I. International health insurance Monaco
I. International health insurance Monaco
Do you need an International Health insurance in Monaco ?
Access to Monaco’s public healthcare system is not guaranteed for all expats, and even when available, international health insurance offers a higher level of flexibility and protection.
Monaco is a destination of excellence, but even here, public healthcare may not match the needs of international residents and high-level professionals. In this sense, healthcare habits, established relationships with medical professionals, and the availability of specialists worldwide are key factors in overall well-being.
OnlyHealth has been created by Suisscourtage, the most famous broker in Monaco, since 1988. It offers international health insurance in Monaco for expats, families, and individuals who expect privacy, flexibility, and full protection beyond borders.
International health insurance in Monaco offers:
International protection during travel or residence abroad
Tailored support for global families and international professionals
Access to private medical providers without restriction
Coverage compliant with Monaco’s residency requirements
Freedom of choice
A second medical opinion
Teleconsultation available
Our Monaco-based advantages
What our clients expats in Monaco value most ?
No exclusions for pre-existing conditions
Guaranteed lifetime coverage, even beyond retirement
Access to private maternity units and English-speaking doctors
Administrative simplicity, with no reliance on local health systems
Full protection when traveling outside Monaco
Destinations covered for Monaco residents
Many of our clients in Monaco split their lives across:
OnlyHealth ensures uninterrupted coverage wherever you reside, travel, or receive care. Benefits work worldwide without any translation needed, offering freedom of choice for the best treatment and respecting your medical care habits.
What is the average cost of medical care in Monaco?
Monaco offers access to some of the highest quality healthcare services in Europe, especially through private clinics and international-standard specialists.
For individuals who are not affiliated with the local public healthcare system (Caisse Sociale de Monaco), here is an overview of the typical out-of-pocket costs for private care in the Principality.
Routine medical care
Routine medical care in Monaco is known for its quality and accessibility, especially through private clinics. For those not affiliated with the Caisse Sociale de Monaco, private general practice is the main option.
€80 to €150
From €3,500
From €150
Dental care
Monaco offers excellent dental care, fully private, with modern equipment and multilingual professionals. Preventive care and cosmetic procedures are frequently sought by residents.
€100 to €180
€120 to €250
€800 to €1,500
€1,800 to €3,500
Optical care
Private optical centers in Monaco provide premium services, including luxury eyewear and cutting-edge diagnostics. These services are rarely covered by public schemes.
€250 to €600
€40 to €100
€90 to €180
Medical imaging
Advanced imaging is readily available through both the CHPG and private radiology centers. Expats typically prefer private services for faster access and English-speaking specialists.
€450 to €900
€100 to €250
€150 to €300
€300 to €700
Specialist consultations
Specialist care in Monaco is high-level and efficient. Most doctors speak multiple languages and operate in both Monaco and neighbouring France.
€150 to €250
€120 to €200
€120 to €200
€150 to €300
€100 to €180
€130 to €250
€100 to €180
Hospitalization (private clinics or CHPG)
Hospitalization can be arranged through the CHPG or Monaco’s private clinics. Without local insurance, private care can be costly, especially for surgery or maternity.
Under €90
From €90
€1,500 to €3,000
€5,000 to €20,000
Depending on complexity and facility
Maternity (natural birth, 3 nights):
€4,500 to €7,500
€7,590
II. What every expat should know before moving to Monaco
II. What every expat should know before moving to Monaco
Monaco offers a unique blend of Mediterranean lifestyle, fiscal advantages, and world-class infrastructure.
It attracts global citizens looking for stability, discretion, and access to luxury living.
However, settling in the Principality involves navigating specific administrative, housing, cultural, and healthcare frameworks that differ from those in France or other EU countries.
Visa and Monaco residence permit
Monaco is not part of the EU or Schengen Area but maintains close administrative ties with France. EU and EEA nationals can apply directly for residency, while non-EU citizens need a French long-stay visa first.
