All students enrolled at IUM are required to have adequate health and personal liability coverage during their studies.
What for who?
1. If you are a French or Monegasque student under 21 years old
Students covered by the French or Monegasque national health plans (Sécurité Sociale or Caisses Sociales Monegasques) must provide us with a copy of their "carte d'assuré social".
2. If you are French or Monegasque student over 21 years old
Students must write a letter to remain their parents "ayant-droit". They need to write to their insurance company in order to stay insured under their parents' insurance.
3. If you are a citizen of the following countries
EU Health insurance member's states: Austria, Belgium, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden and UK.
Other members of the EEA insurance: Iceland, Liechtenstein, Norway and Switzerland.
Students that are eligible from the EHIC have adequate worldwide coverage. You must provide a copy of this insurance.
4. All other students
All other students who have worldwide coverage need to provide their Insurance certificate.
The ones who do not have any worldwide coverage must subscribe to the company Ascoma Insurance
, located in Monaco.
What does it cover?
The Ascoma Health insurance covers any surgery and hospitalization which follow an accident, any medical treatments (general practitioner), paramedical treatments after an accident, dental care, pharmacy fees, optical (corrective lenses), lab analysis and medical transportation.
Ascoma Insurance rate
Student Personal Liability Insurance
All IUM students must have personal liability coverage. For those students who have their health insurance with ASCOMA Insurance personal liability coverage is already included in the package.
For more information on Health and Personal Liability Insurance, please contact the receptionist at email@example.com
For your protection, French law requires tenants to have rental insurance. The housing insurance covers damage or loss of personal property (including computers and valuable items) in case of theft, fire or water damage. The housing insurance covers theft and damage to the landlord's property or belongings and repairs for broken glass to windows or sliding doors.
The policy covers civil liability and responsibility. You will be asked to give an estimated value to your personal property and the housing insurance price will be adjusted accordingly. Obviously, if you make a claim for theft you must obtain a police report and have evidence that your apartment has been broken into.
The Housing Office will assist you in taking out housing insurance, and making an insurance claim if necessary.
For more information on House Insurance, please contact the Housing Office at