Expatriate health insurance in Monaco | Mondassur
Are you a Monegasque or interested in becoming one? Think about your expatriate health insurance in Monaco.
If you’re thinking of moving to Monaco, this is a great idea! This glamorous principality, nestled between France and the Mediterranean, is famous for its luxurious lifestyle, pleasant climate and advantageous tax system. Working in Monaco can be very rewarding, with salaries often higher than elsewhere in Europe. The principality attracts internationally renowned companies. They are particularly active in the financial, luxury tourism and service sectors.
However, note that expatriate life in Monaco is among the most expensive in the world. Rents here are particularly exorbitant, and daily expenses can quickly mount up. What’s more, the costs associated with other services, such as healthcare, can be very high. We therefore recommend that you take out expatriate insurance in Monaco before you leave. Mondassur offers adequate coverage for all medical care required during your stay in Monaco, depending on your needs.
Our insurance offers for expatriates in Monaco
Expatriate Insurance Monaco Gold Nomad Expat
Our policy with good levels of cover, suitable for your expatriation to Monaco.
From
74€
- Worldwide coverage
- Maximum age: 65
- Covers up to 100% of routine medical care
- 100% hospitalization coverage
- Up to €500,000 per year
- Maternity coverage up to €4,500
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Repatriation assistance
- Civil liability
- Individual protection
Expatriate insurance Monaco Gold Expat Access
Economical international health insurance tailored to your expatriation plans.
From
93€
- Worldwide coverage
- Minimum age: 14
- Maximum age: 65
- Covers 80% of routine medical care
- 100% hospitalization coverage
- Up to €750,000 per year
- Maternity coverage up to €4,500
- Coverage of assisted reproduction up to €500
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Free choice of practitioners and hospitals abroad
- Optional dental and optical care
- Optional repatriation assistance
- Optional third-party liability
Expatriate insurance Monaco Gold Expat
Safe
Health insurance that provides effective cover against accident and illness.
From
107€
- Worldwide coverage
- Minimum age: 14
- Maximum age: 65
- Covers 90% of routine medical care
- 100% hospitalization coverage
- Up to €1,000,000 per year
- Maternity coverage up to €4,500
- Coverage of assisted reproduction up to €1,000
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Optional dental and optical care
- Maternity plus option
- Prevention and well-being as an option
- Optional repatriation assistance
- Optional third-party liability
Expatriate insurance Monaco Gold Expat Premium
Our most comprehensive expatriate health insurance, tailored to your expatriation in Monaco.
From
138€
- Worldwide coverage
- Minimum age: 14
- Maximum age: 65
- Covers up to 100% of routine medical care
- 100% hospitalization coverage
- Up to €1,500,000 per year
- Maternity coverage up to €6,000
- Coverage of assisted reproduction up to €1,500
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Optional dental and optical care
- Maternity plus option
- Prevention and well-being as an option
- Optional repatriation assistance
- Optional third-party liability
Any questions? Need advice?
Choosing health insurance in Monaco
| Number of public hospitals | 1 |
| Number of private hospitals | 5 |
| Number of doctors per 1,000 inhabitants | 8,9 |
It’s important to have the opportunity to access the best care. Mondassur therefore strongly recommends that you take out suitable private expatriate insurance. This precaution ensures fast, comprehensive care. In fact, it’s essential for coping with any unforeseen medical event and avoiding staggering medical expenses.
How Monaco's healthcare system works :
Monaco’s healthcare system is renowned for its exceptional quality and efficiency. There are two main categories: public and private insurance. Each system offers different healthcare coverage, adapted to the varied needs of residents and expatriates. Understanding how these systems work is essential to choosing the right coverage for your situation.
How does social security work?
Public health insurance
Public insurance in Monaco is a well-structured and accessible system. It consists mainly of three cards: the green card, the pink card and the bubble card. First and foremost, the green card offers basic coverage for consultations and essential medical care. The carte rose also offers additional services such as dental and optical care. Finally, the bubble card is reserved for people with specific needs and offers extended coverage for special treatments. Please note that these cards are for residents only. You then have to apply for them.
The Monegasque social security system, the Caisse de Compensation des Services Sociaux (Social Services Compensation Fund) (CCSS), guarantees a high quality of coverage. All permanent residents, including expatriates, are eligible under certain conditions. Prices vary according to the level of coverage chosen. In fact, they can range from €100 to €300 a month. Refunds are made within 7 to 10 days.
Does the carte vitale work in Monaco?
No, the French “carte vitale” doesn’t work in Monaco, and French social protection doesn’t work there. Consequently, Monegasque residents must use cards specific to the Monegasque healthcare system. However, bilateral agreements exist to facilitate access to healthcare for French residents working in Monaco. That’s why Mondassur recommends taking out expatriate insurance for Monaco.
How much does housing cost in Monaco?
Private insurance in Monaco offers an alternative or complement to public insurance. These insurances are generally more flexible and can therefore offer higher levels of coverage. In fact, Mondassur insurance policies can include specialized care and treatments not covered by the public system.
By taking out expatriate insurance, you can benefit from comprehensive health coverage tailored to your specific needs. Prices vary according to age, state of health and desired level of coverage. These can range from €200 to €600 per month. Claims processing times are fast, and the quality of coverage is top-of-the-range.
