Guide to medical insurance and medical treatment in France when studying abroad
1.Basic medical insurance and CVEC
In France, all students, both French and foreign, are required to take student insurance. Prior to 2018, if you enrolled in a French school, the insurance fee was paid at the same time as the registration fee, which was approximately 217 euros, and you were automatically entitled to the basic health insurance service once your registration was completed.
Starting with the fall 2018 enrollment, students' health insurance coverage began to be classified as general health insurance. Every student enrolled in France at the stage of the higher education sphere pays a CVEC fee of 90 euros before registering at the school and is entitled to the same health insurance services as before.
Once you have purchased a basic health insurance policy, you will be entitled to a basic reimbursement rate of 70% if you visit a doctor in France.
2. Supplementary medical insurance
There is a sense of security called 100% coverage! To cover the remaining 30%, you can choose to purchase a medical supplement (mutuelle).
A supplemental insurance, as the name suggests, is a commercial insurance that reimburses the cost of medical treatment in addition to the basic insurance. Unlike the basic insurance, the mutuelle is no longer regulated by the National Social Health Insurance Institute (INPS), but is offered by private insurance companies. This insurance is not mandatory.
There are really many insurance companies on the market, and each company offers different reimbursement programs and rates, so when choosing an insurance company you must keep your eyes peeled and shop around. Pick the one that best suits your situation! The common ones are LMDE, emeVia, MEP, SMEREP, etc. You can get better medical assistance by paying about 5-30 euros per month.
It's very easy to get mutuelle (how can it be hard to pay out of your wallet ......), you have three choices:
Choice one: go directly to the insurance company to explain your claim, the next insurance clerk will blah blah blah recommend a whole lot of packages to you, you choose to fill out the form directly and sign on the line.
Choice two: call the insurance company, say you want to do so and so package, directly on the phone to report your information, then you will hear the blah blah blah product recommendations, and then a few days later you will receive the insurance company to send the documents, signed and sent back on the deal.
Option three: online, choose a package, fill out the form, submit, fast and easy to do with your fingers.
3. About medical care
In France, medical care is open and everyone is free to choose his doctor. However, it is recommended to find a doctor who has an agreement with the government, which means that their consultation fees are determined by the social security department (23 euros for a general practitioner and a minimum of 25 euros for a specialist, of which about 70% can be reimbursed). Home consultations, weekends and holidays can be more expensive.
4. Doctor's prescription and medical records
Prescription (Ordonnance) is a prescription for medication or a test certificate issued by a doctor, which must be presented when going to the pharmacy to dispense medication or laboratory tests. Medical records (Feuille de maladie) is to seek medical treatment, dispensing, inspection and other medical expenses; in the application for reimbursement to the social health insurance institutions, you must send a copy of the certificate of medical records and prescription slips.
5. Carte Vitale
The card, which is free of charge for all social security beneficiaries, is used by doctors and pharmacists to automatically record and electronically transmit claims for reimbursement of medical expenses. The use of the card avoids the need to send medical certificates to the social health insurance institutions and speeds up the processing of claims.
6. University infirmary
The university provides medical services exclusively for students. The infirmary can provide medical health checkups. The University's Preventive Medicine Department also offers a range of free services, such as screening for disease control, oral dental diagnosis and specialist consultations.
7. Hospitals
There are several different types of health care in France, which differ not so much in terms of the quality of the services provided as in the rate of reimbursement of medical expenses. In public hospitals and private clinics authorized by the Social Security Institute, 80% of the cost of treatment is reimbursed, whereas in non-authorized private clinics, only about 10% of the cost is reimbursed.
When you visit a public hospital, you have to pay for the part of the medical bill that is not reimbursed by the social security organization (called "ticket modérateur" in French). In the event of hospitalization, both public hospitals and specialized private clinics require a hospitalization fee of 18 euros per day; this fixed fee is only reimbursed by the complementary health insurance company if you have a complementary health insurance policy.
8. Pharmacies
In France, pharmacies have a monopoly on all medicines sold with a doctor's prescription. Opening hours from 9 to 19 hours, some open until 23 hours; Sunday, Monday morning and holidays closed. However, there is usually a pharmacy on duty in every street city to meet emergency needs.
9. Emergency and night duty
Every public hospital has an emergency department open day and night. A list of doctors and pharmacists on duty can be obtained from the pharmacy or from the services section of the local newspaper.
Expanded reading: several types of institutions to study in France
1, comprehensive colleges and universities
There are 88 public universities in France, mainly scientific research education, high quality of education, the implementation of the "358" new academic system, i.e., bachelor's degree of three years, master's degree of five years, doctoral degree of eight years. Comprehensive universities generally do not charge tuition, only registration fees. There is no ranking of public universities in France, so students can choose the right university to study.
2, engineer colleges and universities
belong to the French higher professional schools in a class, is an important part of the French elite education. There are 240 colleges of higher professional engineers. Students can graduate with an engineer's diploma and a master's degree (Master).
3, business schools
France *** there are 230 higher business and management colleges, some belong to the French Chamber of Commerce and Industry (CCI), some are private institutions. Business education is known for its focus on management practices. In addition, it is cost-effective to study business in France. In some public universities, Chinese students only need to pay a few hundred euros in tuition per year.
4, art colleges
belong to the French higher education institutions, mainly to train artists, creators and professionals in the field of visual arts. France's leading art schools are often known for their rigorous entrance exams.
Extended reading: France student visa interview guide
A, self-introduction
First to prepare, is the introduction of their own basic situation, this is the first step to show their own, can not give the interviewers to leave a good impression all depends on this step, the time does not need to be too long, a minute and a half is basically enough.
To include the content of their name, educational background and hobbies, to show their own strengths, and in advance to write out the script, more practice a few times to ensure smooth, so that it is not so much like memorizing the script.
In addition, the interview was conducted in French, but the content of the questions involved will not include very complex French, so you can basically still cope with, but it is still recommended that you familiarize yourself with all the questions in advance and prepare to reduce the probability of making mistakes.
Second, the basic questions and answers
At present, we can be sure that the questions will be asked, one is why choose to study in France? When you answer, you must show your own characteristics, the desire and love of grammar if the real feelings, do not draw on the network of the public answer.
Second, why choose this institution? You can answer according to the nature of the school, so it will be more targeted, but also to show their knowledge of the school, so it will be more competitive, but also easier to pass the test.
Third, why did you choose this program? At present, the French colleges and universities in the choice of specialties offered is very much, there are many is not even heard of the domestic, but still very popular, you have to show their interest in the specialty, and show their own preparation.
Third, the question session
After the completion of the question and answer session, you can also ask your own questions, consulting want to know about the various aspects of the content, to take advantage of this session, because basically the questions that you put forward, will be answered, which will help you to deepen the understanding of the country.
And the interviewer will also be based on the student's questions, to the students of the second judgment, the performance of the students, will be higher evaluation, which will help you get the results of the pass a little earlier.
Expanded reading: international students in France to pay attention to things to rent
A. Guarantee
International students to rent a house, but also need to be guaranteed to ensure that students can not afford to pay the rent, someone to continue to pay the rent, but very few international students to find a local guarantor, you can through the VISALE system to buy guarantee services, is also recognized. It's also recognized.
If you are renting a Student Residence, which is a type of apartment, you can pay a few months' rent to get rid of the guarantee, which means you will have to do less preparation and the process will be simpler.
Second, the deposit
In addition to the guarantee, you need to pay the landlord a deposit, as a guarantee that the internal facilities of the room as a voucher, and then in accordance with the agreement to return the room, if there is no problem will be returned directly, if the deduction is to be able to prosecute with the contract.
The specific amount of the deposit, generally one to two months of rent, can be bargained to one month's rent as a student, in order to ensure that the subsequent check out will not be difficult, to take pictures when you move in, we must ensure that the interior furnishings are intact, try to avoid disputes.
Third, the contract
1. Basic information
The contract should be the landlord and the tenant's basic information written clearly, and show the basic information of the house, including the address, the area, and all the equipment in the house, and to confirm the purpose of the rental, whether it is residential or commercial, to ensure that both parties are clear.
Rent and other living expenses should be clearly written, and the payment method should also be confirmed; breach of contract or man-made damages, how to be responsible should also be clearly stated, to ensure that their rights can be protected by the contract.
2. Obligations of both parties
During the period of stay, the landlord can not casually door to door, the tenant in each payment of rent, must remember to ask for receipts, and well kept, after the study of the disputes, these are the need to show the material.
3. contract duration
General rental contract, no special circumstances, are a year from the signing of the contract, in which the tenant is free to leave, but the landlord has the right to deduct a portion of the deposit, the landlord can not be in the expiration of the tenant to drive away, the emergence of the case here is also can be sued.