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How to Navigate the Health System in Monaco

Familiarize yourself with the health system in Monaco. Understand its usage options and constraints for those who choose to move to and reside there, including expats, digital nomads, and retirees.
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Monaco is a small country located on the French Riviera with a population of around 38,000 people. It has a well-developed healthcare system that provides both public and private healthcare options.

Monaco’s Public Healthcare System

Monaco’s public healthcare system is called the Caisse Nationale de Santé (CNS). It is funded by the government and provides free or low-cost healthcare to all citizens and legal residents of Monaco. Foreigners (expats and digital nomads) are allowed to use the public healthcare system in Monaco, but they must pay for their own medical care. The public healthcare system is used by both locals and foreigners, but it is not recommended for serious medical emergencies or major surgery. Public hospitals in Monaco are generally well-equipped and staffed with experienced medical professionals.

Monaco’s Private Healthcare System

Monaco also has a private healthcare system that is used primarily by expats and digital nomads. Private healthcare is more expensive than public healthcare, but it is generally of a higher quality. Private hospitals in Monaco are well-equipped and staffed with experienced medical professionals, and they are recommended for serious medical emergencies and major surgery.

Monaco’s Top Hospitals

The top hospitals in Monaco include:

  • Centre Hospitalier Princesse Grace (public hospital located in Monaco-Ville)
  • Clinique de Monaco (private hospital located in Monaco-Ville)
  • Clinique du Métropole (private hospital located in Monte Carlo)
  • Clinique de la Colline (private hospital located in Beausoleil)
  • Clinique de la Costa (private hospital located in Beausoleil)
  • Clinique du Parc (private hospital located in Beausoleil)

Health Insurance Companies in Monaco

The most popular private health insurers in Monaco are Europ Assistance, Allianz, and AXA. These companies provide health insurance plans for both locals and expats. Expats typically use these companies or specialized expat health insurance providers.

Insider Tips from Expats in Monaco: How to Navigate the Health System

“Monaco has a comprehensive healthcare system that provides high quality medical services to its citizens and visitors. The country has a number of public and private hospitals and clinics that offer a wide range of medical services, including general and specialist care, emergency services, and preventive care. Monaco also has a number of specialized medical centers, such as the Princess Grace Hospital Center, which specializes in cardiology, oncology, and neurology. Additionally, Monaco has a number of highly qualified medical professionals, including doctors, nurses, and other healthcare professionals, who are dedicated to providing the best possible care to their patients,” commented one member living in Monaco.

“Monaco offers a comprehensive range of healthcare services, including primary care, specialist care, hospital care, and emergency services. The public healthcare system in Monaco is of a high quality, with modern facilities and highly trained medical staff. Foreign residents in Monaco have access to the public healthcare system, and can use it in the same way as local residents. Expats in Monaco can use the public healthcare system by registering with the local health centre and obtaining a Carte Vitale, which is a health insurance card. This card allows them to access the public healthcare system and receive the same level of care as local residents,” commented one member living in Monaco.

Joshua WoodJoshua Wood, LPC joined Expat Exchange in 2000 and serves as one of its Co-Presidents. He is also one of the Founders of Digital Nomad Exchange. Prior to Expat Exchange, Joshua worked for NBC Cable (MSNBC and CNBC Primetime). Joshua has a BA from Syracuse and a Master's in Clinical and Counseling Psychology from Fairleigh Dickinson University. Mr. Wood is also a licensed counselor and psychotherapist.

Some of Joshua's articles include Pros and Cons of Living in Portugal, 10 Best Places to Live in Ireland and Pros and Cons of Living in Uruguay. Connect with Joshua on LinkedIn.

Additional Information:

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