Questions? We’ve got answers!

Our home insurance contract covers the following student accommodations:

• Apartments, houses, and studios: Our insurance protects any student accommodation occupied as a tenant, whether it's an apartment, house, or studio.
• University rooms and CROUS residences
  • Students residing in university rooms or CROUS residences are also eligible.
• Youth worker hostels (FJT) and student residences
  • Accommodations located in FJTs or student residences are covered by our contract.
• Accommodations with 1 to 4 rooms
  • During your subscription, you can indicate the number of rooms in your accommodation (up to 4 rooms).
• Furnished or unfurnished accommodations
  • Our contract applies to both furnished and unfurnished accommodations.

Are you about to move in and need to subscribe to home insurance? To adapt to all your needs, we offer different coverage plans and options. You can compare them by clicking here. If you wish to benefit from "Civil Liability," we invite you to opt for the Comfort and Serenity plans. As a reminder, cash, jewelry, and valuables are not covered by the guarantees.

Absolutely. As an international student or young professional, you can subscribe using your foreign passport or ID. You do not need a French guarantor to get housing insurance with ADH. To be eligible, you simply need to reside in metropolitan France and provide valid proof of your student or recent graduate status (such as a school certificate).

The process depends on your rental agreement. If you have an individual lease, you only need to insure your specific room and the common living areas. If you share a joint lease, you must insure the entire apartment and declare all your roommates on the same policy. With ADH, you can easily add up to 5 students or young professionals roommates. Important: For a joint lease, absolutely all roommates must be students or recent graduates to be eligible.

Comprehensive renters insurance, known as Multirisque Habitation (MRH) in France, is a mandatory policy that protects your home and personal belongings. It systematically covers risks such as:

• Fire and explosions
• Water damage
• Climatic events and natural disasters
• Legal protection 

You can also add optional guarantees like civil liability, theft, or computer equipment protection based on your specific needs.

Our contract is strictly reserved for students and recent graduates. Here are the conditions for couples:

• If both members of the couple are students or recent graduates, you can subscribe to the contract together. During subscription, you must declare the second member of the couple as a roommate.
• If one of the two does not have this status, the couple is not eligible for insurance.

No. Our contract only covers students/recent graduates; even under civil liability, children are not covered.

Yes, renters insurance is legally mandatory in France for all tenants. You must provide a valid certificate of insurance to your landlord before getting your keys. This applies to all types of accommodation, including private apartments, CROUS university rooms, and shared flats. Without it, your landlord can refuse to rent you the place or cancel your lease.

Yes, home insurance is mandatory for furnished accommodation. Adding civil liability coverage is strongly recommended to protect you for damages caused to others.

We remind you that the Alur law of March 24, 2014 now requires any non-occupying co-owner to insure the same accommodation to protect it in case of hazards and also guarantee its contents.

In the absence of a home insurance contract, the consequences may be as follows:

• Refusal by your landlord or property owner to rent you the accommodation
• Termination of your lease
• Your landlord/property owner may take out insurance on your behalf and add the contract amount to your rent

As a reminder, this insurance certificate must be provided:

• Before moving into the accommodation
• At each lease renewal
• Every year

Multi-risk home insurance is designed to protect residential premises (Studio, apartment, house, university room, CROUS, or private accommodation) occupied as a tenant. This insurance is mandatory for any tenant before receiving the keys.

The contract offered by ADH student/recent graduate insurance systematically guarantees:

• Fire and similar events
• Water damage
• Climatic events
• Attacks and acts of terrorism
• Natural and technological disasters
• Legal protection service
• Grade repeat compensation reserved for students
• Personal accident coverage reserved for recent graduates

Depending on your needs and the chosen plan, you can subscribe to the following optional guarantees and services:

• Civil liability (private life, company internship, school, and extracurricular)
• Theft-vandalism
• Glass breakage
• Social support
• Psychological assistance
• Computer equipment guarantee
• Roommate

Yes, ERASMUS and all international exchange students are fully eligible for our housing insurance. To subscribe, you simply need to reside in metropolitan France during your stay and provide a valid student ID or university enrollment certificate. Our flexible, no-auto-renewal contracts perfectly match the duration of your academic exchange.

Absolutely. Our student housing insurance is fully compatible with CROUS requirements. Whether you are renting a standard university room, a studio, or an apartment within a CROUS residence, our policies provide the mandatory coverage you need. You will instantly get the exact certificate of insurance requested by the CROUS administration.

