{"id":26328,"date":"2025-04-07T15:28:23","date_gmt":"2025-04-07T13:28:23","guid":{"rendered":"https:\/\/www.foyerglobalhealth.com\/?post_type=destinationcpt&p=26328"},"modified":"2026-02-25T14:07:59","modified_gmt":"2026-02-25T13:07:59","slug":"international-health-insurance-for-expatriates-in-monaco","status":"publish","type":"destinationcpt","link":"https:\/\/globalhealth.insurance\/destination\/international-health-insurance-for-expatriates-in-monaco\/","title":{"rendered":"International Health Insurance for Expatriates in Monaco"},"content":{"rendered":"\n

Ready to sojourn on the dazzling Rock of Monaco overlooking the Mediterranean? A stone’s throw from France and Italy, Monaco is one of the most sought-after destinations due to the attractiveness of its tax system, its exceptional living environment and its professional opportunities in yachting, wealth management and private banking. And when it comes to healthcare, the principality is high-performing, accessible and modern.<\/p>\n\n\n\n

Global Health provides you with an overview of Monaco\u2019s healthcare system, accessible to expats from the Rock as well as to commuters who live in the French-speaking part of the country.<\/p>\n\n\n\n

Monaco\u2019s healthcare system: performance, efficiency, and accessibility<\/h2>\n\n\n\n
\n
\n

Monaco may be the smallest state in the world, but its healthcare system is accessible, modern <\/strong>and efficient<\/strong>. It is based on a compulsory public health insurance model for all residents, Monegasque and expatriate, which also extends to employees and self-employed commuters who live on the French side.<\/p>\n\n\n\n

Membership in the Caisses sociales de Monaco<\/em>, the Mon\u00e9gasque organisation responsible for social management and protection in Monaco (and in particular health insurance), is compulsory. It covers a large part of an expat\u2019s medical expenses, in particular those related to medical consultations, prescriptions and hospital care.<\/p>\n<\/div>\n\n\n\n

\n
\"A<\/figure>\n<\/div>\n<\/div>\n\n\n\n

Financing and contributions<\/h3>\n\n\n\n

Monaco is one of the few countries in the world that does not levy income tax on its residents. In reality, the Monegasque healthcare system is mainly funded by social security contributions from workers, the amount of which depends on income (on average 15% of an employees\u2019 gross salary).<\/p>\n\n\n\n

Healthcare costs and the health insurance coverage rate<\/h3>\n\n\n\n

Healthcare practitioners charge fees that vary according to the resources of the patient. Depending on their family size and age and thereafter calculated based on your income, you will be given a type of CCSS (Caisse de Compensation des Services Sociaux<\/em>) health insurance card. The type of card determines the fees to be paid to the doctor or other health practitioner.<\/p>\n\n\n\n

There are three types of cards: \u2018green\u2019 (the health practitioner applies the conventional rates); \u2018pink\u2019 (the health practitioner can charge 20% more than the conventional rates); and \u2018bubble\u2019 (free pricing by the health practitioner).<\/p>\n\n\n\n

Generally, the reimbursement rate of medical expenses is 80%<\/strong> (20% co-payment payable by the insured person); it can rise to 100% if the insured person is eligible for an exemption from the co-payment.<\/p>\n\n\n\n

\"During<\/figure>\n\n\n\n

For example, a consultation with a general practitioner costs \u20ac34.10 for an insured person with a green card and \u20ac40.92 for a holder of a pink card. A consultation with a specialist will cost \u20ac45.60 if you have a green card and \u20ac54.72 if you have a pink card. Click on the link to have more information on the fees charged by approved practitioners<\/a>.<\/p>\n\n\n\n

For healthcare provided in France outside the Alpes-Maritimes department, reimbursement rate is based on French social security rates<\/strong>.<\/p>\n\n\n\n

The insured person is generally required to advance the costs of any prescriptions they need to purchase. On the other hand, in the event of hospitalisation in the Monegasque public sector or in French public hospitals for a period of less than 30 days, the patient does not have to advance the totality of the costs, he only has to pay the patient contribution and he is exempted from this if he is a green card holder.<\/p>\n\n\n\n

If you choose, however, to go to a private medical establishment, you will have to pay the fees and accommodation costs in advance. You can then be reimbursed by your insurance upon presentation of the invoices that have been paid.<\/p>\n\n\n\n

<\/div>\n\n\n\n

Quality healthcare in Monaco<\/h2>\n\n\n\n
\n
\n
\"A<\/figure>\n<\/div>\n\n\n\n
\n

Due to its small size, the principality does not have many healthcare facilities. Nonetheless, Monegasque healthcare centres and hospitals are recognised for their innovative medical practices, their ultra-modern equipment and their preventive and patient-centric approach to healthcare. And the highly qualified nursing staff are often multilingual, a characteristic that reflects the high concentration of expatriates on the Rock.<\/p>\n<\/div>\n<\/div>\n\n\n\n

\n
\n

Princess Grace Hospital (CHPG)<\/a><\/strong><\/strong><\/p>\n\n\n\n

Named in honour of the Princess of Monaco, Grace Kelly, this innovative, cutting-edge hospital offers excellent care in various fields such as cardiology, obstetrics and oncology to Monegasque, cross-border and international patients. The qualified, multilingual medical staff provides personalised, patient-centred care.<\/p>\n<\/div>\n\n\n\n

<\/div>\n\n\n\n
\n

Le Centre cardio-thoracique de Monaco<\/a><\/strong><\/p>\n\n\n\n

Created in 1987, this centre is a hospital dedicated to the treatment of thoracic and cardiovascular pathologies on a single platform. A pioneer in minimally invasive surgery, it offers excellent surgical care thanks to cutting-edge technology and a multidisciplinary approach to heart and lung disease.<\/p>\n<\/div>\n<\/div>\n\n\n\n

Other reputable and more specialised healthcare establishments include the Monaco Haemodialysis Centre, the Rainier III Centre for Clinical Gerontology and the Monegasque Institute of Sports Medicine and Surgery.<\/p>\n\n\n\n

Some specific features of the Monegasque healthcare system<\/h2>\n\n\n\n