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Monaco health insurance and the CCSS – who covers you, what you pay and where to go

Last updated 25 September 2026Rules checked every MondayOfficial sourcesSources & methodology →

In Monaco your health cover follows your work: employees are insured by the CCSS, the self-employed by the CAMTI, and everyone else arranges their own. This guide explains what the Caisses Sociales reimburse, what a hospital stay costs you, and which numbers to call when something goes wrong.

A woman talks with a pharmacist across the counter of a bright pharmacy in Monaco, the hillside through the window
Illustration: Relocate in Europe

Monaco health insurance CCSS is what most newcomers end up searching for, and it is the right starting point: the Caisse de Compensation des Services Sociaux covers private-sector employees for sickness, maternity, invalidity and death, financed by employer contributions alone. Two recent changes: since 1 October 2025 daily sick pay is capped at €163.33, and Law 1.562 of 2 July 2024 created the Couverture Médicale Subsidiaire (subsidiary medical cover) for long-term residents whom no insurer will take.

Who covers you: CCSS, CAMTI, DPMFE or your own insurer

If you are hired in Monaco, you do nothing yourself. The employer files the hiring authorisation with the Service de l'Emploi (employment office), the file goes to the Caisses Sociales de Monaco, and a provisional registration certificate is issued. Your matricule (registration number) then opens the CCSS, the CAR and the CMRC. To claim medical costs you must show 120 hours of work in the month or previous 30 days, or 200 hours in the quarter or previous three months; in a first Monaco job, benefits in kind may be granted for the first three months under the CCSS's social action, and salaried hours worked in France – or in Italy for Italian and Monegasque nationals – can be counted.

The self-employed – craft, industrial, commercial or liberal professions authorised in Monaco – join the CAMTI: a flat €1,101 per quarter for the 2025–26 year, payable in the first ten days of January, April, July and October, by direct debit since 12 December 2024 (cheques and transfers cost a €30 handling fee). State and Commune employees are in a separate scheme, the Direction des Prestations Médicales et Familiales de l'État (DPMFE), the name the Service des Prestations Médicales de l'État took on 1 July 2026.

Dependants come with you: a spouse who normally lives in Monaco or the Alpes-Maritimes, does not work and has no other scheme, and children up to 21, or 26 if they study at a school in Monaco and the head of household lives there. If you are not working, none of these schemes takes you on arrival. The official list of documents for a first residence card does not include health insurance, but for a retiree or someone living on their own means, cover means private insurance. After five years of stable residence, people whom three different insurers have refused can apply for the Couverture Médicale Subsidiaire at €700 per person per month, granted for up to a year and renewable. Retired self-employed people who live in Monaco join the CAMTI unless an employee or civil-servant scheme already covers them.

You areYour coverWhat to do
Employee of a Monaco private companyCCSS, employer-fundedNothing – the employer registers you; check the 120-hour rule
Self-employed in MonacoCAMTI, €1,101 a quarter (2025–26)Join within one month of starting
State or Commune employeeDPMFEThrough your employer
Spouse or child of an insured personCCSS as a dependantSend marriage and birth certificates to the Caisses Sociales
Retiree, or living on your own meansPrivate insurance; subsidiary cover after 5 years if refused three timesArrange cover before you arrive
Student under 26 at a school in MonacoParent's CCSS or CAMTI coverThe parent asks the fund each year with a school certificate
Cross-border worker living in FranceCare from the fund of your country of residenceRegister where you live

Source: Caisses Sociales de Monaco and Mon Service Public, read 24 September 2026.

What the CCSS pays – and what you pay

Reimbursement is generally 80 per cent of the tariff; the 20 per cent left to you is the ticket modérateur, and 100 per cent applies in exemption cases such as care from the sixth month of pregnancy. Every insured person is placed in a card colour – green, pink or bulle – according to household quotient familial. Doctors under agreement with the Caisses must charge exactly the agreed tariff to green-card holders and may not exceed the agreed ceilings for pink and bulle; doctors without agreement set their fees freely. Since 2025 your registration card is digital if you opted for paperless mail; it shows your matricule, card colour and beneficiaries.

