to register with Social Security first (Feel Francais do it for you).
Then it has different levels of guarantees, with prices between 9,90€ and 49€ per month. Depending on your medical needs, you can choose the one that suits you best.

In this article, we provide you with information about our two partners HEYME and STUDCORP specialize for foreigners students, with English websites. You can compare the two companies and choose to subscribe to one.

These two companies also offer Private/Travel health insurance. Check this article to understand if you are concerned and how you can apply for one.

🏥 Why apply for complementary health insurance? 

🩺 Being 100% covered: with public health insurance, you will only be covered by 70% of doctors from sector 1.

🧑‍⚕️ In France, there are two types of doctors: sector 1 (who practice the price of the government) and sector 2 (practice their price).

Check beforehand the sector of your doctor. When you see a doctor from Sector 1 you will still have to pay 30%.

For example, a consultation with a generalist from sector 1 = €25 (price fixed by the government) so after a refund, you still have spent €7,5 (the 30% rest).

A consultation with a generalist from sector 2 = €50 so after a refund, you still have spent €32,5 (the 30% rest is based on the price from sector 1).

⛑ The cheapest complementary insurance refunds you 100% so the remaining part if you go to see a doctor from sector 1. Some offer refunds up to 130%, 150%… to cover a part of the fees of doctors from sector 2. The most covering options are the ones that offer refunds from 90 to 100% of the real price spent. 

Even if you go to see only doctors from sector 1, is still important to get a complementary because if you have a hospitalization the bill will be still expensive for you to pay: 108€/night for a shared room, €468/night for a private room, and €608 for surgery… And the hospital is refunded only at 70%.

Most French people pay complementary insurance for life. We suggest you subscribe to complementary health insurance to avoid issues. You are also covered for rapatriement, psychiatry care, an individual room at the hospital, and an ambulance.

What’s HEYME? 

HEYME is an insurance company that helps you by covering your healthcare and everyday life during your stay in France. It is a platform meant for students and young people that offers a wide variety of complementary insurance. Depending on your needs, they will guide you to find the one that is most suitable for you. 

The Heyme complementary insurance becomes effective only once you obtain your temporary social security number.

When applying and asked about having social security, respond “no” unless you already have your social security number, and then promptly send them your temporary number via email once received.

To avail of a 10% discount, use the code: FEEL-10.

If you have already purchased their private insurance, you have the option to benefit from another plan:

• €34.60/month (€31.14/month with our 10% discount) for a 90% refund on actual expenses incurred or 100% coverage for hospitalization.

Contact: [email protected] and indicate your phone number (including country code. For example, +34 for Spain) 

What’s STUDCORP? 

STUDCORP is an insurance company that provides offers adapted to the needs of the students.

The initial price of the complementary health insurance is €49/month, which reduces to €36/month once you provide them with your temporary social security number.

Once you have completed the payment, they will send you a certificate as proof of insurance, which you can submit to your visa center.

You do not need to be in France or have a French bank account to subscribe. Only your passport and a credit card are required for online payment.

It is essential to send STUDCORP your definitive or temporary social security number as soon as possible.

You won’t receive any mail from them, so you can provide your school address if you don’t have a French address yet.

Contact : [email protected]

+33 6 46 00 63 85

Phone: 00 33 602 648 596

Comparison table between HEYME and STUDCORP

It’s crucial to note that individuals planning hospitalization should subscribe to the insurance at least one month before their anticipated hospitalization date. Many plans, such as Heyme, impose a one-month waiting period for hospitalization, unless it’s due to an accident. This means that individuals cannot have an accident and subscribe to the insurance on the same day, so it’s essential to plan ahead and ensure coverage aligns with your healthcare needs.

Easier: get your insurance included in Feel Francais pack!

Feel Francais offers you private health insurance and mutual in its packs. We will book your appointment for you when you are sick and deal with your refund too!

Watch this video to discover more about our platform Feel Français: