Healthcare in Monaco



Citizens of Monaco enjoy a high standard of healthcare in the country. Monaco’s healthcare system is similar to that of France. To qualify for the public healthcare system of Monaco, all workers and self-employed individuals are required to pay contributions to the state-funded healthcare system called Caisses Sociales de Monaco, or CSM for short. By law, all citizens of Monaco are entitled have equal access to healthcare in the country.

It is mandatory for all workers and employers in Monaco to contribute to the Caisses Sociales de Monaco. Once an employee starts work in a company, their employers are required to register them with CSM as soon as possible. Workers pay about 15% of their gross salary for all social security benefits, including healthcare, while employers pay about 23.66% of gross payroll for healthcare. Dependent family members of the employee are also covered by the contributions they make to CSM. Meanwhile, people who are on long-term sickness benefit or maternity leave, old age pensioners and people without jobs are not required to pay healthcare contributions to CSM. Unemployed foreign nationals who are immigrating to Monaco are required to present proof of private health insurance to obtain a residence permit in the country.

All medical personnel working in the public and private health institutions in Monaco are well-trained and qualified, so Monegasque nationals and foreigners can be confident that they will be given a top quality health services in Monaco. The country has three hospitals. The Princess Grace Hospital, the general hospital of Monaco, is equipped with advanced medical facilities. The Haemodialysis Centre caters to patients with kidney-related illnesses, while the Cardio-Thoracic Centre attends to patients with thoracic and cardiac illnesses. All three hospitals are located in Monte Carlo.

In the case of self-employed individuals, their dependent family members are not covered by the public healthcare system, so they need to obtain additional insurance for them. If they register with the public health system, a medical card will be issued which they should present for every visit to the hospital or medical professional.

The state-funded healthcare system provides coverage for most health services, including hospitalization, prescriptions, treatment by specialists, pregnancy, childbirth and rehabilitation. While the public health insurance system of Monaco is more than sufficient, some people, including foreign nationals still avail of additional private health insurance to cover for fees and services which are not compensated by the public healthcare system. This type of complementary health insurance is called “amutuelle.” The contributions paid by the beneficiary for private health insurance depends on the coverage that they require.


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