Monaco Healthcare: A Complete Guide to the Principality’s Medical System

Princess Grace Hospital Centre

The Centre Hospitalier Princesse Grace (CHPG) serves as the Principality's only public hospital. Opened in 1902, it occupies an exceptional hillside location.

The hospital maintains 845 beds across 21 medical specialties. Services include medical and surgical departments, resuscitation units, and diagnostic facilities.

Advanced technology distinguishes the CHPG from regional competitors. Equipment includes a 3 Tesla MRI, multislice CT scanner, and PET Scan.

The French National Health Authority awarded the hospital its highest certification grade. A new facility is under construction with completion planned for 2032.

Access to French Hospitals

Residents benefit from full integration with the French healthcare system. Complex cases can be referred to Nice University Hospital (CHU Nice).

The CHU Nice maintains international partnerships with more than 20 countries. Its proximity makes it the primary referral center for Monegasque residents.

For hospitalizations in French public hospitals under 30 days, patients only pay their co-payment. Green cardholders are exempt from this expense.

Private Healthcare Options

Private medical practices and clinics supplement the public system. Many specialists maintain private offices while working at the CHPG.

Residents frequently purchase supplementary private insurance to cover co-payments. Employers often provide group plans as part of employment packages.

International health insurance providers offer specialized expatriate plans. These typically provide worldwide coverage with emergency evacuation.

Healthcare Costs and Contributions

Social security contributions average 15% of gross salary, funded entirely by employers. The CCSS health insurance contribution is 15.15%.

Additional contributions fund other benefits:

• CAR (Pension): 8.07% employer, 6.55% employee
• ASSEDIC (Unemployment): 4.05% employer, 2.40% employee
• AMSF UGRR (Supplementary Pension): 5.85% to 13.45% employer, 3.90% to 9.00% employee

Contribution rates are index-linked and subject to revision in January and October each year.

How Expatriates Access the System

Access requirements vary by employment status.

Employed expatriates automatically enroll through their employer. Employers handle all contribution payments and coverage extends to family members.

Self-employed individuals must register with the social security system independently. Contributions are calculated based on declared income.

Non-working residents face the strictest requirements. They must purchase comprehensive private health insurance and maintain coverage throughout their residency.

Comparison with French and European Systems

The Monegasque system offers several advantages over its French counterpart. The 80% reimbursement rate exceeds France's 70% coverage.

Integration with French healthcare networks provides access to much larger medical infrastructure. Residents benefit from both systems.

Compared to other European countries, Monaco combines Scandinavian-style universal coverage with Mediterranean accessibility. Wait times for non-emergency procedures remain minimal.

Emergency Services

Emergency services operate 24/7 throughout the Principality. The European emergency number 112 connects to ambulances, fire brigade, and police.

The fire brigade also operates ambulance services. Calling 18 or 112 triggers an immediate response.

The Princess Grace Hospital emergency department maintains dedicated lines at (+377) 97 98 97 69. Response times are exceptionally fast due to the Principality's compact size.

All emergency services are covered under the standard social security system. Green cardholders receive care without out-of-pocket expenses.