HOW TO DEAL WITH

COMPULSORY

INSURANCES AT GEM

Please find below some useful information about the 3 compulsory insurances that you need to present to the school in order to obtain your student card: Health insurance + Repatriation insurance + Housing and civil liability insurance.

Remember that you need to subscribe to a temporary travel insurance if you don’t have any coverage.

TEMPORARY TRAVEL AND HEALTH INSURANCE

For the first weeks of your stay, we insist that each student comes to France with some kind of temporary travel and health

insurance. Students applying for a French visa will be asked to provide this insurance to the French Consulate but it should not be

taken as a health insurance policy. Temporary travel insurance is only for emergencies.

In case of serious illness or in case you need a special medical treatment you should be covered before your arrival. Take into

account that applying for the French Health Insurance (LMDE/SMERRA/CMU) takes time so don’t count on this coverage upon

your arrival to take care of your health expenses.

REPATRIATION INSURANCE

COMPULSORY

FOR ALL

NATIONALITIES

EXCEPT FRENCH

CITIZENS

RESIDING IN

FRANCE

COMPULSORY FOR ALL AGES

Conditions: You need to have repatriation insurance since the school cannot guarantee you if anything happen and you have to be urgently repatriated to your home country (serious illness or death).

Where to obtain it and cost: In your home country with an insurance company In France, with SMEREP or LMDE (16€/year).

When & How to buy it in Paris :

From 16 September to 22 November There are two welcome services in Paris, open from 16 September

to 22 November : Paris CROUS - Web Site : http://www.crous-paris.fr/article.asp?idcat=AAG ;

E-mail : international@crous-paris.fr

The Paris Cité Internationale Universitaire Web site : www.ciup.fr Opening hours : Monday to Friday from 9 am to 5 pm. (on Thursday: from 2 to 5 p.m.) Tél : 01 4416 64 00 Transport : RER B Cité Universitaire Tramway T3 Tube : Métro line 4 (Porte d’Orléans- E-mail : access@ciup.fr

HOUSING AND CIVIL LIABILITY INSURANCE

COMPULSORY

FOR ALL

NATIONALITIES

COMPULSORY FOR ALL AGES

Conditions: You can buy this insurance ONLY in France. It is compulsory in France to have housing and civil liability insurance while you are renting a property. This is also applies to those of you who will be living in the private student residences (Les Estudines, etc.) and CROUS accommodation. You will have to subscribe to housing insurance once you have arrived in Grenoble and have secured accommodation so don’t worry about it before you leave home. Civil liability insurance will be included in your housing insurance policy.

Important note: You will need to pay attention and buy the insurance that fits with the type of accommodation you have and in compliance with your lease (room, studio, flat – shared or not).

Where to buy it: At the The Paris Cité Internationale Universitaire during their welcome de

Some banks provide it too. check with yours.

HEALTH INSURANCE

IF YOU ARE UNDER 28 YEARS OLD

IF YOU ARE 28 & OVER 28 YEARS OLD

EU/EEC

CITIZEN

WHAT IS COMPULSORY : BASIC COVER

You need the European Health Card.

You will be covered only 70%.

Where to obtain it: Health authority in your home

country.

Further information(how it works, how to obtain it):

http://ec.europa.eu/social/main.jsp?catId=559

WHAT IS COMPULSORY : BASIC COVER

You need the European Health Card or buy a private

insurance at your home country or in France.

You will be covered only 70% with the European Health

Card.

Where to obtain it:

European Health Card: Health authority in your home

country Private Insurance: Home country or upon arrival in

France with AXA. Axa rates from 37€ to 63€ according to your age..

WHAT IS OPTIONAL: COMPLEMENTARY COVERAGE

If you want to obtain 100% coverage, you have to

subscribe to a complementary health insurance,

called “mutuelle” in French.

Cost: 100-300€ per year depending on your individuals

needs and choices.

Where to buy: You can buy it upon arrival at the

Welcome desk organized by the cite internationale de

Paris

WHAT IS OPTIONAL: COMPLEMENTARY COVERAGE

If you want to obtain 100% coverage, you have to

subscribe to a complementary health insurance, called

“mutuelle” in French.

Cost: 100-300€ per year depending on your individuals

needs and choices.

Where to buy it : You can buy it upon arrival with the LMDE

or SMEREP agencies.

Note: This only applies for European Health Card holders.

NON-EU

CITIZEN

WHAT IS COMPULSORY : BASIC COVER

You have to be affiliated to the French National

Healthcare for Students – “Sécurité Sociale

Etudiante” to be subscribed with SMERRA or LMDE

through your GEM program coordinator.

You will be covered only 70%.

Cost and where to obtain it: Give to your program

coordinator a cheque for 211€ (, she will do the initial

inscription to the LMDE or SMEREP.

You must pay attention to the mails or e-mails you will

receive from the LMDE or SMEREP asking you for

documents like your certified birth certificate.

WHAT IS COMPULSORY : BASIC COVER

You have to be affiliated to the French National

Healthcare for adults - “CMU* de base” or buy a Private

Insurance in your home country or in France.

You will be covered only 70% if you subscribe to the

CMU de base.

Cost and where to obtain it:

Private insurance: Cost varies according to the

insurance agency. You can buy in your home country or upon arrival in France with AXA .

CMU de base: You need to submit your application to the

French Health Insurance organization –”. Cost will be determinate by the CPAM. This procedure could take months.

WHAT IS OPTIONAL: COMPLEMENTARY COVERAGE

If you want to obtain 100% coverage, you have to

subscribe to a complementary health insurance,

called “mutuelle” in French.

Cost: 100-300€ per year depending on your individuals

needs and choices.

Where to buy it: You can buy it upon arrival with the

LMDE or SMEREP agencies after you subscribe for the

basic coverage with your program coordinator at GEM.

WHAT IS OPTIONAL: COMPLEMENTARY COVERAGE

If you want to obtain 100% coverage while applying for the

CMU de base you have to subscribe to the “CMU

complémentaire”.

If you have a private insurance you should be covered by

100%, you need to check this with your insurance company.

STUDENTS FROM

QUEBEC

You must get a specific from SEQ before your departure. For the reimbursements, please contact the CPAM International Service (“Caisse Primaire d’Assurance Maladie”).

Note for students who must subscribe to the French Health System: Please note that the French Health Insurance will ask

you your apostille/legalized birth certificate, check page 15 in our guide – www.ggsb.com/studentlife - to know all the details

about this procedure.

You need to legalize this document before your arrival in France in order to obtain your health insurance card (“Carte

Vitale”). Remember that is you plan to do an internship or work you MUST hold this insurance card.