Health Insurance in France

French residents are covered for medical costs by the social security : sécurité sociale. To be eligible you need to be either  a student, or work under a French or European contract.

Eligible members

The social security is paid by any student in a French university or school (260 EUR), or directly withdrawn on the salary of employees under a French contract. Depending on your status, the institute to register will be : LMDE (students), SMENO (students), or CPAM (employees). See table for more information.

If you are neither a student registered in France/EU, or under a French/EU work contract, you will usually need to get your own private insurance to cover medical costs in France.

Registration

Depending on your status (see table below), you will need to provide either CPAM, LMDE or SMENO with the following documents:

- passport,

- visa, residence permit,

- birth certificate including an official translation (compulsory), sometimes including the stamp from the Embassy or country. For Japan : http://www.mofa.go.jp/ca/cs/page22e_000416.html

The Japanese embassy in France does not deliver this document. It has to be requested to MOFA.

- work contract, or registration to University,

- proof of residence (electricity, water bill, rental contract, phone bill...)

You are... Eligible to French social security Centre to apply
Contact

A master's or PhD student registered in a French University and under 28 Years old

YES

When registering at the University you will be required to choose between 2 centres : LMDE or SMENO. They are equivalent.


 

LMDE

http://www.lmde.com/etudiants-etrangers/foreign-students.html

SMENO

https://www.smeno.com/foreign-student.html
A master's or Phd student  registered in a French University above 28 Years old, and under a work contract with the laboratory YES Caisse Primaire d'Assurance Maladie (CPAM) du Nord

Caisse Primaire d'Assurance Maladie (CPAM) du Nord

Request an appointment and register at CPAM in Lille:

http://www.cpam-entreprises.org/Planac/

2 rue d'Iena, Lille. Wazemmes Metro station

More information: http://www.ameli.fr 
A researcher under a work contract with a French employer YES Caisse Primaire d'Assurance Maladie (CPAM) du Nord

Caisse Primaire d'Assurance Maladie (CPAM) du Nord

Request an appointment and register at CPAM in Lille:

http://www.cpam-entreprises.org/Planac/

2 rue d'Iena, Lille. Wazemmes Metro station

More information: http://www.ameli.fr 
A Professor, researcher, or student, employed by UTokyo or japanese employer NO

If you are coming for a short stay, register in a private insurance before coming to France.

If you are residing in France for a long term, you can be eligible to social security in some cases

Private insurance

CPAM for long stays : eligibility to be checked

A Professor or researcher from an employer in the EU YES

For short stays, you are still eligible to social security in your country and get reimbursed there for costs incurred in France. Request the European health insurance card before leaving.

For long stays, you can register to the social security in France at CPAM, by providing the E 104 transfer form requested in your country.

Social security centre in the origin country in the EU 

Medical costs payment

The social security covers 70 to 90% of medical costs. Upon registering you will received a social security number and a card called carte vitale. At the doctor's or hospital, you will pay and present the card for a fast reimbursement on your bank account. If you don't have the card, you can pay and get a certificate, which you will send to your social security centre for reimbursement.

Top-up Insurance

French people usually subscribe to an extra insurance to cover the extra 10 to 30% of costs. This insurance, called mutuelle, can be subscribed in many specialized companies. For students: LMDE or SMENO have plans for students or young professionals. CNRS has special agreements with MGEN. Many other companies are also available. Some of them also cover medical costs abroad.

 

 

 

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