Higher education: can I stay with my parents’ mutual insurance company?

Published on : 25 August 20212 min reading time

Health is one of the world’s greatest assets. Preserving it is one of life’s goals. Nevertheless, diseases are difficult to avoid. They reach everyone in an intense way or not very much. Various pathologies have arisen. They can be serious. Depending on the severity, medical care is often expensive. As a result, there are costs involved. This is why health insurance, the various mutual insurance companies and social security have been designed. The latter are designed to reimburse the money spent on treatment.

Family mutual insurance

This insurance is reserved for the whole family: the father, the mother and the children. However, it only covers the latter at a certain age. The gap is between 21 and 25 years of age. Beyond that, it is necessary to have your own mutual insurance. The condition is that the child must be dependent on his/her parents. Secondly, they must be affiliated to a student scheme. This requires proof of enrolment, such as a certificate of enrolment. The student does not have to subscribe to a complementary student insurance scheme. However, as soon as you get a job or a work placement, this privilege is withdrawn. You must have at least one student mutual insurance company by the time you are 25. The child is only entitled to reimbursement of health care costs and not to benefits in the event of incapacity for work.

Student mutual insurance

A student mutual insurance company can be acquired when you start university. It is an organisation responsible for collecting specific reimbursements for students. In reality, it is a complementary health insurance. Its aim is to minimise health costs while receiving proper care. Your budget will not be affected by your health problems. It reimburses costs not paid by social security and health insurance. Indeed, the health insurance only covers 70%. Social security only covers a part of the medical costs. Moreover, this complementary insurance is not compulsory. Only health insurance is unavoidable.

Illnesses and health cover

The student health insurance covers costs that are not reimbursed by other insurances. This includes hospitalization, medical consultations, prescription drugs, dental care, optical care and eye care. The excess fees for specialist doctors such as gynaecologists, physiotherapists, osteopaths, acupuncturists and psychologists are also covered by this mutual insurance.

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