Last Updated: March 11, 2026
Table of Contents
- The 2019 Reform: How France Simplified Health Insurance for International Students
- CVEC: The €103/Year Mandatory Student Contribution
- How to Register for French Social Security (Securite Sociale) — Step-by-Step
- What Does French Securite Sociale Actually Cover? — The 70% Rule
- Mutuelle (Complementary Health Insurance) — Covering the Remaining 30%
- Dental and Optical Coverage in France — What Indian Students Should Know
- Private Insurance for the First 2-3 Months — Why It Is Essential
- Emergency Medical Care in France — What to Do in an Emergency
- CSS (Complementaire Sante Solidaire) — Free Mutuelle for Low-Income Students
- Mental Health Support for Indian Students in France
- Health Insurance Timeline: From India to France — Complete Checklist
- Frequently Asked Questions (FAQ)
🕑 17 min read
Since 2019, all international students in France — including Indian students — are automatically enrolled in the French national health insurance system (Securite Sociale/Assurance Maladie) at no additional premium cost, covering approximately 70% of medical expenses including doctor visits, hospital stays, and prescriptions. You must pay the mandatory CVEC (Contribution Vie Etudiante et de Campus) of €103 per year to activate your student status, after which you register on the Ameli.fr portal and receive your Carte Vitale (health insurance card) within 2-3 months. For the remaining 30% of costs not covered by basic Securite Sociale, most Indian students opt for a complementary insurance called a “mutuelle” from providers like LMDE, HEYME, or SMENO at €15-40/month. During your first few months before the Carte Vitale arrives, private travel/health insurance from India is essential to cover any medical needs.
Health Insurance for Indian Students in France — Quick Answer
| Coverage Component | Cost | INR Equivalent | Coverage |
|---|---|---|---|
| CVEC (Mandatory Student Contribution) | €103/year | ₹9,270/year | Activates student status |
| French Securite Sociale (Basic) | FREE | ₹0 | ~70% of medical costs |
| Mutuelle (Complementary — Optional) | €15-40/month | ₹1,350-3,600/month | Remaining 20-30% |
| Private Insurance (First 2-3 months) | €30-60/month | ₹2,700-5,400/month | Full coverage until Carte Vitale |
| Total Annual Health Cost (with Mutuelle) | €283-583/year | ₹25,470-52,470/year | Near-complete coverage |
Source: Ameli.fr (French Health Insurance), Campus France 2025-26 Guidelines | EUR 1 = ₹90 (approx.) | Updated: March 2026
Last Updated: March 2026 | Data verified against Ameli.fr official guidelines, Campus France 2025-26 health insurance requirements, CVEC 2025-26 fee schedule, and Kadamb Overseas student feedback from France (students placed since 2010)
The 2019 Reform: How France Simplified Health Insurance for International Students
Before 2019, international students in France had to navigate a confusing system of student-specific health insurance providers (like LMDE or SMEREP), pay separate premiums (around €215-250/year), and deal with multiple administrative layers. The system was notoriously complex and often left Indian students without proper coverage for weeks after arrival.
In September 2019, the French government introduced a major reform: all students — French and international alike — are now directly affiliated with the national social security system (Regime General de la Securite Sociale) managed by the CPAM (Caisse Primaire d’Assurance Maladie). This means that as an Indian student enrolled in a recognised French university, you are automatically entitled to the same healthcare coverage as French citizens, at no additional premium cost.
The only mandatory payment is the CVEC (Contribution Vie Etudiante et de Campus) of €103/year, which is not an insurance premium but a student life contribution that funds campus health services, sports facilities, cultural activities, and student welfare programmes. Every student in France must pay the CVEC regardless of nationality.
Good News for Indian Students: France is one of the very few countries in Europe where international students get access to the national healthcare system at virtually zero additional cost. Compare this to the UK (NHS surcharge of £470/year), Germany (€110/month for public insurance), or Canada (varies by province, ₹30,000-60,000/year). France’s healthcare coverage for students is among the most generous in the world.
CVEC: The €103/Year Mandatory Student Contribution
The CVEC (Contribution Vie Etudiante et de Campus) is a mandatory annual contribution that every student in France must pay before they can complete their university enrolment. Here is everything Indian students need to know about it:
How to Pay the CVEC
- Go to the official CVEC portal: cvec.etudiant.gouv.fr
- Create an account using your university email address or personal email
- Pay €103 online via credit/debit card (Indian international cards work) or bank transfer
- Download your CVEC attestation (certificate) — you will need this to complete your university enrolment
- The CVEC must be paid each academic year (September to September)
What Does CVEC Fund?
