Emergency Number
18
Fire/Medical Emergency (Sapeurs-Pompiers)
Also: 112 (EU Emergency) • 93 25 33 25 (Princess Grace Hospital)
Healthcare System Overview
Monaco has an excellent healthcare system with the Princess Grace Hospital Centre (Centre Hospitalier Princesse Grace) as its primary facility. Quality is on par with the best French hospitals, and most specialists speak English.
Key Features
- High quality: Modern facilities, well-trained staff
- Small scale: One main hospital, personalized care
- Integration with France: Access to French medical system for specialized care
- Private insurance based: Residents typically have private coverage
- English available: Many practitioners speak English
Princess Grace Hospital Centre
The CHPG is Monaco's main hospital, named after Princess Grace (Grace Kelly). It provides comprehensive medical services:
Departments
- Emergency services (24/7)
- Surgery (general, orthopedic, cardiac)
- Internal medicine
- Maternity and pediatrics
- Oncology
- Cardiology
- Neurology
- Radiology and imaging
Location
1 Avenue Pasteur, MC 98000 Monaco
Phone: +377 97 98 99 00
Emergency: +377 93 25 33 25
Health Insurance
Private health insurance is effectively mandatory for residency and essential for accessing care.
Insurance Requirements for Residency
- Proof of health insurance coverage required for Carte de Séjour
- Must cover medical expenses in Monaco
- International policies often accepted
Insurance Options
- Monaco-based insurers: Local policies from Monaco insurance companies
- French insurers: Cross-border policies covering Monaco and France
- International insurers: Global health policies (Cigna Global, Allianz, etc.)
- Premium concierge plans: VIP healthcare management services
Typical Costs
- Comprehensive coverage: €3,000-10,000/year (~$3,240-10,800 USD) per person
- Premium plans with global coverage: €10,000-30,000+/year (~$10,800-32,400+ USD)
- Family coverage scales accordingly
CNAM (State Insurance)
Monaco has a state social security system (Caisses Sociales de Monaco) that employees can access:
- Employment-based: Those working in Monaco contribute and receive coverage
- Retirees: May qualify based on prior contributions
- Non-working residents: Generally rely on private insurance
Most ultra-HNW residents opt for premium private coverage regardless of CNAM eligibility.
For Americans
Medicare Does Not Apply
US Medicare does not cover healthcare outside the United States. You must have separate coverage for Monaco.
Prescription Medications
- Many US medications available under European brand names
- Some may require new prescriptions from local doctors
- Controlled substances may have different regulations
- Bring supply and documentation when relocating
US Embassy Resources
The US Embassy in Paris and Consulate in Nice can provide lists of English-speaking physicians and emergency assistance information.
Medical Tourism and Specialized Care
Monaco's location provides access to world-class facilities:
- Nice CHU: Major teaching hospital 20 minutes away
- Lenval Children's Hospital: Pediatric specialty center in Nice
- Swiss hospitals: Geneva accessible for specialized treatments
- Paris: World-class facilities 1 hour by plane
Concierge Medicine
Given Monaco's wealth concentration, premium healthcare services are common:
- Personal physicians on retainer
- 24/7 medical concierge services
- Coordination of specialist appointments
- Medical evacuation arrangements
- Global healthcare management
Several firms specialize in serving ultra-HNW individuals with comprehensive health management.