Health insurance in Morocco
Opting for health insurance in Morocco is a crucial step in ensuring your peace of mind throughout your stay. It provides you with comprehensive medical cover, essential in the event of unforeseen medical circumstances. Don't underestimate the importance of this protection: it will enable you to go about your business with confidence, knowing that you'll be taken care of in the event of medical necessity.
Whatever your situation and the reason for your stay in Morocco: a new secondment, a new professional opportunity, an internship, a university exchange or simply a vacation, it’s important to think abouthealth insurance. What do you need to know about Morocco’s healthcare system?
Student insurance Morocco
The insurance that covers your stay for your studies in Morocco.
From
27€
- Worldwide coverage
- Maximum age: 35
- Covers emergencies and accidents
- Covers hospitalization and routine medical care
- Up to €250,000 per year
- Standard dental and optical expenses up to €550
- Contraception coverage + vaccines
- Maternity care
- Covers pre-existing conditions
- Repatriation assistance
- Civil liability
- Individual protection
Expatriate insurance Morocco
Health insurance to cover your expatriation to Morocco.
From
93€
- Worldwide coverage
- Minimum age: 14
- Maximum age: 65
- Covers hospitalization and routine medical care
- Up to €1,500,000 per year
- Maternity coverage up to €4,000
- Coverage of assisted reproduction up to €1,500
- Covers pre-existing conditions
- Coverage of pharmaceutical expenses up to €370
- Optional dental and optical care
- Maternity plus option
- Prevention and well-being as an option
- Optional repatriation assistance
- Optional third-party liability
Travel insurance Morocco
International health insurance to cover your trip to Morocco.
From
30€
- Worldwide coverage
- Maximum age: 85
- Covers emergencies and accidents
- Up to €500,000 per trip
- Covers loss, theft or destruction of luggage
- Repatriation assistance
- Travel assistance
- Civil liability
Any questions? Need advice?
Information about health insurance in Morocco
Political system: Constitutional Monarchy
Capital: Rabat
Surface area: 446 550 Km²
Population: 37.1 million
Languages spoken : Arabic, French
Currency: Moroccan dirham
Inequalities in the Moroccan healthcare system
The Moroccan healthcare system comprises both public and private sectors. The public sector is made up of over 2,500 primary healthcare centers and around 150 public hospitals. The private sector is more developed, with over 6,500 private practices and more than 430 clinics, mainly based in urban areas and towards the north of Morocco. Civil servants and employees in the public sector are covered by the Caisse Nationale des Organismes de Prévoyance Sociale (CNOPS), while the private sector is covered by the Caisse Nationale de la Sécurité Sociale (CNSS) and subject to compulsory health insurance.
The Moroccan healthcare system lacks human resources, with less than one doctor for every 1,000 inhabitants. The government’s lack of investment in healthcare is a real brake on development in this sector, despite the introduction in 2012 of compulsory health insurance for the poorest Moroccans (RAMED).
The quality of care and inequalities in access to services, particularly between large cities and more rural regions, are notable in Morocco. Many public hospitals are in a deplorable state and in no condition to receive or treat patients. 95% of Moroccans with health insurance prefer without hesitation to seek treatment in private clinics, where the service and quality of care are in no way comparable to public clinics. If you are planning to stay in Morocco as an exchange student, expatriate or retiree, it is essential that you take out private international health insurance to cover private sector healthcare costs.
Local insurance in Morocco
In 2005 and again in 2011, the Moroccan government introduced two basic medical coverage schemes: the basic compulsory health insurance scheme (AMO ) and the medical insurance scheme (RAMED). RAMED covers the poorest part of the population, to give access to healthcare even to the most destitute who cannot benefit from AMO. In 2005, only 16% of the population had basic health coverage, while by 2020 this figure will have risen to around 70%, i.e. 25 million beneficiaries of health insurance and 11 million beneficiaries of the medical assistance scheme. The government’s objective is to reach 100% of beneficiaries, i.e. the entire Moroccan population insured.
AMO covers outpatient care, hospitalization, dental care, maternity, optical care, paramedical care, long-term treatment of illnesses and benefits for children under 12. However, access to the care offered by these basic insurances is restricted to the public health sector.
AMO reimburses :
- 100% medical devices;
- 100% hospitalization ;
- Generic drugs at 90% ;
- Dental care (up to a maximum of dh3,000 per year)
- Optics: frames at 400 dh, classic lenses at 400 dh and progressive lenses at 800 dh.
Consult a general practitioner in Morocco
To consult a doctor in Morocco, you can start by asking friends and family if they have a GP to recommend. Alternatively, there are a large number of websites that group doctors by town and offer you direct access to a doctor in your area. We advise you to contact your embassy or find out more on their website, and contact the medical officers who can put you in touch with a GP.
In Morocco, you can consult a specialist without necessarily going to a general practitioner first. However, we strongly advise you to make an appointment with a general practitioner beforehand, who will be able to advise you better if you need specialist advice. This will enable you to have two medical opinions if your consultations result in a major operation.
