Health insurance in Morocco

Area 1

Expatriation information: Morocco

Official name Kingdom of Morocco
Government Unitary parliamentary constitutional monarchy
Area 450,000 sq. km (710,000 sq. km with Western Sahara)
Capital Rabat
Main cities Casablanca, Fes, Marrakech, Tangier, Meknes, Agadir and Oujda
Common language(s) Darija (Moroccan Arabic dialect spoken by around 72% of population), Berber languages (Tarifit, Tashelhit, Tamazight, etc.)
Currency Moroccan dirham (MAD)
Population 32.3 million (2012)
Population growth 1.4%
Life expectancy at birth 71.2 years
Literacy rate 57%
Find out more Morocco on diplomatie.gouv.fr
Morocco on Wikipédia

Find out more about the healthcare system of this country.

Morocco

The Local Healthcare Insurance System in Morocco



In theory, all Moroccan citizens benefit from a mandatory healthcare insurance plan known as the AMO (Assurance Maladie Obligatoire). It is divided into two different bodies: the public healthcare system and the private healthcare system.
Employees who work in public companies are covered by the public healthcare system known as the CNOPS (Caisse Nationale des Organismes de Prévoyance Sociale). For further information, please visit the website: www.cnops.org.ma
As for employees who work in private companies, they are covered by the private healthcare system known as the CNSS (Caisse Nationale de Sécurité Sociale). For further information, please visit the website: www.cnss.ma
Each body issues an insurance ID card which allows its members to benefit from the AMO’s medical care and services.
These schemes are funded via employee and employer contributions on salaries.

For Moroccan citizens who receive an annual income less than or equal to 5,650 dirhams, the RAMED (Régime d’Assistance Médicale) allows them to benefit from public healthcare services. For further information, please visit the website: www.ramed.ma

It is also recommended to take out private healthcare insurance as the cost of medical care in the private sector is high and consultation fees with private doctors are much higher than standard rates.

Doctors’ visits in Morocco

Moroccan GPs see their patients from Monday to Friday, from 9:00 am to 1:00 pm and from 4:00 pm to 7:00 pm, as well as on Saturday morning from 9:00 am to 1:00 pm. You can see a doctor with or without a prior appointment.
There are only a few doctors in Morocco. Most of them are located in large cities (Casablanca, Marrakech, Rabat, etc.), which is why waiting times may sometimes be significant, both to get an appointment and while waiting in the doctor’s office.
Consultation fees with Moroccan GPs range from DHS 100 to DHS 200.
In general, it is better to see a GP from the private system as they will provide services of better quality.
Doctors are fluent in Arabic and French (in particular in large cities).

Specialist doctors in Morocco The treating doctor or GP refers their patients to specialist doctors. Fees range from DHS 200 to DHS 400. Again, it is recommended to see a specialist from the private system.

Being admitted to the hospital in Morocco

Hospitals in Morocco
Private hospitals provide better treatments than public hospitals (lack of maintenance of equipment, less attentive medical staff, etc.). It is also recommended to get a second medical opinion in the case of a serious medical procedure.

Emergency services

In case of emergency, call 15 (medical emergency and fire service).
Emergency services are open 24 hours a day. Certain private clinics also provide emergency services.

Buying drugs in Morocco

Drugs are purchased with a prescription and must be bought in a pharmacy. It is highly recommended not to buy drugs illegally on streets or in souks in order to avoid certain counterfeit drugs.
A Guide of Reimbursable Drugs (GMR) is available (in French only):
http://www.assurancemaladie.ma/anam.php?id_espace=6&id_srub=19

Last updated: April 2013


Healthcare insurance for stays of up to 12 months: Morocco

You are looking for a comprehensive insurance package including healthcare coverage, hospitalization, medical assistance/repatriation and luggage insurance, third-party liability and death & disability benefits.
Our advice
Start'Expat
QUOTE

Expatriate healthcare insurance: Morocco


comprehensive international healthcare insurance solution (1st Euro),
Our advice
First'Expat +
QUARTZ
solution la mieux adaptée aux coûts de santé observés dans votre pays d’expatriation
pour plus de confort dans les garanties proposées et de meilleurs niveaux de remboursements
pour bénéficier d'un niveau de confort total


You are covered by the Caisse des Français de l’Etranger and are looking for a complementary international healthcare insurance solution
solution la mieux adaptée aux coûts de santé observés dans votre pays d’expatriation
pour plus de confort dans les garanties proposées et de meilleurs niveaux de remboursements
pour bénéficier d'un niveau de confort total

Location: Morocco

Find a doctor or hospital
Why choose us?
4 Regional Head offices (RHO) always close to you
330,000 members
92% customer satisfaction
860,000 medical providers
20 years of experience in international healthcare insurance