The application for residency (“carte de séjour”) requires:
- Proof of accommodation (rental agreement, ownership, or hosting attestation)
- Clean criminal record
- Proof of sufficient financial means (bank certificate, income from employment or assets)
- Birth certificate
- Valid passport
Wealthy individuals often open a Monaco bank account and deposit a minimum of €500,000 to support their application, although no fixed legal threshold is officially communicated.
Accommodation and housing
Housing in Monaco is limited, high-priced, and competitive. Properties are often smaller than international standards but extremely secure and well-maintained. The most sought-after districts include Monte-Carlo, Carré d’Or and Larvotto.
Many expatriates unable to find suitable accommodation in Monaco choose to live just across the French border in towns like Beausoleil, Cap-d’Ail or Roquebrune-Cap-Martin.
Tenants must usually provide proof of income, a significant security deposit, and in many cases, rental guarantees or bank references.
| Education and schools in Monaco
The Principality has a highly regarded public education system aligned with the French national curriculum. Schooling is compulsory from ages 6 to 16. Options include:
- public schools offering French-language education
- bilingual and private schools such as Institution François d’Assise, Nicolas Barré
- international schools like the International School of Monaco (ISM), offering the IB curriculum in English
Private schooling is particularly appreciated by international families seeking continuity with anglophone systems.
| Transport and mobility
Monaco is compact and highly walkable. Residents benefit from free public escalators, lifts, and a well-connected bus system. The train station offers access to France and Italy.
For those living in surrounding towns, commuting is straightforward by TER regional train or bus.
Cars are permitted, but traffic congestion and limited parking make public transport or walking the preferred option.
| Employment and business
Monaco’s economy centers around finance, hospitality, yachting, and luxury services.
Most employment contracts require French or Italian fluency, and preference is often given to Monaco residents or French nationals.
Starting a business requires a license and approval from Monaco’s Direction de l’Expansion Économique, with a detailed business plan, professional experience, and capital adequacy being key requirements.
Remote workers and entrepreneurs relocating to Monaco must demonstrate financial self-sufficiency and professional legitimacy.
| Language and integration
French is the official language of Monaco. Italian and English are widely spoken in professional and service settings.
However, speaking French, even at a basic level, is key to successful integration in everyday life, especially when dealing with local administrations, landlords, or schools.
Monaco has a multicultural population, but locals value formality, courtesy, and discretion.
| Healthcare and insurance
Monaco’s healthcare system is efficient and modern. Employees and self-employed residents contribute to the Caisse Sociale de Monaco (CSM), which provides coverage similar to the French Sécurité Sociale.
The main hospital is the Centre Hospitalier Princesse Grace (CHPG), which is complemented by private clinics and specialist centers such as IM2S.
While public healthcare is high quality, many expats prefer to supplement it with international insurance to cover:
- private consultations
- dental, vision, maternity, and preventive care
- medical evacuation or second opinion services
- worldwide coverage while traveling
NB : What to do if, as an expat, you aren’t covered by Monaco social healthcare ?
If you are not going to start a business or to be employed in Monaco, you won’t access to the public healthcare system.
You should consider international health insurance to make sure you’re covered in the event of illness, accident or simply to prevent any situation and take care of yourself, through an efficient and comprehensive insurance plan.
| Cost of living and housing
Monaco is among the world’s most expensive places to live.
Monthly rents for a small apartment often exceed €5,000, and cost of services (education, healthcare, leisure) reflects a luxury-driven economy.
However, residents benefit from an exceptionally safe environment, a Mediterranean climate, and access to premium facilities including private beaches, restaurants, and cultural venues..
III. Living in Monaco with peace of mind
III. Living in Monaco with peace of mind
Monaco is more than a prestigious address, it is a lifestyle destination defined by safety, discretion, and world-class services.
Whether you are relocating for tax efficiency, professional opportunity, or quality of life, the Principality offers a stable environment with global connectivity and Mediterranean charm.
Yet, living well in Monaco means planning for every aspect of life, including health. From routine care to advanced medical procedures, access to private healthcare in Monaco comes at a premium.
International health insurance is not just a comfort, but a necessity for non-affiliated residents seeking uninterrupted, high-quality care.