Yes, we understand that international students are on a tight budget. ADH Assurances offers highly competitive rates tailored specifically for students and recent graduates. Our comprehensive renters insurance plans start at just €20.95 per year. This provides you with top-tier coverage at one of the best price-to-quality ratios in the French market.

The price of your contract is defined as fairly as possible with our partner companies, taking into account the following criteria:

1. The number of rooms in your accommodation: Whether you live in a house, a furnished room, a university residence, or CROUS, the price is the same. However, it varies according to its composition.
2. The chosen plan: We offer 3 different levels to cover you according to your needs.
3. The selected options:
   • To adapt to the number of occupants in your accommodation, you can add up to 5 roommates. However, to be covered, they must also be students/recent graduates.
   • For more comfort, we also insure accidental breakage of computers and their peripherals up to €1,300 through the computer equipment guarantee, provided that this incident takes place in your accommodation.

We systematically include in your contract, regardless of the chosen plan, the following guarantees and services:

• Personal property capital
• Fire
• Water damage
• Grade repeat compensation reserved for students
• Personal accident coverage reserved for recent graduates
• Legal protection

Yes, you can easily purchase your renters insurance online from anywhere in the world before arriving in France. Our 100% digital platform allows you to get a free quote, compare plans, and subscribe in just a few minutes. You will receive your mandatory insurance certificate instantly by email, ensuring a smooth move-in process.

This guarantee offers compensation in case of death or total or partial permanent disability resulting from an accident. Here are the coverage amounts provided:

• Death: €3,000
• Total Permanent Disability: €3,000
• Partial Permanent Disability: Coverage reduced according to the degree of infirmity, in accordance with the European scale for the assessment of physical and psychological integrity.

In case of partial disability, the compensation amount is adjusted according to the severity of the infirmity, following the reference scale.

The grade repeat guarantee applies in one of the following situations:

• Following the death of a close relative within 30 days preceding the start of examinations,
• Following your hospitalization due to an accident or illness lasting more than 48 hours and occurring within 15 days preceding the start of examinations.

You automatically benefit from a compensation payment of the amount of rent for the repeated year, up to a limit of €3,000.

ADH is the leader in French student housing insurance, offering key advantages for expats:

• A 100% digital process from subscription to claim filing.
• Immediate delivery of your mandatory insurance certificate by email.
• Affordable pricing starting at €20.95 per year.
• Contracts with no automatic renewal to avoid surprise fees. We make securing your French accommodation fast, transparent, and hassle-free.

Yes, everything is done online in one place: quotes and subscription are grouped together for simplicity. After answering a few questions about your needs, we recommend the most suitable plan. You can also compare the three plans offered and choose the one that suits you best. Once you've made your choice, complete your subscription in a few minutes. You will immediately receive your certificate by email.

You can pay your student housing insurance premium securely online using a credit card, a debit card or Apple Pay. The payment is made in full during the final step of your online subscription. We accept international bank cards, meaning you do not need to have a French bank account set up beforehand to complete your purchase.

You will receive your certificate of insurance immediately by email as soon as your online payment is confirmed. This means you can provide the required proof to your landlord or CROUS residence without delay. You can also download it anytime 24/7 directly from your online customer area.

During your online subscription, you cannot pick a custom date, but you have two convenient options. You can select "Today" for your coverage and certificate to take effect immediately, which is ideal if you are moving in right away. Alternatively, you can select "In 14 days" if your move-in date is later and you want to wait until the legal withdrawal period ends.

Your contract takes effect according to the chosen option ("Today" or "in 14 days"), it will automatically end on August 31st of the current school year. Our contract has no automatic renewal, meaning it does not renew automatically. You can renew your contract in a few minutes via your customer area from June 1st.

Example:

• I subscribe on September 1, 2024, I am insured until August 31, 2025.
• I subscribe on January 1, 2025, I am insured until August 31, 2025.

Attention, from June 1st of each year, the subscription is valid for the following school year. Example: I subscribe on June 1, 2025, I am insured until August 31, 2026.

No, you do not need a French bank account to get your renters insurance. You can easily pay your premium online using any standard international credit card. This allows you to secure your mandatory housing insurance from abroad before you even arrive in France.

While the legally binding contract must be in French according to local laws, our online subscription process is highly intuitive. Most importantly, our dedicated customer support team is ready to assist you in English, providing a reassuring and seamless experience for all international students.

You do not need to upload any documents during the online subscription! The process is fast and 100% paperless, and you will instantly receive your certificate by email. Please note: valid proof of your student status (like a student ID) may be requested later if you file a claim.