On average, here’s how much a consultation with a :
- General practitioner: between 100 and 200 dh
- GP at home: over 150 dh
- Office-based specialist: 150 to 300 dh
- Specialist at home: 300 dh
Overview of average medical costs in Morocco
In Morocco, the cost of medical care is very low compared with Europe. This is a double-edged advantage for anyone wishing to stay in Morocco or move abroad. Costs are much lower, but the care you receive will be of lesser quality.
- X-ray: 800 dh
- Blood sample + analysis: 300 hr
- Scanner: 1250 hr
- Hospitalization (1 night + nursing care + meals and TV) in single room: 800 dh
- Intensive care: 3000 dh
- Hospitalization in sterile room: 1000 dh
Overview of average dentist prices in Morocco
The price of an initial consultation with a dentist in Morocco is usually 500 dh. An initial consultation for a dental implant in Morocco is 700 dh per 15 minutes. For an intraoral X-ray, you will generally be asked to pay 700 dh. To place a crown on an existing dental implant, depending on the type of implant chosen, you’ll need to pay from 5000 dh upwards. A dental filling will often cost you between 400 and 700 dh. For a dental extraction, you could be charged between 400 and 600 dh, or even up to 1000 dh in a private clinic. A cavity costs between 600 and 800 dh.
The emergency department in Morocco
In the event of an emergency, dial 15 or 150 and you’ll be redirected to a platform that will put you in touch with the fire department or ambulance service, which will send you a service adapted to your alert message. Please be as specific as possible in your alert message, so that your situation can be dealt with as quickly as possible. The Samu number is 141, but this number is reserved for patients with respiratory symptoms, fever and cough.
Hospitals in Morocco
There are major disparities between the medical facilities of public hospitals and private clinics, which are more or less accentuated depending on the region. There is 1 hospital bed per 1,000 inhabitants, 1 doctor per 12,000 inhabitants, 1 health center per 10,000 inhabitants and 1 nurse per 1,000 inhabitants.
Healthcare networks in Morocco
More doctors in the private sector than in the public sector, even though the public sector provides care for 85% of the population.
What vaccinations should I have before leaving for Morocco?
Before leaving for Morocco, it’s important to keep your vaccination record up to date, including booster doses forhepatitis A andhepatitis b. You’ll also need to be vaccinated against rabies and typhoid, and Morocco has no cases of malaria. No vaccinations are compulsory, but it is impossible to enter this country without an international vaccination booklet certifying that you are correctly vaccinated.
Paramedical care in Morocco
You can easily access any type of paramedical care in Morocco’s major cities. There are many specialists who will be able to take care of you. To choose them, we again recommend that you ask around or ask your embassy. Here are some examples of average consultation costs for certain paramedical professionals in Morocco:
- Speech therapist: 150 to 200 dh in Rabat and 300dh in Casa
- Osteopath: free prices between 350 and 500 dh
- Optician: between 200 and 300 dh
- Gynaecologist: between 200 and 250 dh
Maternity in Morocco
Are you in Morocco for an indefinite period or an expatriate who is pregnant and wondering where to spend your maternity leave? Between your home country and Morocco? In this article, you’ll learn everything there is to know about what it’s like to have a baby in a private clinic in Morocco.
Pregnancy follow-up in a private clinic is very similar to pregnancy follow-up in Europe. A wide range of tests will be carried out to check the child’s health throughout the pregnancy. What may change a little is that the gynecologist may be able to perform the ultrasound himself or herself, and may also have his or her own ultrasound equipment.
Please note that midwifery is virtually non-existent in Morocco, so you’ll have to look for someone specialized in childbirth preparation yourself, as you won’t find a midwife who can prepare you for childbirth in the clinic.
Your gynecologist, who has been with you since the beginning of your pregnancy, will assist you during the birth and is used to working in the clinic where you will give birth.
C-sections are very common in Morocco, so don’t be surprised if you’re offered one as a matter of course. We recommend that you specify very clearly to your gynecologist whether you want a natural vaginal delivery or an epidural, etc…
A Caesarean delivery is twice or even three times more expensive than a vaginal delivery. Here’s an idea of the cost of a maternity ward in Morocco in a private clinic (including delivery, room, care and pediatrician):
- Delivery by vaginal route: between 4500 dh and 10000 dh ;
- Caesarean delivery: between 12000 dh and 20000 dh ;
Why should I take out private international health insurance in Morocco?
As a foreigner staying in or expatriating to Morocco, it is essential to take out private international health insurance for the duration of your stay.
You can join the Moroccan AMO, but this coverage is not sufficient, as it only covers you in the public health sector, and at low rates. You will need to take out additional supplementary insurance to cover the cost of private healthcare in Morocco. A private international health insurance policy will cover you at better rates, even abroad.
With insurance like GoldExpat, your healthcare will be reimbursed even in the private health sector. Our insurance will also cover the cost of repatriation to another country to treat an illness that cannot be treated in Morocco. This is essential in Morocco, where the quality and diversity of care on offer is limited, even in the private sector.
As a tourist, taking out health insurance is a must, especially if you’re planning to leave for several weeks and discover the country like a road trip. It’s not impossible for you to fall ill or have an accident in areas that are difficult to access by medical units. It’s important that you are covered for medical repatriation if you need emergency care.
Don’t waste any time, get a free quote on our website and/or contact us by e-mail or telephone for more precise information based on your situation.