CareRule
Doctor's fees80 per cent of the tariff; 20 per cent ticket modérateur
MedicinesPrescribed and on the reimbursable list; you pay upfront; reimbursed on the sale or generic price, less 20 per cent; one month's treatment at a time
Hospital, public sector (CHPG, French public hospitals, Centre Cardio-Thoracique)Tiers payant – the Caisse pays the hospital; you may owe the 20 per cent and a single-room supplement
Private clinic, including the CHPG clinic sectorYou usually pay upfront and are reimbursed up to the CHPG tariff
Sick leaveHalf your average gross daily wage of the past 12 months, at most €163.33 a day; first 3 days unpaid; note to the CCSS within 48 hours
Sick leave with 3 or more childrenTwo-thirds of the daily wage from the 31st day, capped at 1/45 of the monthly ceiling
PregnancyCare from the 6th month and up to 12 days of maternity hospital stay at 100 per cent

Source: Caisses Sociales de Monaco, read 24 September 2026.

Where do you go: the hospital, doctors and pharmacies

The Centre Hospitalier Princesse Grace (CHPG) on Avenue Pasteur is the public hospital. Its emergency department is open around the clock all year, and its mobile emergency unit (SMUR) works with the Monaco fire brigade outside the hospital; bus lines 3 and 5 stop at Hôpital. To find a doctor, the government points newcomers to MonacoSanté, its health portal, which has a directory with online booking and publishes the duty doctors and the duty pharmacy, which rotates every Friday at 08:30.

WhereAddressPhone
CHPG switchboardAvenue Pasteur(+377) 97 98 99 00
CHPG adult emergenciesAvenue Pasteur(+377) 97 98 97 69
CHPG paediatric emergenciesAvenue Pasteur(+377) 97 98 95 33
Centre Cardio-Thoracique de Monaco11 bis avenue d'Ostende(+377) 92 16 80 00
IM2S sports medicine, trauma emergencies11 avenue d'Ostende(+377) 99 99 10 23
Centre d'Hémodialyse Privé32 quai Jean-Charles Rey(+377) 92 05 68 00
Caisses Sociales de Monaco, walk-in Monday to Friday 08:30–12:00 and 13:30–17:0011 rue Louis Notari(+377) 93 15 44 44

Source: Mon Service Public, Centre Hospitalier Princesse Grace and Caisses Sociales de Monaco, read 24 September 2026.

Emergency numbers in Monaco

Monaco's emergency numbers are its own, and they also work from French mobile phones in Monaco, which have been carried on the Monegasque network since 5 March 2024. The fire brigade also provides home assistance and transport of sick or injured people. Out of hours, the duty doctor line 116 117 runs every day from 19:00 to 07:00.

EmergencyNumber
Police17, or (+377) 93 15 30 15
Fire brigade and rescue18 or 112
Duty doctor, 19:00–07:00 every day116 117
Hospital emergencies (CHPG)(+377) 97 98 97 69
Poison control (Marseille)(+33) 4 91 75 25 25

Source: MonacoSanté and Mon Service Public, read 24 September 2026.

What to do now

StepWhatWhen
1Employee: check that your employer has filed the hiring authorisation – your cover starts with itYour first week
2Self-employed: join the CAMTI and set up the direct debitWithin one month of starting
3Not working: take out private health insuranceBefore you arrive
4Send family documents to the Caisses Sociales to cover your spouse and childrenOnce registered
5Save 17, 18 or 112, 116 117 and the CHPG emergency number in your phoneToday
6Find a doctor under agreement on MonacoSanté and note your card colourYour first month

Source: Caisses Sociales de Monaco and MonacoSanté, read 24 September 2026.

Official sources

The official pages this guide is based on, read 24 September 2026. Links open the authority’s own website.

Relocate in Europe provides general information, not legal or financial advice for your individual situation. Check with the authority named above before you act – rules change, and your case may differ.