Yes! If you choose our Comfort or Serenity plans, comprehensive Civil Liability is included. This covers you for:

• Private life incidents.
• School and university enrollment requirements.
• Mandatory company internships. This ensures you easily meet all French academic and professional requirements.

Assurances Etudiant by ADH is committed to total transparency for international students. There are no hidden fees, and our student plans start at an affordable €20.95 per year. Any standard deductibles applied in case of a claim are clearly displayed when you compare and select your coverage plan online.

You can easily file a claim 24/7 directly through your online customer area. If you face an incident like water damage or theft, our customer support team is available to help you navigate the process in English, ensuring your claim is handled quickly and without stress.

If you are moving to a new apartment within France, updating your policy is quick and easy. Depending on your moving timeline, here is what you need to do:

• Direct Move (No overlapping dates): You do not need to purchase a new policy. Simply log in to your online customer area, click on “Other Actions”, and update your address. Your coverage will automatically transfer to your new home, and you can instantly download your updated certificate of insurance for your new landlord.
• Overlapping Leases (Keeping both apartments temporarily): Important: Once you update your address on your current policy, your previous apartment will no longer be covered in the event of a claim. If you are renting both places at the same time, you must purchase a new, separate contract for your new accommodation to ensure both are fully protected.

Yes, our policies are designed with students in mind and offer complete peace of mind. You have two simple situations regarding cancellation:

• 14-Day Cooling-Off Period: If you change your mind right after subscribing, you benefit from a legal 14-day withdrawal period. You can easily cancel your policy within this timeframe without any penalty.
• Automatic End of Contract: Your ADH insurance contract ends automatically on August 31st of the current academic year. There is no automatic renewal! You do not have to worry about complicated cancellation procedures or unexpected fees when you leave France or return to your home country.

If you update your contract, you can instantly download your updated certificate from your personal account. Just go to the “Contract” tab and click on “Download my certificate”.

Don't worry! Your insurance certificate is permanently saved on our platform. You can retrieve and download it 24/7 by logging into your online customer area. Alternatively, you can search your email inbox, as we automatically send a digital copy to your registered email address the moment you complete your subscription.

You can modify your contract online at any time from your personal account for the following reasons:

• Change of address (move or correction).
• Change of coverage plan.
• Add or remove one or more roommates (up to 5).
• Add or remove the computer equipment coverage.

In all cases, there's no need to start a new subscription. Simply follow these steps:

• Go to “My Account” and log in with your credentials.
• In the “Contract” tab, click on “Other actions”.
• On the “Modify your contract” page, select the items you wish to change.
• Click “Confirm changes” at the bottom of the page.

If you encounter difficulties in the application of your contract and the responses provided by your usual contacts do not meet your expectations, you can submit a written complaint to: ADH Complaints Service 300 rue de Lille – Bâtiment B – 59520 MARQUETTE-LEZ-LILLE EMAIL: You can use the contact form available on our website. ADH is committed to acknowledging receipt of your complaint within 10 days and providing a response within a maximum of 2 months. If the dispute persists or if the response provided does not satisfy you, you can also contact your insurer. In the case of a lasting and unresolved disagreement, after exhausting the internal complaint procedures mentioned above, you have the option to refer the matter to an independent mediator at the following address: Insurance Mediation – TSA 50110 75441 Paris Cedex 09 France This does not affect your right to take further legal action. The regulatory authority overseeing the insurance company is the Autorité de Contrôle Prudentiel et de Résolution (ACPR), located at: 4 place de Budapest – CS 92459 – 75436 PARIS Cedex 09 Website: www.acpr.banque-france.fr

You can easily file a claim 24/7 directly through your online customer area. If you face an incident like water damage or theft, our customer support team is available to help you navigate the process in English, ensuring your claim is handled quickly and without stress.

Assurances Etudiant by ADH is committed to total transparency for international students. There are no hidden fees, and our student plans start at an affordable €20.95 per year. Any standard deductibles applied in case of a claim are clearly displayed when you compare and select your coverage plan online.

Liability insurance is the legal obligation to compensate for damages caused to others, whether material, bodily, or immaterial. If you are found responsible for unintentionally causing harm to another person, this coverage will cover the repair costs, in accordance with Article 1240 and Article 1241 of the Civil Code.

It protects you financially by covering compensation costs so that you don’t have to pay them yourself. For example, if you accidentally damage a video projector at school, your liability insurance will cover the repair costs.

Yes! If you choose our Comfort or Serenity plans, comprehensive Civil Liability is included. This covers you for:

• Private life incidents.
• School and university enrollment requirements.
• Mandatory company internships. This ensures you easily meet all French academic and professional requirements.