By choosing private expatriate insurance, you can benefit from rapid access to specialists. In fact, care can be provided in top-quality private clinics. In addition, additional services such as provident insurance, third-party liability and maternity cover are available.
Health care facilities in Monaco
Despite its small size, Monaco boasts a high-quality healthcare system, with a number of renowned institutions. The main public hospital is the Princess Grace Hospital (CHPG), renowned for its modern facilities and 24-hour emergency services. There are 5 private clinics: Clinique de Monaco, Clinique du Métropole, Clinique de la Colline, Clinique de la Costa and Clinique du Parc. The latter offer specialized care and personalized attention. The quality of care in these establishments is often considered exceptional. These
facilities also boast highly qualified medical staff
and state-of-the-art infrastructures.
Treatment times vary depending on the facility and the severity of the medical condition. Nevertheless, they are generally rapid, thanks to the efficiency of the Monegasque healthcare system. The average cost of a night in hospital can vary from €600 to €1,200, depending on the type of room and the type of hospitalization required. These awards reflect the quality of care and facilities offered in the principality. It is therefore essential to take out expatriate insurance in Monaco before moving abroad!
Monaco emergency numbers
In the event of an emergency in Monaco, you need to know the essential numbers to call for rapid assistance. That’s why we’re giving you these emergency numbers:
- Police : 17
- Fire department : 18
- Samu : 15
- European emergency number : 112
These emergency services are available 24 hours a day, guaranteeing a fast, efficient response when needed. Expatriates and visitors to Monaco should keep these numbers handy and record them in the telephone.
Health care costs in Monaco
Medical services in Monaco, although of the highest quality, can be relatively expensive. Here’s a detailed overview of the healthcare costs you can expect:
- GP consultation: €50 to €100 per visit, depending on the practitioner and the complexity of the consultation.
- Medicines
Medicines: available without prescription for basic treatments, but prices can be higher than in neighboring countries. - Hospitalization
From €1,000 to €2,500 per day, including necessary care and treatment. - Birth
Coverage: €5,000 to €10,000, depending on the type of delivery and additional services chosen. - Dental treatment
On average €150 per consultation, with costs varying according to the treatments required. - Optical care
Optical care: costs vary according to patients’ specific needs.
Due to the high cost of healthcare services in Monaco, it is particularly advisable to take out adequate expatriate insurance to cover these expenses. This recommendation also applies to the health of seniors and pensioners. Mondassur offers insurance solutions specially designed for expatriates, whatever their age. In particular, they guarantee comprehensive coverage and peace of mind in the event of medical need.
Repatriation insurance for Monaco
For expatriates living in Monaco, repatriation insurance is strongly recommended. This insurance covers the cost of returning to your home country in the event of serious illness or injury requiring specialized care not available locally. Mondassur offers insurance solutions tailored to the needs of expatriates. This guarantees comprehensive coverage and rapid assistance in the event of a medical emergency. This coverage is essential not only to avoid high costs, but also to ensure optimum medical care in critical situations.
Choose Mondassur for your expatriate health insurance in Monaco!
Why take out expatriate insurance?
Expatriate insurance is essential to guarantee your peace of mind and financial security in Monaco. Medical costs in the principality can be high. Mondassur lets you cover these costs without stress. What’s more, expatriate insurance in Monaco offers comprehensive coverage, including medical consultations, hospitalization, dental and optical care, as well as emergency evacuation if necessary. By choosing Mondassur, you also benefit from access to a network of qualified healthcare professionals and personalized service tailored to your specific needs as an expatriate.
Certain diseases are present in Monaco. If you’re wondering what vaccinations you should have when traveling to Monaco, here’s the answer (only recommended vaccines):
- Flu vaccine: Recommended especially for the elderly, pregnant women and people with underlying medical conditions.
- Hepatitis B vaccine
Recommended for high-risk individuals, such as healthcare workers and those with frequent contact with blood or other body fluids. - Human papillomavirus vaccine
(HPV): Recommended for adolescents and young adults to prevent certain cancers. - Meningitis vaccine
Recommended especially for adolescents and young adults.
Quick and easy subscription
At Mondassur, we understand that your time is valuable. That’s why we’ve simplified the underwriting process for our expatriate insurance. You can get a quote online in less than 5 minutes. What’s more, our team is available Monday to Friday, 9am to 6pm, to guide you every step of the way. Once you have made your request, we will process your file quickly, so that you can choose your health cover as quickly as possible. With Mondassur, you can manage your insurance online, access your documents and track your reimbursements with ease.
A wide choice of warranties
Mondassur offers a wide range of coverage to meet all your health needs. So whatever you need, you can count on Mondassur. From routine care to specialized treatments, we have flexible options to suit your situation. Our plans include cover for medical consultations, hospital care, dental and optical treatment, and maternity care. By choosing Mondassur, you also benefit from 24/7 support throughout your expatriation. We are committed to offering comprehensive protection and quality service to ensure your well-being in Monaco.
Other insurances for Monaco
For complete coverage in Monaco, discover our other offers:
- Monaco travel insurance to enjoy the sun with complete peace of mind.
- Student insurance in Monaco to graduate without stressing about your health.
Get an overview by consulting all the health insurance offers in Monaco. Whether for travel, study or expatriation, choose the health insurance that suits you best! When you choose Mondassur, you benefit from optimum protection and quality service to help you live your expatriate life with peace of mind.