- Campus health services: University health centres (SUMPPS/SSU) where you can see doctors, psychologists, and nurses for free or reduced rates
- Sports facilities: Access to university sports centres, gyms, swimming pools, and sports clubs
- Cultural activities: Student cultural programmes, theatre, music, art workshops
- Student welfare: Support services including mental health counselling, disability support, and academic assistance
CVEC Exemption: Students on French government scholarships (boursiers) are exempt from the CVEC. If you hold an Eiffel Scholarship, Campus France Charpak Scholarship, or any bourse du gouvernement francais, you can apply for a CVEC exemption on the portal and receive a free attestation.
“One of the biggest advantages of studying in France that most Indian families overlook is the healthcare system. After paying just €103/year for CVEC, your child gets access to the French Securite Sociale — the same system that covers 67 million French citizens. A visit to a general practitioner costs €26.50, of which Securite Sociale reimburses €18.55. With a basic mutuelle on top, the reimbursement is close to 100%. For comparison, a single emergency room visit in the USA can cost $2,000-5,000 without insurance. This is a huge financial safety net for Indian students and parents.”
— Saumitra Rajput, Founder, Kadamb Overseas (Ahmedabad)
How to Register for French Social Security (Securite Sociale) — Step-by-Step
Once you arrive in France and complete your university enrolment, you need to register for the national health insurance system. Here is the exact process for Indian students:
Step 1: Complete University Enrolment
First, complete your administrative enrolment (inscription administrative) at your university. You will need your CVEC attestation, passport, visa, admission letter, and proof of accommodation. The university will issue you a student card (carte etudiante) and a certificate of enrolment (certificat de scolarite).
Step 2: Register on the Ameli.fr Portal
Go to etudiant-etranger.ameli.fr — this is the dedicated portal for international students to register for French health insurance. You will need to provide:
- Your passport (identity page and visa page)
- Your birth certificate (translated into French by a sworn translator — traducteur assermente)
- Your certificate of enrolment from the university
- Your French address (proof of accommodation)
- Your French bank details (RIB — Releve d’Identite Bancaire) for reimbursements
Important Tip: You will need a French bank account (RIB) to receive health insurance reimbursements. Open a bank account at BNP Paribas, Societe Generale, or an online bank like Boursorama/N26 as soon as possible after arrival. Many banks offer free student accounts. Kadamb Overseas provides a pre-departure checklist that includes opening a French bank account within your first week.
Step 3: Receive Your Temporary Social Security Number
After submitting your registration on etudiant-etranger.ameli.fr, you will receive a temporary social security number (numero provisoire) via email within 2-4 weeks. This temporary number allows you to start using the health system and getting reimbursements, even before your permanent number and Carte Vitale are issued.
Step 4: Receive Your Attestation de Droits
You will receive an attestation de droits (certificate of rights) — a document confirming your affiliation with the French health insurance system. This document shows your social security number and confirms your coverage. You can download it from your Ameli.fr account once your registration is processed.
Step 5: Receive Your Carte Vitale
The Carte Vitale is a green credit-card-sized card with a chip that stores your health insurance information. When you visit a doctor, pharmacy, or hospital, you present this card and the system automatically processes your reimbursement. The Carte Vitale typically arrives 2-3 months after registration, sometimes longer. In the meantime, you can use your attestation de droits and present feuilles de soins (paper claim forms) for manual reimbursement.
What Does French Securite Sociale Actually Cover? — The 70% Rule
The French Securite Sociale operates on a reimbursement basis. You typically pay the doctor or pharmacy upfront, and then the system reimburses a percentage of the cost (usually 70% for most consultations and treatments) directly to your French bank account. Here is a detailed breakdown of what is covered and how much is reimbursed:
| Medical Service | Typical Cost | Securite Sociale Reimburses | You Pay (Without Mutuelle) |
|---|---|---|---|
| General Practitioner (Medecin Generaliste) | €26.50 | €18.55 (70%) | €7.95 (₹715) |
| Specialist Consultation (Medecin Specialiste) | €30-60 | 70% of base rate | €9-18 (₹810-1,620) |
| Prescription Medicines (Generic) | Varies | 65-100% | 0-35% of cost |
| Hospital Stay (Public Hospital) | €500-2,000+/day | 80% | 20% + daily charge €20 |
| Blood Tests / Lab Work | €20-80 | 60-70% | 30-40% of cost |
| X-Ray / Radiology | €30-150 | 70% | 30% of cost |
| Dental Check-up | €23-30 | 70% | €7-9 (₹630-810) |
| Eye Examination | €25-40 | 70% | €7.50-12 (₹675-1,080) |
| Emergency Room Visit (Urgences) | €25-70 (consultation) | 80% | 20% of consultation |
| Pregnancy / Maternity (from month 6) | All costs | 100% | €0 |
Understanding the Parcours de Soins Coordonne (Coordinated Care Pathway)
To get the full 70% reimbursement rate, you should choose a medecin traitant (treating doctor / primary care physician) and register them with your CPAM. This doctor becomes your first point of contact for all non-emergency health issues. If you visit a specialist without a referral from your medecin traitant, the reimbursement rate drops to 30% instead of 70%. This system is called the parcours de soins coordonne and is designed to ensure efficient use of the healthcare system.
To register a medecin traitant, simply visit a general practitioner near your accommodation, tell them you would like to declare them as your medecin traitant, and they will help you fill out the declaration form (declaration de choix du medecin traitant). The doctor submits it electronically through your Carte Vitale.
Mutuelle (Complementary Health Insurance) — Covering the Remaining 30%
While Securite Sociale covers approximately 70% of most medical costs, the remaining 30% (called the ticket moderateur) is your responsibility unless you have a mutuelle — a complementary health insurance that covers the gap. For Indian students, a mutuelle is not legally mandatory, but it is highly recommended because even a 30% share of a hospital stay or surgery can be very expensive.
Best Mutuelle Options for Indian Students in France (2025-26)
| Provider | Monthly Cost | INR/Month | Key Features | Best For |
|---|---|---|---|---|
| HEYME (formerly SMEREP) | €9-35 | ₹810-3,150 | Multiple tiers; dental/optical options; easy online sign-up | Most popular for international students |
| LMDE | €15-33 | ₹1,350-2,970 | Strong student focus; good hospital coverage; affordable plans | Budget-conscious students |
| SMENO | €12-38 | ₹1,080-3,420 | Good coverage for northern France; comprehensive plans | Students in Lille, Strasbourg, northern cities |
| MGEL | €14-40 | ₹1,260-3,600 | Strong in eastern France; good dental/optical coverage | Students in Strasbourg, Nancy, Metz |
| Alan (Online) | €18-45 | ₹1,620-4,050 | 100% digital; fast reimbursements; modern interface; English support | Tech-savvy students wanting digital-first experience |
What Does a Mutuelle Cover That Securite Sociale Does Not?
- The 30% ticket moderateur: The portion of standard medical costs not covered by Securite Sociale
- Dental care beyond basics: Crowns, bridges, root canals, orthodontics — dental work in France can be expensive, and Securite Sociale covers very little beyond basic check-ups
- Optical/eyewear: Glasses and contact lenses are very poorly covered by Securite Sociale (only €3-4 reimbursed on a €150 pair of glasses). A mutuelle can cover €100-300 towards eyewear depending on the plan
- Hospital room upgrade: Securite Sociale covers shared hospital rooms. A mutuelle can cover single-room supplements
- Alternative medicine: Some mutuelles cover osteopathy, acupuncture, or homeopathy sessions (1-4 sessions/year)
- Forfait journalier hospitalier: The €20/day hospital charge that Securite Sociale does not cover — the mutuelle pays this
“I strongly advise every Indian student going to France to take at least a basic mutuelle plan — even the cheapest €12-15/month option. The reason is simple: if you need dental work (a filling, a crown), without a mutuelle, you could end up paying €300-500 out of pocket because Securite Sociale barely covers dental procedures. A ₹1,350/month mutuelle can save you from a ₹30,000-40,000 dental bill. Most of our students at Kadamb Overseas choose the HEYME or LMDE mid-tier plans at around €20-25/month and find it excellent value.”
