Supplementary cover and private insurance

Although optional, we recommend that researchers covered by the national health insurance system (*Assurance Maladie*) take out supplementary health insurance (*mutuelle*) to ensure better reimbursement. The national health insurance scheme covers only a portion of your medical expenses; consequently, out-of-pocket costs can be significant depending on the treatment received (e.g., dental care, hospitalization, vision care, etc.).

Your employer may offer a group supplementary insurance plan that you can join as an employee. You should check with your employer's Human Resources department.

Do you work in the public sector? More information about supplementary health insurance in the public sector.

If you are on a low income, you may be covered by the supplementary universal cover scheme (previously known as CMU-C). For more information, follow the online procedure.

If your employer does not offer a supplementary health insurance plan, you can take one out with an insurance company.

The levels of coverage offered by these plans vary from one company to another. Assess your needs and do not hesitate to compare offers to find the supplementary health insurance that suits you.

The MAGE and MGEN insurance companies have offers for staff working for the Ministry of Higher Education and Research.
Phd students can also benefit from offers for students.

If you are not eligible for the basic social security system, several options are available to you:

• Remain affiliated with the social security system of your country of origin or previous country of residence (verify that it covers you in France for the entire duration of your stay);
• Take out private insurance in your home country that covers all healthcare expenses for you and your family for the entire duration of your stay in France;
• Take out a private insurance policy in France.

Find out the details before you leave: private insurance rates vary significantly from one country to another.

The EURAXESS France network has negotiated health coverage offers for international scientists.

More information on the Fnak website – Negotiated insurance offers.
These offers are available to international researchers registered with the service: link to register.

Please note that the partnership with Axa Assurance will not be extended beyond the end of 2026. If your stay in France extends beyond this period, we recommend looking into other alternatives, such as April Assurance. The Euraxess network is currently exploring other potential negotiated offers.