If you have already taken out our home insurance (Comfort or Serenity plan), your insurance certificate serves as valid proof. It will include the mention:
"LIABILITY INSURANCE as occupant / Private life / COMPANY INTERNSHIP (no deductible)."
No additional certificate is required.

If you have taken out standalone liability insurance, the certificate you received by email at the time of subscription serves as proof.

To easily find your certificates, log in to your customer area and download the document in one click by selecting "Download my certificate."

Liability insurance covers damages caused to third parties in your daily life, including:

• Your school and extracurricular activities.
• Your pets, even if they are temporarily entrusted to someone else.
• Amateur sports activities.
• Accidental and unforeseen pollution.
• Professional internships.
• Babysitting.

Liability insurance covers the costs of damages unintentionally caused to others due to carelessness or negligence, whether material, bodily, or immaterial. Without this coverage, you would have to pay for these costs yourself.

Liability insurance options offered by ADH Insurance:

• Standalone liability insurance covering your private life.
• Liability insurance included in the Comfort and Serenity plans of our home insurance policies.

Yes, our international student health insurance is recognized by all French universities and higher education schools. Upon online subscription, you instantly receive your official certificate by email. This mandatory document proves you have comprehensive medical coverage and civil liability, allowing you to seamlessly validate your university enrollment and start your studies in France.

Absolutely. The ADH insurance certificate is 100% compliant with the strict requirements of French prefectures and consulates. This essential document is valid for both your initial student visa application and your residency permit renewal. It proves you have full medical coverage and repatriation assistance, ensuring a smooth immigration process.

Our international student health insurance is a comprehensive, all-in-one plan. You legally do not need any additional coverage for your stay. To simplify your move to France, our policy centralizes the three mandatory guarantees:

• Medical and hospitalization coverage.
• Civil Liability (required by your university).
• Medical repatriation assistance (required for your student visa).

In the event of an accident or accident-related medical emergency, you are covered immediately with no waiting period. For standard illnesses (like doctor consultations and treatments), a short 8-day waiting period applies after subscription. Once this brief period passes, you are fully protected for all your healthcare needs in France.

Yes, our health coverage for international students is highly comprehensive:

• Hospitalization: Covered at 100% of actual costs in contracted facilities.
• Doctors and specialists: Reimbursed at 100% of actual costs (up to €80 or €100 per visit).
• Dental care: Covers dental emergencies and accident-related dental treatments.

Yes, it does. When you arrive in France, registering for French Social Security (CPAM) can take months. Our insurance covers you from the very first euro while you wait. Once your CPAM affiliation is active, our policy automatically adapts to function as a top-up insurance (mutuelle), covering the remaining out-of-pocket medical costs.

For routine doctor visits, you must pay upfront. Reimbursement is fast and easy: simply upload your medical invoices under €500 to our online platform, or mail them if the amount is higher. For hospitalizations, no upfront payment is required -we set up direct billing with the hospital through a simple phone call.

We reimburse standard medical care (prescriptions, lab tests, X-rays) at 100% of actual costs. Doctor consultations are also covered at 100% (up to €80 or €100). Thanks to our 100% digital platform for claims under €500, processing is accelerated, ensuring you receive a rapid bank transfer for your reimbursements.

Yes, our insurance easily adapts to the length of your stay in France (from 1 to 12 months). If you extend your studies, you can quickly renew your policy online through your personal account. There are no additional administrative fees, guaranteeing continuous medical protection between two academic years.

Absolutely. Our France-based team manages your administrative requests and reimbursements in both English and French. For any medical emergency (hospitalization, repatriation), our assistance center is available 24/7. Our medical operators speak major international languages, ensuring you get the help you need without any language barriers.

Our international student health insurance includes robust assistance guarantees to ensure your peace of mind:

• Medical repatriation to your home country.
• Direct billing coordination in case of hospitalization.
• An early return ticket in the event of a severe family emergency.
• Legal assistance coupled with your Civil Liability coverage.

Yes, this is a major benefit of ADH. Obtaining your French Social Security (CPAM) number often takes several months. During this waiting period, our insurance works independently. You are reimbursed from the very first euro spent on medical care, without having to wait for your official enrollment in the French healthcare system.

No, a French bank account is not strictly mandatory to subscribe or receive your ADH reimbursements; an international account (ideally with a SEPA IBAN) is sufficient. However, opening a French bank account upon arrival is highly recommended, as it will greatly simplify your daily life and your official CPAM registration.