— Saumitra Rajput, Founder, Kadamb Overseas (Ahmedabad)
Dental and Optical Coverage in France — What Indian Students Should Know
Dental Care
Dental care in France is divided into two categories: basic dental care (consultations, fillings, extractions) which is partially covered by Securite Sociale, and prosthetic/cosmetic dental care (crowns, bridges, implants, orthodontics) which has very limited Securite Sociale coverage. Here is what you should know:
- Basic dental check-up: €23-30 — Securite Sociale reimburses 70%, you pay about €7-9
- Dental filling: €30-80 depending on the tooth — Securite Sociale covers 70% of the base rate
- Crown: €400-800 — Securite Sociale covers only about €75 (based on the base rate of €107.50). Without a mutuelle, you pay €325-725 out of pocket
- Root canal: €150-400 — Securite Sociale covers 70% of the base rate (which is much lower than the actual cost)
- Orthodontics: Only covered for patients under 16 years old — adult orthodontics is not covered by Securite Sociale
Since 2020, France introduced the “100% Sante” reform for dental care, which created a basket of dental prosthetics (crowns, bridges, dentures) that are fully covered by the combination of Securite Sociale + mutuelle. This means if you have a mutuelle, certain standard crowns and bridges are covered at 100% with zero remaining cost to you. This reform is a significant benefit — but only if you have a mutuelle.
Optical/Eyewear
If you wear glasses or contact lenses, understanding optical coverage in France is important. Securite Sociale provides minimal coverage for eyewear — the reimbursement is based on outdated base rates and typically amounts to only €3-4 for a pair of glasses. This makes a mutuelle almost essential for students who need corrective eyewear:
- Eye examination: €25-40 — Securite Sociale covers 70% if you go through your medecin traitant
- Glasses (frames + lenses): €80-400 — Securite Sociale reimburses almost nothing. A mutuelle can cover €100-300 depending on the plan (usually once every 2 years)
- Contact lenses: Securite Sociale covers contact lenses only with a medical prescription for specific conditions (keratoconus, extreme myopia). Otherwise, no coverage without a mutuelle
- 100% Sante optical: Under the 100% Sante reform, a basic pair of glasses from the “100% Sante” basket is fully covered by Securite Sociale + mutuelle. The frames are limited to €30 and the lenses are standard, but the out-of-pocket cost is €0
Private Insurance for the First 2-3 Months — Why It Is Essential
There is a critical gap that many Indian students overlook: the period between your arrival in France and the activation of your Securite Sociale coverage (receipt of your Carte Vitale or attestation de droits). This gap can be 2-3 months, and during this time, you technically have no French health insurance. If you fall sick, have an accident, or need emergency medical care during these initial weeks, you would have to pay the full cost out of pocket — which can be extremely expensive in France.
What Private Insurance Do You Need?
For the initial months, you need either a private travel health insurance policy from India or a private international student insurance policy. Here are your options:
| Option | Approximate Cost | Coverage | Duration |
|---|---|---|---|
| Indian Travel Insurance (Bajaj Allianz, ICICI Lombard, etc.) | ₹5,000-15,000 for 3 months | €50,000-100,000 medical coverage | 3-6 months |
| Dr. Walter / Care Concept (Germany-based, covers France) | €30-50/month | Full medical coverage in EU | Monthly basis |
| AXA / Allianz France Student Plan | €40-60/month | Comprehensive France coverage | Monthly basis |
| University-recommended insurance | Varies | Varies | Until Securite Sociale activates |
Do NOT Skip This: The French consulate in India requires proof of health insurance for your visa application. You must show coverage for at least the first 3 months. An Indian travel insurance policy with minimum €30,000 medical coverage (Schengen visa requirement) is mandatory at the visa stage. Keep this policy active until your French Securite Sociale is confirmed.
