Living in Monaco?
Healthcare and Education in Monaco
An Introduction to the Public Health System in Monaco
Monaco offers an excellent healthcare system, with very high standards of care and numerous specialists available. The public healthcare system is based on contributions by employers and employees, both Monegasque ones and foreigners permitted to work in Monaco. Self-employed persons also have to contribute to their own public health fund in the Les Caisses Sociales de Monaco (C.S.M.).
Through the healthcare plan, the insured as well as their dependents (if resident in Monaco or France) are reimbursed for the majority of medical costs, from doctors’ fees to emergency transportation. Costs for basic and routine dental care, for instance, are covered, and only more complicated dental treatments, such as crowns, are not.
You might therefore want to talk to your employer about additional coverage for the expenses of any treatments not covered by the public healthcare system, or think about taking out a complementary private health insurance policy yourself.
Finding Local Healthcare Institutions and Doctors
There are a few healthcare institutions in Monaco:
- Princess Grace Hospital Centre (CHPG)
- Monaco Cardio-Thoracic Centre
- Elsan CHP Monaco (dialysis center; website in French only)
- Monegasque Institute of Sports Medicine and Surgery
Out of these, only the Princess Grace Hospital Centre offers emergency and general care and is fully run by the state. There are also a number of doctors, called médecin traitant, available in Monaco. Before going to a physician, make sure that they are contracted with the C.S.M. You can look up contracted doctors online.
Taking Care of Your Kids: Childcare and Schools in Monaco
Children in Monaco can go to nursery school starting from age three. Younger kids between the age of two months and three years may be sent to one of the day nurseries, called crèches (website in French), provided their parents are both working.
As there are only so many spaces available at these state-owned crèches, Monegasque citizens and long(er) term residents are favored during the application process. You might therefore have to look for privately owned alternatives instead.
State and Contracted Schools
The Monegasque education system is closely modelled on the French one. As such, children spend the first five years of their education, starting from age six, at a so-called école élémentaire. This is followed by another four years of collège. After that, expat children can optionally continue their education at an upper secondary school, a so-called lycée.
Classes are held in French, but with a very early focus on the English language. Some schools also offer additional French Language Learning assistance. Plus, a renewed focus is put on the Monegasque language (Munegascu), which is also taught in primary and secondary schools.
In Monaco, there are six state-owned primary schools, one secondary school (Collège Charles III), as well as two upper secondary educational institutions. A visit of either the city’s general upper secondary institution (Lycée Albert 1er) or the Lycée Technique et Hôtelier de Monte-Carlo is optional, however, as school in Monaco is only mandatory until the age of 16.
In addition to the state schools, which are free of charge for resident children, there are also some so-called contracted schools to be found in Monaco. These adhere to the same standards as state schools, including the curriculum, but are privately owned and charge tuition fees.
You can find an overview of all primary and secondary educational institutions on the public services website.
At the time of writing in October 2016, there was only one international, non-contracted school in Monaco, namely the International School of Monaco. Classes are taught in both English and French. Students can sit the University of Cambridge IGCSE exam at the end of grade 11 and the International Baccalaureate Diploma in grade 13.
Tuition fees are quite high, though, and in the school year 2016/17 went up to 24,770 EUR in the final year of study. Furthermore, regardless of the application outcome, there is a non-refundable application fee of 200 EUR and, in the case of a successful application, a registration fee of 1,500 EUR as well as another 600 EUR in capital development fund fees.
Taking It to the Next Level: Institutions of Higher Education
There is only one institute of general higher education to be found in the city-state, the private International University of Monaco. The university offers various programs, from a bachelor’s degree in Communication and Entertainment to Sport Business Management. Alternatives to the university are more specialized institutes of higher education in Monaco, such as the École Supérieure d’Arts Plastiques, which is a visual arts school, or studying abroad, for example in neighboring France.
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