STUDENT CIVIL LIABILITY INSURANCE
Protect your student life every day with StudyAssur !
STUDENT LIABILITY INSURANCE - FROM 1.33 €/MONTH
Liability Insurance - Individuel Accident - Assistance in France ans Abroad
Are you a student, work-study student or apprentice ? Do you need third-party liability coverage for your studies or internships ? Look no further ! StudyAssur offers you its “Student Insurance” pack bringing together at the best price a maximum of guarantees perfectly adapted to meet all the activities of your daily life as a student. Discover the guarantees of our student insurance pack below.
CIVIL RESPONSIBILITY STUDIES & INTERNSHIPS
You are insured worldwide against damage you cause to others during your studies, your internships but also of all your school, extracurricular activities and your private life
MEDICAL CIVIL LIABILITY
You are insured against bodily, material and immaterial consequences caused to third parties during your internships in France linked to the exercise of medical, surgical and paramedical professions
PROTECTING YOUR PERSONAL ASSETS
You are insured against theft or loss of your luggage, keys or official papers, as well as theft of your laptop, bicycle, musical instrument or university textbooks
EDUCATION ANNUITY DEATH OF THE FUNDER
You are insured in the event of the death or permanent disability of your financial guarantor, and receive a monthly pension to cover all or part of your school fees. to cover all or part of your tuition fees
REVIEW GUARANTEE
Following a serious illness, hospitalization or the death of your spouse or dependent child, making it impossible for you to take the final exam, payment of a lump sum of up to the impossibility of taking the final exam, payment of a lump sum of up to 6 000€
INDIVIDUAL ACCIDENT
In the event of accidental death, your next of kin will receive a lump-sum payment of 4 575€, or in the event of permanent disability, you will receive an indemnity of up to you receive a lump-sum payment of up to 152 500€
ASSISTANCE FRANCE AND INTERNATIONAL
You benefit from assistance and numerous guarantees in France and abroad (transport/transfer, repatriation, medical advice, early return, etc.)
LEGAL PROTECTION
You are insured in the event of a dispute or litigation between you and a third party in the event of an attack on your physical or moral integrity, your identity, image or E-reputation. or moral integrity, your identity, image or E-reputation
THAT'S YOUR WORD !
Students' and work-study students' opinions
Student civil liability : 96% | 7789 ratings
4.8
96 %
StudyAssur
5/5
assurance complète et facile de souscription.
FREDERIC
Student civil liability
20/07/2024
5/5
Meilleur rapport qualité - prix Souscription facile et rapide
EBELLE MAKA
Student civil liability
20/07/2024
5/5
impecable
BERNARD
Student civil liability
20/07/2024
❝ Student Insurance : Pack of 8 guarantees, Specifically designed to cover students' day-to-day risks ❞
THE GUARANTEES OF THE “STUDENT INSURANCE” PACK
Territoriality of guarantees : The guarantee is granted worldwide (excluding high-risk jurisdictions and jurisdictions under surveillance
- list published and updated by the FATF).
When does the warranty apply ? : In the event of damage caused to a third party who calls into question your civil liability by means of a claim and
when the damaging event occurred between the effective date of the guarantee and its termination date.
Territoriality of guarantees : The guarantee is granted in mainland France and in overseas departments and communities.
(Guadeloupe, Martinique, Réunion, Saint-Barthélemy and Saint-Martin for its French part).
When does the warranty apply ? :
The financial consequences of civil liability that may fall on the insured due to consequent bodily, material and immaterial damage caused to third parties during internships
linked to the exercise of medical, surgical and paramedical professions. We also guarantee damage caused to third parties when you perform medical or paramedical procedures,
carried out exclusively within the framework of studies medical or paramedical.
The guarantee is acquired only for the insured :
• Enrolled up to the fourth year of studies (inclusive) in: medicine, speech therapy, orthoptics, physiotherapy, odontology, nursing, childcare, caregiver, radio manipulation, to the exclusion of all others,
• Enrolled up to the fifth year of study: psychology, pharmacy and midwifery,
• IRegistered in university preparation or in private or public school for the state diploma: occupational therapist, psychomotor skills or osteopathy.
• Enrolled up to the fourth year of studies (inclusive) in: medicine, speech therapy, orthoptics, physiotherapy, odontology, nursing, childcare, caregiver, radio manipulation, to the exclusion of all others,
• Enrolled up to the fifth year of study: psychology, pharmacy and midwifery,
• IRegistered in university preparation or in private or public school for the state diploma: occupational therapist, psychomotor skills or osteopathy.
The insurer intervenes only in the event of absence or insufficiency of guarantee of the insurance contract taken out by the educational establishment
or the company hosting the intern or internship supervisor.
Territoriality of guarantees : The guarantee is granted worldwide (excluding high-risk jurisdictions and jurisdictions under surveillance
- list published and updated by the FATF).
Guaranteed goods :
• Musical instruments in the event of theft by assault or break-in,
• Bicycle in the event of theft by assault or break-in / Collision with an identified third party or accidental event,
• Theft and loss of luggage as part of a journey linked to a trip,
• Theft of the laptop, video projector or other video device and university textbooks,
• Theft and loss of keys and official papers,
• Fraudulent use of cell phones,
• Equipment kit for work-study apprentices in the event of theft or loss.
• Musical instruments in the event of theft by assault or break-in,
• Bicycle in the event of theft by assault or break-in / Collision with an identified third party or accidental event,
• Theft and loss of luggage as part of a journey linked to a trip,
• Theft of the laptop, video projector or other video device and university textbooks,
• Theft and loss of keys and official papers,
• Fraudulent use of cell phones,
• Equipment kit for work-study apprentices in the event of theft or loss.
Territoriality of guarantees : The guarantee is granted worldwide (excluding high-risk jurisdictions and jurisdictions under
surveillance - list published and updated by the FATF).
When does the warranty apply:
• In the event of the death of the financial guarantor following an accident,
• In the event of total permanent disability of the financial guarantor following an accident.
• In the event of the death of the financial guarantor following an accident,
• In the event of total permanent disability of the financial guarantor following an accident.
What is guaranteed :
The monthly payment of an education pension, in your capacity as a pupil or student, to cover totally or partially your tuition fees.
Territoriality of guarantees: The guarantee is granted worldwide (excluding high-risk jurisdictions and jurisdictions under surveillance - list published and updated by the FATF).
When does the warranty apply :
• The guarantee applies during the testing period as well as one month before the start of the testing period. The “guarantee period” is the final examination period (interval between the first day and the last day of testing), as well as the month preceding the date of the first day of the last possible exam period to move on to the next year,
• In the event of serious illness,
• In the event of surgical hospitalization lasting more than 3 days or medical hospitalization lasting more than 8 days,
• In the event of the death of your spouse or dependent child.
• The guarantee applies during the testing period as well as one month before the start of the testing period. The “guarantee period” is the final examination period (interval between the first day and the last day of testing), as well as the month preceding the date of the first day of the last possible exam period to move on to the next year,
• In the event of serious illness,
• In the event of surgical hospitalization lasting more than 3 days or medical hospitalization lasting more than 8 days,
• In the event of the death of your spouse or dependent child.
What is guaranteed : Payment of a capital of 6 000€ of which you are the beneficiary, in your capacity as a pupil or student, following an event provided for in the contract.
Territoriality of the guarantees : The guarantees are acquired regardless of the place where the loss occurs. They are acquired twenty-four hours a day, seven days on seven.
When does the warranty apply :
• The guarantee applies during the testing period as well as one month before the start of the testing period. The “guarantee period” is the final examination period (interval between the first day and the last day of testing), as well as the month preceding the date of the first day of the last possible exam period to move on to the next year,
• In the event of accidental death,
• In the event of accidental disability,
• In the event of the death of your spouse or dependent child.
• The guarantee applies during the testing period as well as one month before the start of the testing period. The “guarantee period” is the final examination period (interval between the first day and the last day of testing), as well as the month preceding the date of the first day of the last possible exam period to move on to the next year,
• In the event of accidental death,
• In the event of accidental disability,
• In the event of the death of your spouse or dependent child.
What is guaranteed :
• In the event of death occurring immediately after the covered accident or following the covered accident within 2 years of it, the insurer undertakes to pay the beneficiary(ies) a capital of 4 575 euros
• In the event of accidental disability, when the insured is the victim of a covered accident and it is medically established that permanent disability persists partial or total whose rate is equal to or greater than 16%, the insurer pays the insured a variable capital depending on the disability rate of the insured:
- For a disability of 16% to 65% (inclusive): 50 000€ x rate,
- For a disability of 66% to 80% (inclusive): 80 000€ x rate,
- For a disability of 81% to 100% (inclusive): 152500€ x rate
• In the event of death occurring immediately after the covered accident or following the covered accident within 2 years of it, the insurer undertakes to pay the beneficiary(ies) a capital of 4 575 euros
• In the event of accidental disability, when the insured is the victim of a covered accident and it is medically established that permanent disability persists partial or total whose rate is equal to or greater than 16%, the insurer pays the insured a variable capital depending on the disability rate of the insured:
- For a disability of 16% to 65% (inclusive): 50 000€ x rate,
- For a disability of 66% to 80% (inclusive): 80 000€ x rate,
- For a disability of 81% to 100% (inclusive): 152500€ x rate
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In France
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The geographical coverage of assistance is valid:
• At home, for everyday assistance,
• For any travel in France or in the DROM* (beyond 50 km from home, for the “Body transfer in the event of death” service and “Medical transfer”), Travel caused for medical reasons in a hospital environment is excluded. * For DROMs, the Insured who resides usually in one of these departments and has their main residence there is covered by everyday assistance, travel expenses and transfer are understood within the department only.