Emergency Medical Care in France — What to Do in an Emergency
France has one of the best emergency medical systems in the world. As an Indian student, knowing how to access emergency care can be critical. Here is what you need to know:
Emergency Numbers in France
- 15 — SAMU: Medical emergencies (ambulance). This is the primary number for serious medical situations. SAMU dispatches an ambulance or provides medical advice over the phone
- 112 — European Emergency Number: Works everywhere in the EU; connects to emergency services; operators often speak English
- 18 — Pompiers (Fire Brigade): Also handles medical emergencies and accident rescue
- 114 — SMS Emergency: For deaf/hard-of-hearing individuals or situations where you cannot speak
Emergency Room (Urgences) Process
If you go to a hospital emergency room (urgences) in France, here is what happens:
- You will be triaged based on the severity of your condition — life-threatening cases are treated immediately
- Present your Carte Vitale (or attestation de droits) and mutuelle card if you have them
- If you do not have French insurance yet, present your private insurance card and passport
- Emergency care is NEVER refused in France, regardless of your insurance status — you will always be treated
- You may receive a bill afterwards if you have no insurance, but the hospital will work with you on payment
Reassurance for Indian Parents: Under French law, no hospital can refuse emergency treatment to any person, regardless of nationality, visa status, or insurance coverage. If your child needs emergency medical care in France, they WILL be treated. The billing is handled separately and can be managed through insurance reimbursement or payment plans. France does not follow the US model where insurance status affects emergency care quality.
CSS (Complementaire Sante Solidaire) — Free Mutuelle for Low-Income Students
If your annual income is below a certain threshold (approximately €10,000/year for a single person in 2025-26), you may qualify for the CSS (Complementaire Sante Solidaire) — formerly known as CMU-C. This is essentially a free mutuelle provided by the French state that covers the ticket moderateur, dental, optical, and even hearing aids at 100%, with zero monthly premium.
Many Indian students qualify for CSS because their declared income in France (excluding family support from India) is typically below the threshold. However, the application process can be complex and requires proof of income (or lack thereof) in France. Your university’s international student office or the local CPAM can help you apply.
“Many Indian students in France do not know about CSS — the free mutuelle for low-income residents. Since most students’ declared income in France is below the threshold, they can potentially get complete healthcare coverage — Securite Sociale plus mutuelle — for absolutely zero cost beyond the €103 CVEC. At Kadamb Overseas, we now include CSS application guidance in our post-arrival support package because this single benefit can save a student €200-400 per year in mutuelle premiums.”
— Saumitra Rajput, Founder, Kadamb Overseas (Ahmedabad)
Mental Health Support for Indian Students in France
Moving to a new country, adapting to a different language and culture, and handling academic pressure can be stressful. France offers several mental health support options for students:
- University health services (SUMPPS/SSU): Every French university has a student health service that offers free or low-cost consultations with psychologists and psychiatrists. These are covered by your CVEC contribution
- Sante Psy Etudiant: A French government programme that provides up to 8 free psychological consultations per year for students (no prior mental health diagnosis needed). You get a referral from your university health service or general practitioner
- CMP (Centre Medico-Psychologique): Free public mental health centres where you can see psychiatrists and psychologists at no cost. Waiting times can be 2-4 weeks
- Nightline: A student-run listening service available in many French cities, offering anonymous phone support in the evenings — some Nightline branches offer English-language support
- Private psychologists: Consultations cost €50-80/session. Securite Sociale covers psychologist visits only through the Sante Psy programme or with a doctor’s referral. Psychiatrist visits are covered at 70% as specialist consultations
Health Insurance Timeline: From India to France — Complete Checklist
| When | Action | Details |
|---|---|---|
| Before Visa Application | Buy private health insurance from India | Min €30,000 coverage, valid for 3+ months, Schengen-compliant |
| Before Departure | Pay CVEC online | €103 at cvec.etudiant.gouv.fr — download attestation |
| Week 1 in France | Complete university enrolment | Get student card and certificate of enrolment |
| Week 1-2 | Open French bank account | Get RIB for health insurance reimbursements |
| Week 2-3 | Register on etudiant-etranger.ameli.fr | Submit passport, birth certificate, enrolment proof, RIB |
| Month 1-2 | Choose a medecin traitant | Register your primary care doctor with CPAM |
| Month 1-2 | Subscribe to a mutuelle (optional but recommended) | HEYME, LMDE, SMENO — €15-40/month |
| Month 2-3 | Receive temporary social security number + attestation | Start using French health system for reimbursements |
| Month 3-4 | Receive Carte Vitale | Automatic reimbursements activated |
| Month 3-4 | Cancel private insurance from India | Only after Securite Sociale is fully active |
| Optional | Apply for CSS (free mutuelle) | If your income is below the threshold — contact CPAM |
Frequently Asked Questions (FAQ)
Q1: Do I need to pay for health insurance separately in France as a student?
