Health coverage in Morroco

For some time now Morocco has been developing its Social Security system known as Assurance maladie obligatoire (AMO), or Mandatory Health Insurance, which has gradually expanded over the years. Long reserved for the employees only―whether nationals or residents―as of March 2021 it also started covering the self-employed. However, the very uneven quality of public health facilities generally forces people to resort to the private health sector, which is not covered by AMO.

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Health insurance for expats in Morocco

How does the healthcare system work in Morocco?
 

AMO’s social security coverage allows insured persons and their dependants to benefit from partial coverage of a number of healthcare benefits, the list of which has been growing over the years. It now covers:

  • Outpatient care (medical consultations, tests, dental care, optical services, radiology, prescription drugs, etc.)
  • Hospitalisation
  • Maternity care

Modelled on the French social security system, the Moroccan health system operates on the basis of:

  • A fee for each medical service, which must be observed by the public sector but which the private sector may exceed (e.g., 80 MAD for a general practitioner consultation and 150 MAD for a specialist consultation, delivered in the private sector).
  • A reimbursement percentage applied to these fees, generally 70% for outpatient care and 90% for hospitalisation (reduced to 70% for hospitalisation in the private sector).

This means that the insured are usually left with an out-of-pocket expense, as well as any extra costs of private care, which are never covered by AMO.

How to choose health insurance in Morocco
 

Taking out supplementary health insurance is therefore key if you live in Morocco. Although the cost of care remains accessible in the public sector, it is significantly higher in the private sector. Despite several attempts to raise the AMO coverage fees, which significantly limit the reimbursement of care provided in the private sector, these have not changed since 2006 and certainly do not correspond to the reality of the costs normally incurred.

Having supplementary health insurance also makes it possible to overcome another major disadvantage: the lack of AMO coverage for care resulting from accidents at work and occupational diseases.

Choosing an international health insurance plan allows you to comfortably cover actual health expenses incurred, as well as to benefit from a For some time now Morocco has been developing its Social Security system known as Assurance maladie obligatoire (AMO), or Mandatory Health Insurance, which has gradually expanded over the years. Long reserved for the employees only―whether nationals or residents―as of March 2021 it also started covering the self-employed. However, the very uneven quality of public health facilities generally forces people to resort to the private health sector, which is not covered by AMO., which local Moroccan insurance companies do not offer.

What is the cost of healthcare in Morocco?

Liste exemple remboursements

GP CONSULTATION

A visit to a general practitioner will cost on average between 100 to 150 MAD (8 to 14 €)

APRIL International up to 14 €*

Out-of-pocket expenses 0€**

SPECIALIST CONSULTATION

A visit to a specialist will cost you between 120 to 250 MAD (11 to 24 €) .

APRIL International up to 24 €*

Out-of-pocket expenses 0€**

HOSPITALISATION - MATERNITY

Between MAD 3,500 and 7,000 (€ 332 to 665) for a natural delivery without complications (with hospitalisation)

APRIL International up to 665 €*

Out-of-pocket expenses 0€**

Disclaimer

Examples of average costs of care in the private health sector - APRIL International data 01/2022

 

* Example of reimbursement with MyHealth International - Comfort

** Example of the amount to be paid by the insured after reimbursement

Care in Morocco

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Care in Morocco
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Choosing hospitals in Morroco
 

The public hospital network consists of 152 hospitals (including 4 university hospitals located in Casablanca, Rabat, Fez, and Marrakech), supported by approximately 2,000 urban and rural primary health centres. These facilities, however, despite increased public efforts since the health crisis, suffer from a lack of resources and staff, as well as the aging of the premises and equipment.

This is why 90% of both nationals and residents in Morocco use the country's 375 private clinics, which are modern and have more staff doctors than the public sector.

Moreover, these various facilities are unevenly distributed through the Moroccan territory, being situated mainly on the Jadida-Casablanca-Rabat-Kenitra axis. Medical transfer to a major Moroccan city or a neighbouring country, or even repatriation, is therefore often necessary for expats living in regions with poor healthcare.

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Health facilities

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Numéros d'urgence au Maroc

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Ambulance and Fire
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Royal Gendarmerie
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PROTECTION IN PRIVATE FACILITIES
Description
Reimbursement of health expenses from the first euro/dollar, including in private hospitals
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TRAVEL WITH PEACE OF MIND
Description
Coverage in Morroco, or even in other countries when you travel
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OPTICAL & DENTAL CARE
Description
Reimbursement of optical and dental care (option)
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UNLIMITED TELEMEDICINE SERVICE
Description
A free medical telemedicine service available 24/7 anywhere in the world
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MEDICAL TRANSPORT
Description
Repatriation assistance is included in your cover
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DIRECT BILLING
Description
In the event of hospitalisation, you pay nothing out of pocket

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