In France
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The geographical coverage of assistance is valid:
• At home, for everyday assistance,
• For any travel in France or in the DROM* (beyond 50 km from home, for the “Body transfer in the event of death” service and “Medical transfer”), Travel caused for medical reasons in a hospital environment is excluded. * For DROMs, the Insured who resides usually in one of these departments and has their main residence there is covered by everyday assistance, travel expenses and transfer are understood within the department only.
When does the warranty apply? : The assistance guarantees apply following the following triggering events
• during an accident, injury or illness of the insured during a private trip to France,
• upon the death of the insured.
• during an accident, injury or illness of the insured during a private trip to France,
• upon the death of the insured.
Nature of guarantee : The guarantee consists of organizing, taking charge, advancing, monitoring or informing the insured in the face of unexpected events,
within the specific limit of each guarantee. The insured understands that only an obligation of means and not of result is attached to each guarantee.
• Listening, advice, guidance,
• Psycho-social support,
• Student life coaching,
• Extension of stay for medical reasons,
• Assistance during a private trip to France for less than 31 days,
• Assistance benefit in the event of death in France.
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Internationally
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Warranties apply worldwide.
Internationally
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Warranties apply worldwide.
Nature of guarantee : The guarantee consists of organizing, taking charge, advancing, monitoring or informing the insured in the face of unexpected events,
within the specific limit of each guarantee. The insured understands that only an obligation of means and not of result is attached to each guarantee.
• Hospital medical guidance,
• Follow-up of planned hospitalization > 3 days,
• Medical advice,
• Extension of stay for medical reasons,
• Presence of a loved one during hospitalization,
• Medical transport,
• Urgent messages,
• Death of the insured,
• Early return in the event of imminent and unavoidable risk of death,
• Search and rescue costs,
• Criminal bail abroad,
• Legal costs abroad,
• Psychological assistance,
• Unplanned event.
Territoriality of guarantees : In France and throughout the world.
When does the warranty apply?: The guarantees apply following the following triggering events
• Attack on physical or moral integrity,• Attack on identity,
• Damage to image and/or E-reputation.
Nature of guarantees :
• Telephone legal assistance,
• Reception by appointment closest to you,
• Amicable management of your disputes,
• Coverage of legal proceedings costs.
• Telephone legal assistance,
• Reception by appointment closest to you,
• Amicable management of your disputes,
• Coverage of legal proceedings costs.
TO UNDERSTAND EVERYTHING
YOUR QUESTIONS ABOUT STUDENT CIVIL LIABILITY
What is Civil Liability?
Civil liability, also known by the acronym RC, is a legal concept in the French Civil Code (Article 1382 of the Civil Code (old) - New Article 1240). New article 1240), which obliges a person to repair damage caused to a third party, whether through negligence, imprudence or fault.
As a general rule, damage means :
• bodily injury (attack on physical integrity),
• material damage (damage linked to assets),
• immaterial damage (deprivation of enjoyment of a right).
The student civil liability insurance therefore aims to protect you financially against injury or damage caused unintentionally to another person. In the absence of student liability insurance, it is you who will be directly obliged to compensate the victim for the damage.
Who can get insurance?
Our "Student Study Insurance" package, which includes civil liability and 7 other types of cover, is aimed at all students, work-study students and apprentices aged 16 to 34, regardless of nationality, provided they have a postal address in France.
❝ Student Civil Liability Insurance
in France and All over the world ❞
Where and when are you covered ?
Third-party liability, personal accident and assistance cover in France and abroad! Wherever you go in the world for your studies or internships (excluding medical internships), but also for all your school activities, extracurricular activities and your private life!
IMPORTANT: We would like to remind you that civil liability insurance is required from the start of the academic year for all enrolments in a higher education establishment. You must also present your civil liability insurance certificate before signing an internship agreement.
.❝ Student Liability Insurance ❞
Complete pack
19.95 €
Price VAT
per academic year
Online quotation and subscription