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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Home insurance guarantees

Insurance contracts include a set of guarantees at the option of the insured, but all include an essential insurance base. The extent of the guarantees is different from an insurance company to another and one contract to another.

A civil liability is included in the contract and covers all members of the family of the insured. It allows to compensate third parties (outside the family home) against any damage caused by a member of the family in the context of privacy.

The fire and explosion are safeguards that allow the rehabilitation of the immovable property and reimbursement of movable property in the event of a fire or explosion at home.

Theft, attempted theft and vandalism are important guarantees of the contract. They are often decisive in the calculation of the levy to be paid. These warranties cover goods which have disappeared, are destroyed or damaged during a theft or attempted theft. The deductible applied on this warranty can be important depending on the likelihood of flight (e.g. isolated location). These guarantees to function properly, it is necessary to read the General conditions of the contract specifying the means of closures required (number of locks to the doors for example).

The water damage covers damage caused by leakage or infiltration of water at home or a neighbour.

Ice breaking allows to replace a window glass broken by a causes beyond the control of the insured.

The storm, snow, hail covers damage caused by the action of wind, snow, or hail.

Natural disasters or technological risks are safeguards that support damage linked to an outside natural fact as an earthquake, avalanche, or as the damage caused by a polluting factory near his home.

The legal protection is to have a legal way to prevent assistance or settle a dispute. The scope of this service can go the telephone Board in the resolution of the dispute before the courts.

Other accessories guarantees can optionally be included in the contracts of accommodation such as damage to electrical equipment, damage to the contents of the freezer.

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Natural disasters: that covers insurance

Violent winds, landslides, floods... these natural phenomena can cause serious damage to your property and expensive. If guarantees storms and disaster natural are necessarily included in insurance contracts housing, certain property, like your car, are not necessarily covered. Conditions and time limits for implementation, franchise... update on key insurance damage and disaster information.

Each situation its warranty

The principle

Damage to the property insured shall be compensated according to the guarantees provided by your contract of insurance. It must refer to the General and special conditions of the contract to check the risks covered and the conditions of application.

The regime of natural disasters

The legal guarantee of natural disasters scheme dates back to 1982. Are considered as natural disasters "uninsurable direct property damage had caused the abnormal intensity of a natural agent, when measured normal to take to prevent such damages were unable to prevent their occurrence or could not be taken" (article l. 125-1 of the French insurance Code). It can be floods, mudslides, of tidal wave... or the effects of the wind as an inter-ministerial decree of recognition is published in the Official Journal.

This warranty is obligatorily granted in damage (type contract of insurance) insurance contracts except:

·  If the property has been implemented after the publication of a plan for the prevention of natural risks considering the unbuildable area;

·  If the property or activity have been implanted in violation of the administrative rules in force to prevent the damage caused by a natural disaster.

The guarantee natural disasters provides support of damage caused to insured property (buildings, furnishings, vehicles).

Thus, the goods uninsured damages are not covered (ex: gardens, fences or vehicles insured only civil liability)

A franchise
legal still remains the responsibility of the insured:

·   EUR 380 for property in residential tenancies (1520 EUR for drought damage)

·   10% of direct property damage with a minimum of 1140 EUR for professional use

The franchise can be increased through repetitive disasters if the municipality does not have a plan for the prevention of natural hazards.

The security storm

If the State of natural disaster is not declared, the storm, must be present in the insurance contracts, warranty all damage caused by the wind (falling tree, roof damaged or ripped off, furniture damaged by rain of roof damage).

In this case, insured persons whose housing was affected are compensated according to the conditions laid down in their contract. But be careful! The storm warranty covers damage caused by the rain inside buildings if they occur within forty-eight hours but does not cover flood damage. Will require a declaration of natural catastrophe.

Good reflexes

· Take all measures for securing and protection (insulation, tarpaulin...) of your damaged property to not aggravate the damage;

·  for the vehicle, do not hesitate to drive it in the garage or that of your insurance in order to facilitate expertise;

·  If you had to intervene urgently in order to limit the damage, keep all supporting documents (photos, invoices, etc).

The claims process

It involves three steps:

· The claim: it is to prevent his insurer (letter preferably phone, visit to the cabinet) of the loss within a period specified in the contract which may not be less than 5 working days. 

· The supporting documents to be provided: a precise description of the damage (nature, location...), an encrypted list of objects damaged or lost. To do this, you can (if you have kept them!) submit invoices, deeds, photographs... For professional goods, he agrees to provide leasing and certificates of ownership for real estate, the balance sheets and accounts of results, turnover for your business for example;

·  Expertise: if necessary, your insurance will appoint an expert to assess the damage and set an amount of compensation.

For the period of compensation, count three months from delivery of the estimate of the damage and losses (or from the date of publication of the ministerial decree if it is later).

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The comparator Bank and insurance sites

Change the Bank or find a contract of automobile insurance adapted and at an attractive price is sometimes part of the challenge: how to easily get information and the rates charged by different banks or insurance company? Web sites offer to compare all offers to find the best and cheapest. But who are and how do they work?

The role of the comparators

Comparators sites allow to browse, compare and easy access to banking offers or insurance online.

Sites do not directly manage the proposed contracts. Their intermediary role to bring together the prospect with the Bank or the insurance company. Where appropriate, they present only offers unrelated to the company's site or, more frequently, they allow to directly access the website of the Bank or insurance selected to sign the contract offered by the establishment.

Economic ties

Comparators sites enter into partnerships with banks or insurance companies to reference their offer in their comparator. It's privileged partners when the comparison site is a subsidiary of groups of insurance companies from other sectors.
Comparators also act as a broker: they only have offers from their agent corporations. In fact, the user does not have access to all the existing offers but only those of the site's partners. The comparison of tenders deals only a small part of the market, unless the consumer is clearly warned.

The remuneration of the comparator

Access to the comparator and its results is free for the user.
The comparison site is remunerated, as intermediary, by partner companies.

The site receives a remuneration on the part of society each time in connection: either click to the referenced sites, or to the realization of the relationship (it's to say to the signing of the contract of insurance, at the opening of the bank account or other)

The collection of personal data

Comparators sites can also take advantage of the marketing of the personal data provided by users. Indeed, the results provided by these sites are conditioned to the provision of information which some are considered to be personal. In accordance with the law Informatique and Liberty of 1978, users have a right of access to data concerning them, as well as a right of modification, correction and deletion.

The Charter of the comparators sites

The Federation of e-commerce sales (FEVAD) and the secretariat of State in charge of foresight, evaluation of public policies and the development of the digital economy have promoted in 2008 the establishment by sites comparators signatories to a Charter on ethical commitments to ensure the transparency and relevance of the information presented to the consumer.

The Charter proposes provisions intended to apply to any type of comparator site, not only bank or insurance.

Among the recommendations are:

·         the accuracy of the lack of completeness of offers and that these come sites merchants partners,

·         regular updating of the tenders and the update information;

·         the explanation of the mode of ranking of the displayed results

·         the display of prices all taxes and all costs.

This Charter membership is optional. In August 2012, 10 sites were benefiting from the label, including a single comparator site of insurance products. .

Knowing decipher comparative offers

When you use a comparator site, be careful on some key points. First, learn about the number of beneficiaries covered by the comparison.

Use the comparator sites that do the analyses compared prices (tariffs banking, insurance...) and taking into account also guarantees and services proposed. The comparator site must clearly display the date of update information and rates used to perform the comparison. It must also explicitly mention the criteria for comparison utilises.

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