If you are insured in Monaco

• Consultation or medical examinations in the “public” sector

Your health insurance provider (C.C.S.S. or C.A.M.T.I. or P.M.E.) covers the cost of consultations or medical examinations at 80% or 100% in the case of an exemption from the patient’s contribution to health care costs (the excess). The excess (20%) is the part that is not covered by the social agencies.

In the case of an accident at work, your medical consultations and examinations are fully covered by the insurance company with which your employer is insured (subject to the presentation of documents provided by your employer).

• Consultation or medical examinations in the context of a doctor’s private practice

You are free to opt for private practice. If a doctor is authorised to practice privately and you wish to pay privately for a consultation or medical examination, you must specify this beforehand.

You will be billed for the medical fees by the hospital or the doctors you have chosen. The prices charged are reimbursed by the health insurance bodies of the Principality of Monaco on the basis of conventional tariffs and rates for your health care. Under the conventional rates, you will benefit from the third-party payment system, and will not have to pay the fees in advance.

The rates and fees charged by doctors authorised for private practice must be made available beforehand by the doctor or doctors chosen, who must specify the amount by which the conventional rates may be exceeded.

If you are insured in France

• Consultations or medical examinations in the “public” sector

Your health insurance provider covers the costs of consultations or medical examinations in accordance with reimbursement rates in effect on French territory or 100% in the case of exemption from the patient’s contribution to health care costs, a surgical procedure coded as equal to or greater than KC 50 in the French national health insurance scheme, or maternity-related care.

You are responsible for paying the patient’s contribution to medical costs (the excess).

In the case of an accident at work or work-induced illness, your medical consultations and examinations are fully covered by your health insurance provider.

• Consultations and medical examinations as part of a doctor’s private practice

You are free to opt for private practice. If a doctor is authorised to practice privately and you wish to pay privately for a consultation or medical examination, you must specify this beforehand.

You will be billed for the medical fees by the establishment or the doctors you have chosen. The rates charged by doctors authorised to practice privately are reimbursed by the French health insurance bodies based on the normal tariffs and corresponding to your cost coverage rate.

The fees charged must be made available beforehand by the doctor or doctors chosen, including the amount by which the conventional rates may be exceeded.