No. Since 2019, international students are automatically affiliated with French Securite Sociale at no extra premium. You pay only the CVEC (€103/year). A mutuelle (€15-40/month) is optional but recommended to cover the 30% gap. There is no separate student health insurance fee as existed before 2019.
Q2: Can I use my Indian health insurance in France?
Indian health insurance policies (like Star Health, Max Bupa, or company group insurance) generally do not provide coverage in France for day-to-day medical needs. They may cover emergency hospitalisation abroad, but the claim process is complex and reimbursement is slow. You need French Securite Sociale for regular healthcare in France. Keep your Indian travel insurance only for the initial months before Securite Sociale activates.
Q3: What happens if I need medical care before my Carte Vitale arrives?
You can still see doctors and get treatment. Pay the full consultation fee upfront and either use your private insurance to claim reimbursement, or save the feuille de soins (paper claim form) and submit it to your CPAM once your social security number is active. The reimbursement may take 2-4 weeks but you will receive it. If you have your temporary social security number and attestation de droits, many pharmacies and doctors can process electronic reimbursement directly.
Q4: Is dental treatment expensive in France for students?
Basic dental care (check-ups, fillings, extractions) is reasonably affordable with Securite Sociale covering 70%. However, dental prosthetics (crowns, bridges) can be very expensive — €400-800+ for a crown. With the 100% Sante reform, standard crowns from the approved basket are fully covered if you have a mutuelle. Without a mutuelle, dental prosthetics are the biggest out-of-pocket health expense for students in France. We strongly recommend a mutuelle with dental coverage.
Q5: Does French health insurance cover me when I travel within Europe?
Yes. Once you have your French Securite Sociale, you can apply for a CEAM (Carte Europeenne d’Assurance Maladie) — the European Health Insurance Card. This card entitles you to state-provided healthcare in all EU/EEA countries and Switzerland on the same terms as citizens of that country. You can request the CEAM through your Ameli.fr account. It is free and valid for 2 years. This is extremely useful for Indian students who want to travel across Europe during vacations.
Q6: What if I have a pre-existing medical condition?
French Securite Sociale does not exclude pre-existing conditions. Once you are registered, all medical conditions — including those you had before arriving in France — are covered under the standard reimbursement system. For long-term chronic conditions (ALD — Affection de Longue Duree, such as diabetes, asthma, or cardiovascular disease), you can apply for 100% coverage through the ALD programme, which eliminates the ticket moderateur entirely for treatments related to the declared condition.
Key Takeaways — Health Insurance for Indian Students in France
- Free Securite Sociale: Since 2019, all students get national health insurance at no premium cost — only €103/year CVEC is required.
- 70% coverage: Basic Securite Sociale reimburses approximately 70% of most medical costs including GP visits, specialists, prescriptions, and hospital stays.
- Get a mutuelle: For €15-40/month, a complementary insurance (HEYME, LMDE, SMENO) covers the remaining 30% plus dental and optical.
- First months matter: Buy private health insurance from India (₹5,000-15,000 for 3 months) to cover the gap before your Carte Vitale arrives.
- Register early: Go to etudiant-etranger.ameli.fr within your first 2 weeks in France to start the registration process.
- CSS option: Low-income students may qualify for a free mutuelle (CSS) — ask your CPAM.
- Dental/Optical: Securite Sociale alone is weak for dental and optical. A mutuelle is essential if you need glasses or dental work.
- Emergency care guaranteed: French hospitals NEVER refuse emergency treatment regardless of insurance status.
Need help understanding French health insurance before you travel? Contact Kadamb Overseas, Ahmedabad — Gujarat’s trusted study-abroad consultancy with comprehensive pre-departure and post-arrival support for Indian students in France.
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Saumitra Rajput
Saumitra Rajput is the founder and lead counsellor at Kadamb Overseas, India's trusted Europe education consultancy based in Ahmedabad. With 14+ years of hands-on experience, he has personally guided 500+ students to universities across Germany, Switzerland, France, Italy, Austria, and Spain. Saumitra has visited partner universities across Europe, holds deep expertise in European visa processes, scholarships, and student life, and has achieved a 97% visa success rate for his clients. He is the host of the YouTube channel "Europe with Saumitra", where he shares first-hand insights on studying and living in Europe. His mission: make Europe accessible to every Indian student, with zero consultancy fees.
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