Private healthcare is also available in the country. The Caisses Sociales de Monaco (CSM) oversee the health service and all citizens are entitled by law to equal access to healthcare.

The State System

Employers and employees are required to contribute to the CSM for each employee. Employers pay 23.66 percent of gross payroll for healthcare and employees pay in the region of 15 percent for all social security benefits, which include healthcare.

Employers register their employees with the CSM when a new employee starts work. Dependant family members are covered by the contributions paid by employed family members.

The unemployed, old age pensioners and people on long-term sickness benefit or maternity leave do not have to pay healthcare contributions. Foreigners immigrating to Monaco without jobs must produce proof of private health insurance in order to obtain their residence permit.

Self-employed citizens need to get additional insurance to cover members of their family. On registering with the state system, you will be given a medical card, which you must present each time you visit a medical professional or hospital.

The state fund covers most medical services including treatment by specialists, hospitalisation, prescriptions, pregnancy and childbirth and rehabilitation.

Fees

Employees and their dependants are reimbursed for medical costs, which include treatment by doctors and consultants, hospitalisation, laboratory services, prescription medicine, dental care, surgical appliances, and ambulance transportation.

There are three categories of payments, which are determined by medical practitioners and auxiliary medical services. Each person is placed into one of the groups according to their income and family size. Each group receives a different percentage of subsidies.

Private Healthcare

Most citizens take out additional private insurance to cover the services and fees not paid for by the state system.

This complementary medical insurance is called a mutuelle. The amount you pay into the mutuelle depends on the coverage you require, and is sometimes provided by your employer as a work related benefit.