{"id":3650,"date":"2023-06-26T08:45:25","date_gmt":"2023-06-26T06:45:25","guid":{"rendered":"https:\/\/www.univ-lorraine.fr\/welcome\/?p=3650"},"modified":"2026-05-27T11:41:56","modified_gmt":"2026-05-27T09:41:56","slug":"complementary-or-mutual-health-insurance-for-researchers","status":"publish","type":"post","link":"https:\/\/www.univ-lorraine.fr\/welcome\/en\/complementary-or-mutual-health-insurance-for-researchers\/","title":{"rendered":"Complementary or mutual health insurance for researchers"},"content":{"rendered":"
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In France, the Assurance Maladie<\/em> (Health Insurance aka Social Security) does not reimburse all your healthcare costs. Complementary (or mutual) health insurance covers the remaining costs to be met by the policy holder.<\/p>\n\n\n\n

In order to benefit from optimal<\/strong> reimbursement of your healthcare costs, you can take out complementary<\/strong> or mutual heath insurance<\/strong>. It is not mandatory <\/strong>but it is strongly recommended<\/strong>.<\/p>\n\n<\/div><\/div>\n\n

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complEmentARY<\/strong><\/p>\n\n<\/div><\/div>\n\n

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oR mutuAL INSURANCE?<\/strong><\/p>\n\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n<\/div>\n\n\n

Premium rates vary depending on<\/strong> your situation (PhD student or researcher) and take account of a range of criteria<\/strong>: cover level chosen, income, age, status (salaried or not), etc. If you’re a PhD student or researcher, special offers have been negotiated for you. For further information, click here<\/a><\/p>\n\n\n\n

Reimbursements vary depending on the contract you chose. They reimburse part or all of the costs not covered by the\u00a0Assurance Maladie<\/em>.<\/p>\n\n\n

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There are 2 types of complementary health insurance:<\/strong><\/strong><\/p>\n\n\n\n