CCSS Healthcare Guide

The CCSS (Caisses Sociales de Monaco) is Monaco's compulsory health insurance fund, providing essential healthcare coverage to employed residents, retirees, and their dependents.

What CCSS Covers

CCSS provides reimbursement for:

• Medical consultations — General practitioners and specialist visits
• Hospital care — Inpatient and outpatient services at authorised healthcare facilities
• Prescriptions — Covered medications (reimbursement varies by drug classification)
• Dental care — Selected preventive and restorative treatments
• Maternity — Prenatal care, delivery, and postnatal services
• Laboratory tests and imaging — Blood work, X-rays, and other diagnostic procedures
• Medical devices and prosthetics — Hearing aids, orthopedic equipment, and similar aids

Reimbursement Rates

CCSS reimburses at varying rates depending on the service:

• General practice visits: Approximately 80% of approved tariff
• Specialist consultations: Approximately 80% of approved tariff
• Hospital treatments: 80-100% depending on facility and service
• Medications: 35-100% depending on therapeutic classification
• Preventive services: Often at 100% (vaccinations, screenings)

Registration and Affiliation

Registration with CCSS occurs automatically when you:

• Start employment in Monaco (employer registers you)
• Become self-employed in Monaco (you must register within 30 days)
• Are a retiree receiving a Monaco pension
• Are a Monegasque national

You will receive a carte vitale monegasque (smart health card) after registration, valid for healthcare transactions at partner providers.

Complementary Insurance

Many residents opt for complementary private insurance (mutuelle) to cover gaps in CCSS reimbursement, particularly for:

• Specialist dental work
• Premium eyeglasses and contact lenses
• Private hospital rooms
• Alternative medicines not covered by CCSS

Private insurers operate alongside CCSS to provide additional protection and choice.

Updating Your Coverage

Keep your CCSS information current by:

• Reporting changes in employment status
• Updating residency information
• Adding family dependents when applicable
• Notifying CCSS within 30 days of address changes
• Maintaining valid identification documentation

For detailed information, visit monservicepublic.gouv.mc or contact the Caisses Sociales de Monaco directly at 11 Rue Louis Notari, 98000 Monaco.