Healthcare in Monaco



Monaco, the sunny state situated on the Mediterranean coastline is indeed an irresistible destination because of its amazing culture and dynamic economy. Expatriates bound here will not be disappointed since this country offers not just thriving employment opportunities but also top-notch healthcare services.

The Principality of Monaco is one of the smallest sovereign states in the world, but its geographical size did not hinder this nation from providing nothing but the best to its citizens. In fact, Monaco boasts an excellent standard of a healthcare system that is quite similar to what France has. Life expectancy in this country is high and is at 81 years on average which proves that Monegasques are enjoying quality services that help them maintain a healthy lifestyle. Like all healthcare systems abroad, Monaco also has a private and public health sector whereas the latter is primarily dependent on contributions by employees and employers.

Healthcare Coverage for Expats

By law, all citizens of Monaco are entitled to have equal access to healthcare in the country. To qualify for the public healthcare system of Monaco, all workers and self-employed individuals (locals and expats) are required to pay contributions to the state-funded healthcare system called Caisses Sociales de Monaco, or CSM for short. 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. Once affiliated with the Monegasque social security system, expats will receive a card called Carte d’immatriculation which will give them the right to access medical as well as dental services. This state-funded healthcare system provides coverage for:

  • Inpatient and outpatient hospitalisation
  • Prescribed medicines
  • Treatment by specialists
  • Pregnancy and Childbirth
  • Rehabilitation

Dependent family members of the employee are also covered by the contributions they make to CSM. Meanwhile, people who are on a 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.

Visiting a Doctor

All medical personnel working in 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. Doctors or GPs in Monaco are called médecin traitant. Nationals of this country and expats that are members of the CSM are allowed to register with a doctor of their choice. However, one must ensure that their chosen GP is affiliated with the CSM or else, he will need to pay for the consultation and medical fees. GPs that are part of the CSM scheme are allowed to prescribe drugs, treat acute and chronic illnesses, provide and promote health education and provide a referral in case the patient needs to see a specialist.

Hospitals in Monaco

Patients are admitted to a Monegasque hospital either through a referral by their GP or through the emergency department (ER). Expats should know as early as now that this country only has a few major hospitals but the quality of these medical facilities is on par with the most excellent international standards. Currently, there are only three hospitals in Monaco, and all are situated in Monte Carlo, the capital.

1 Avenue Pasteur, 98012 Monaco

Tel: +377 97 98 99 00

11 bis Avenue d'Ostende, 98000 Monaco

Tel: +377 92 16 80 00

32-34 Quai Charles Rey BP707 - 98014 Monaco

Tel: +377 92 05 68 00


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