Yes, medical repatriation is fully included in our coverage. In a severe medical emergency, if doctors determine you need to return to your home country, our 24/7 assistance team will organize and fully cover your medical repatriation. This is a crucial guarantee required to validate your student visa.

To register, visit the official website: etudiant-etranger.ameli.fr. You will need to provide documents like your passport, student visa, and school certificate. Since this process takes time, ADH health insurance covers you from your first day in France. Once you get your CPAM number, our plan automatically becomes your top-up insurance.

Yes, ADH travel insurance is perfectly suited for international students coming to France. Our flexible plans cover study abroad semesters and university exchanges for durations ranging from 1 to 12 months. Upon online subscription, you will instantly receive your dual-language (French and English) insurance certificate by email, allowing you to finalize your university enrollment and travel preparations without delay.

Getting your mandatory insurance certificate is instant with ADH. Once your online payment is validated, you immediately receive your certificate by email in PDF format. Provided in both English and French to meet international university standards, it clearly states your exact coverage dates, medical limits, and repatriation guarantees. You can download and submit it for your registration the very same day.

Absolutely! Your student travel insurance provides worldwide coverage by default. You can safely explore neighboring countries knowing your medical needs are fully covered. Please note: if you travel back to your home country during school holidays, medical emergency coverage is specifically capped at €15,000.

ADH offers premium health protection for international students. Your medical, surgical, and hospitalization expenses are covered at 100% of actual costs with zero deductibles and no waiting periods. The coverage limit is set at a generous €300,000 per person, per year, worldwide. This ensures you are fully protected against unexpected healthcare costs, from doctor consultations to emergency hospitalizations.

In the event of a surgery or emergency hospitalization, you do not need to advance any funds; we provide direct billing upon a simple phone call. For routine medical care, you will pay upfront and easily request a reimbursement. Claims under €500 are quickly processed through our online platform, while larger amounts require submitting original invoices by mail.

Yes, both general practitioner and specialist consultations are fully covered. ADH reimburses these medical visits at 100% of the actual costs incurred, with absolutely no deductibles or waiting periods. This comprehensive coverage also applies to paramedical services, prescribed pharmacy medications, laboratory tests, and necessary medical transport, guaranteeing you access to quality healthcare in France.

Yes, comprehensive medical repatriation is systematically included and covered at 100% of actual costs. In case of severe illness or accident, we also provide essential assistance guarantees:

• Covering a family member's round-trip ticket and hotel if you are hospitalized for over 7 days.
• Funding your extended stay if medically required.
• Shipping vital medications if unavailable locally.

Yes, our student travel insurance strictly complies with all embassy and consulate requirements for obtaining a French long-stay visa, student visa, or Working Holiday Visa (WHV). The policy exceeds the legal minimum by offering up to €300,000 in medical coverage and full medical repatriation. You can download the required insurance certificate instantly after subscribing online to complete your visa application.

To secure a WHV or student visa, embassies require robust medical guarantees. The policies proposed by ADH perfectly meet these requirements by including: Medical and hospitalization coverage at 100% of actual costs (up to €300,000). Medical repatriation fully covered. Repatriation of remains covered at 100% (with funeral costs limited to €1,500).

While a visa denial is not a specific cancellation motive, our standard 14-day withdrawal policy applies. You have 14 days from the date of your online subscription to cancel the policy and receive a full refund of your premium. If the 14-day window has passed, the premium is considered fully acquired and no partial refunds are issued.

Absolutely. Our travel insurance is fully compliant with all Schengen visa requirements. It provides valid coverage across all Schengen Area member states and easily exceeds the mandatory €30,000 minimum by offering up to €300,000 for medical expenses. It systematically includes the required guarantees for emergency hospital treatment and medical repatriation, ensuring your visa application is approved.

Yes. In the event of a severe medical emergency where local treatment is insufficient, our assistance team will organize and fully cover your medical repatriation back to your home country. This service is covered at 100% of actual costs. Our medical board will assess your situation and coordinate the safest transport method to get you home securely.

Yes, it is highly recommended to purchase your travel insurance before arriving in France. Our 100% digital platform allows you to get a quote, pay securely with an international credit card, and subscribe from anywhere in the world. You will instantly receive the mandatory certificate needed for your visa application or university enrollment prior to your departure.

Yes, we understand the needs of international students. Immediately after your secure online payment, you will receive your official insurance certificate in both English and French. This bilingual document clearly outlines your medical expense limits, exact coverage dates, and repatriation guarantees, making it instantly ready for your embassy visa appointments or university registration procedures.