You are a student: affiliation to social security

If you are a student here is a panorama of the different modalities of social security affiliation.

Up to your 20 years:

You are attached to the scheme of social security for your parents. You are then entitled to refunds in case of sickness or maternity. If your curriculum is delayed for medical reasons, you can benefit from the scheme of your parents until your 21st birthday.

Your medical expenses reimbursed so either on the bank account or post your parents either on your own account provided they have made from your sickness insurance fund.

From 16 years, you have a vital card whose social security number matches that of your parents. In class Terminal, you will get your own social security number. It will let you track your payments throughout your professional life.

You have 20 years during the academic year, you are necessarily affiliated with the student regime. In this case, you must subscribe to one of the two major unions mutual, a contract. If you are stock, registration is then free on presentation of your notification of scholarship.

You do graduate and you have less than 28 years old:

You benefit from the student social security scheme. Depending on your - situation (age, employment...), the terms of support may change.

As soon as your registration (University, colleges, IUT, BTS, preparatory classes for the high school), you must sign a contract with a student mutual. You do right to health coverage and coverage maternity during the duration of your studies as appropriate. You get also a work accident and occupational diseases insurance.

The student mutual manage the "mandatory" part of the social security system but also the "complementary" part of your welfare as a classical mutual. This additional coverage is optional. It allows you to obtain refunds higher than the rates of social security.

Your membership of the student applies each year from 1 October to 30 September of the following year. It is mandatory and pay unless you stock. In all cases, your spouse, child, partner, partner of a PACS can benefit from refunds in the same way as you but on condition that he or she is not student. We then say that they are the copyright holders.

What is an entitlement? This is a person who enjoys under certain conditions of social insurance through another person (partner, joint separated but not divorced, child, dependent living with the insured for more than 1 year).

If you are a student abroad:

• national of a country of the European Union and have sickness insurance: you are exempt from membership of the student,
• Third-country national: you must register to the student social security.

You have over 28 years

If you are 28 years old during the academic year, you can receive one year of your rights to health insurance under the student scheme. After that, you must contact your health insurance fund.

If you are preparing a PhD, you can get a supplementary report for a term of four years, until your 32 years.

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Health insurance will reimburse you... Yes, but not everything!

When you are insured, you get the reimbursement of your medical expenses. This rebate is done in the context of the coordinated care course. This regulatory framework requires you to choose a physician who will be your contact person for most conventional medical procedures. If you want to see a specialist, you must first consult your doctor - except for gynecologists, ophthalmologists, psychiatrists, pediatricians, radiologists, dentists, which are open access.

In this case, you will be refunded normally, according to the usual fees in force, i.e. 70% of the basic rate, less 1 euro in respect of the flat-rate participation. The supplementary part is possibly supported by your mutual.

If you are out of the way of (not) coordinated care, you will be refunded 50% of the basic rate, less 1 euro flat-rate participation.

Health expenditures for the purchase of medicines are reimbursed in whole or in part of their cost. Each type of medicine is a different refund rate:

·       the crossed white vignette: expensive drugs. They are reimbursed at 100%,

·       the white sticker: common medications. The reimbursement is made to 65%

·       the blue sticker: homeopathy, drugs says 'comfort '. Health insurance shall reimburse them to 30%,

·       the orange sticker: drugs called "low medical service. The rate of reimbursement by the health insurance is 15%.

For all your medical expenses, use your vital card. It allows you to do not advance the part supported by insurance. It is convenient and economical and is a good way to manage its health budget!

For your medication, remember to ask "generics" to your doctor or your pharmacist. These drugs have the same effectiveness as those of the major brands and are cheaper!

It is important to remember that each insured has the right to benefit of a free health check every five years in one of the medical centers of the health insurance. 

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Accidents at work, occupational diseases and long illness: who pays and how?

As an employee, you may have to suffer an accident in your workplace, you are making or leaving it, or even to contract an occupational disease; your health is so altered. You then have a social and financial coverage special. This compensation is determined by your situation. In all cases, please notify within 24 hours your employer and make a statement with your health insurance fund within 48 hours following.

During an accident at work or ride (that occurred by the fact or on the occasion of the work), you are compensated by social security and employer according to specific terms and the physical consequences that this can have:

daily allowances in the event of stoppage of work and payment of a supplement by your employer,

100% of the costs of medical, hospital and pharmaceutical care

payment of a pension or allowance capital total or partial permanent incapacity,

or the payment of an annuity holders rights died.

Occupational diseases

In the case of occupational disease, you perceive on the part of insurance and your employer:

a daily allowance in the event of stoppage of work and payment of a supplement by your employer,

an annuity or allowance capital total or partial permanent incapacity.

If the death is found, your loved ones will be paid a pension.

Accidents at work and occupational diseases branch compensates that the injury and the loss of earnings caused by the accident or the disease.

Long illness

All employees are not equal faced with the loss of income due to a long illness. Depending on your personal and professional situation, the modalities of support and financial compensation are different. Some plans are more protective than others. Small overview of what is practiced.

The general regime of the social security

For employees subject to the general regime of the social security, granted financial compensation applies for 3 years. Conditions for benefit are strict:

having worked at least 200 hours during the previous quarter for the sick for 6 months

and 800 hours the previous year for the sick more for 6 months.

The employee then receives daily allowances (IJ) equal to half the average wage calculated on the 3 months preceding the judgment.

Beyond 3 years, an employee survey until his retirement from the disability if pension plan its working capacity is reduced 2/3. The amount of the allowance is 30% of the average annual wage of the ten best years partial incapacity and 50% in the event of total incapacity.

This is sometimes added an add-in on the part of the company to 90 to 100% of the gross salary of reference including daily allowances. This compensation is carried out in the context of the pension scheme of the undertaking.

The quality of this compensation varies depending on welfare selected plans. Responsibility of the collective agreement. It is important properly to investigate the pension scheme which you raise because the amount of the additional allowance will be impacted.

The scheme for civil servants

In case of long illness, officials (all categories and jurisdictions of origin) are compensated for 3 years 100% treatment of base - excluding bonuses - for a year, then 50% the next two years. For some diseases (cancer, tuberculosis, mental illness...), is extended to 5 years 100% for 3 years and then 50% for the last two years.

Exceeded this time and in the event of incapacity for work, officials are put in retirement (with a minimum of 50% of the salary excluding premiums), provided you have 15 years of effective service. Otherwise, it is the general scheme which pays the invalidity pension.

The scheme of the self-employed and the liberal professions

Craftsmen and tradesmen contribute collectively to a life insurance scheme. They are generally less well covered than the employees of the general scheme. However, they benefit from the compulsory scheme of health insurance for the self-employed. Paid daily allowances are identical to the scheme provided they have contributed at least a full year.
After 3 years, craftsmen and tradesmen are not on an equal footing. For craftsmen, if incapacity for work, an invalidity pension is paid equal to 50% of the revenue the first three years, then 30% from the fourth year.
For merchants, only the total and definitive disability causes paid a pension of 50% and 30% for partial disability.

And personal protection?

The collective foresight (within the company or administration) is long sickness or invalidity recognized, unavoidable financial protection. If your employer has not implemented this type of insurance, you can sign a contract with a professional individual.

Most of the contracts guarantee the payment of daily allowances and disability. The average cost of a provident contract varies depending on the amount and the duration of the compensation paid.

Be aware that the vast majority of the contracts proposed by mutual and insurers include the pane "disability" as an additional guarantee of a capital contract death, others limit the duration of payment of daily allowances.

In all cases, it is important to carefully investigate offerings you proposed because the amounts that you receive will have an impact on the level and the quality of your life.

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