Health insurance in Monaco
Health insurance in Monaco is important if you want to expatriate, go on vacation or even enjoy your retirement!
First and foremost, Monaco, the jewel of the Côte d’Azur, offers an experience of luxury and refinement that is unique in the world. With its sunny climate, breathtaking coastal scenery and exclusive atmosphere, Monaco is a popular destination. Students benefit from top-quality academic institutions in a cosmopolitan environment. Expatriates appreciate the security, tax benefits and exceptional living environment. Vacationers are particularly interested in the world-renowned casinos, prestigious events and lively cultural life. Retirees find here an unrivalled quality of life, surrounded by first-class health services and idyllic landscapes.
For a carefree stay, our health insurance offers you comprehensive coverage. Study, work, explore or retire in Monaco with complete peace of mind with our insurance. We recommend that you complement this coverage with health insurance for Monaco for optimum coverage. Particularly if you are considering treatment in private facilities or abroad.
Student insurance Monaco
The insurance that covers your stay for your studies in Monaco.
From
27€
- Worldwide coverage
- Maximum age: 35
- Covers emergencies and accidents
- Covers hospitalization and routine medical care
- Up to €250,000 per year
- Standard dental and optical expenses up to €550
- Contraception coverage + vaccines
- Maternity care
- Covers pre-existing conditions
- Repatriation assistance
- Civil liability
- Individual protection
Expatriate insurance Monaco
Health insurance to cover your expatriation to Monaco.
From
93€
- Worldwide coverage
- Minimum age: 14
- Maximum age: 65
- Covers hospitalization and routine medical care
- Up to €1,500,000 per year
- Maternity coverage up to €4,000
- Coverage of assisted reproduction up to €1,500
- Covers pre-existing conditions
- Coverage of pharmaceutical expenses up to €370
- Optional dental and optical care
- Maternity plus option
- Prevention and well-being as an option
- Optional repatriation assistance
- Optional third-party liability
Travel insurance Monaco
International health insurance to cover your trip to Monaco.
From
30€
- Worldwide coverage
- Maximum age: 85
- Covers emergencies and accidents
- Up to €500,000 per trip
- Covers loss, theft or destruction of luggage
- Repatriation assistance
- Travel assistance
- Civil liability
Any questions? Need advice?
Information on health insurance in Monaco
Political system: Principality
Capital: Monaco
Surface area: 2.02 km²
Population: 37,000
Languages spoken: French
Currency: Euro
How does Monaco's healthcare system work?
Public health in Monaco is recognized for its high quality and efficiency. Indeed, Monaco provides coverage to all citizens and long-term residents who have contributed to the country’s social security system. French and Italian citizens are also entitled to public healthcare in Monaco, provided they have made regular contributions to their national healthcare system.
Foreigners arriving in Monaco must therefore register with the Caisses Sociales de Monaco to access the public healthcare system, which requires regular contributions. We therefore recommend that you take out health insurance in Monaco. This additional insurance can offer broader coverage and care options that are not always available through the public healthcare system. Indeed, specialized services that may require intervention outside Monaco or to guarantee more comprehensive coverage when traveling internationally.
Do I need to take out health insurance in Monaco?
First of all, you should know that employers are required to enroll their new employees in the CSM scheme as soon as they are hired. In addition, unemployed people or expatriates without an employment contract in Monaco should consider private health insurance to cover medical expenses not covered by the public system.
Where to get treatment in Monaco?
Monaco has a number of healthcare facilities, including the Centre Hospitalier Princesse Grace (CHPG), which is the main general hospital, offering high-quality care. There are also private clinics, notably the Clinique de Monte-Carlo, which offers specialized services often preferred by those seeking faster, world-class care.
What are Monaco's emergency numbers?
In Monaco, the emergency numbers for medical services are 112 and 18 for an ambulance. When you dial these numbers, you’ll be connected directly to a competent service that will assess the seriousness of your situation and dispatch the necessary assistance. Communication can be in English or French, depending on your preference.
How much do medical expenses cost in Monaco?
Medical costs in private clinics in Monaco may seem high! In fact,private clinics in Monaco often charge fees in line with the recommendations of professional associations.
Here are some examples of costs for consultations and interventions:
- Consultation with a general practitioner between €100 and €150.
- Consultation with a specialist from €200.
- Major surgery The cost of major surgery is generally in excess of €8,000.
Maternity in Monaco
Firstly, in a private clinic in Monaco, costs for a vaginal delivery start at around €10,000. They may also include additional costs such as an epidural, anaesthetist’s fees, fees for a night birth, or an extra bed for an accompanying person.
Here are some examples of typical medical costs at a private clinic in Monaco:
- Delivery: approximately €5,000.
- Caesarean section: approximately €12,000.
- Peridural: approximately €1,000.
- Anesthesia: approximately €3,000.
- Accommodation costs for the baby (normal delivery): approx. €500.
- Accommodation costs for the baby (Caesarean delivery): approx. €1,000.
- Private room: around €1,000 per day.
Maternity preparation
It’s also a good idea to pack a maternity suitcase containing the items you’ll need for the birth and for your stay at the clinic, as not all clinics provide everything you need.
Is it necessary to take out health insurance in Monaco?
Absolutely, especially if you are not covered by Monaco’s social security system. Also, if you require a higher level of care in private establishments. We strongly recommend that residents and travelers alike take out private health insurance. This avoids unforeseen expenses and provides comprehensive coverage. This also applies to people wishing to expatriate to Monaco, as health-related costs are particularly high in the principality.
Which health insurance for Monaco?
For optimum coverage, health insurance policies offer extensive protection, which can therefore include specialized care, medical procedures abroad, and flexibility in the choice of healthcare providers.
So, whether your stay in Monaco is short or long term, it’s essential to prepare your health cover properly to make the most of your experience in complete safety.
By choosing Mondassur for your private health insurance, you’re opting for a flexible, comprehensive solution that’s perfectly adapted to life in Monaco. Our aim is to give you the peace of mind you need to make the most of your experience in Monaco, knowing that you and your loved ones are well protected, whatever the circumstances.
