Health insurance in Morocco
Health insurance in Morocco gives you peace of mind throughout your stay. It also provides you with comprehensive medical coverage, essential in the event of unforeseen medical circumstances.
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, you need to think about insuring your healthcare costs. Enjoy a variety of landscapes, from golden beaches to the Atlas Mountains, and a rich culture. Study at renowned universities, live a dynamic expatriate adventure or explore the country’s tourist treasures.
For a worry-free experience, our Morocco health insurance has you fully covered. Experience Morocco with the peace of mind that only good insurance can provide. Welcome to Morocco, your next great adventure!
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 costs 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 baggage
- Repatriation assistance
- Travel assistance
- Civil liability
Any questions? Need some advice?
Information about health insurance in Morocco
- Political system : Constitutional monarchy
- Capital city : Rabat
- 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 comprises over 150 public hospitals. The private sector is more developed, with 375 private hospitals 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). The rest of private-sector employees are covered by the Caisse Nationale de la Sécurité Sociale (CNSS) and are 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 the sector’s development. However, the introduction in 2012 of access to compulsory health insurance for the poorest Moroccans (RAMED) has not succeeded in helping enough Moroccans.
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 therefore unable to receive or treat patients. 95% of Moroccans with health insurance prefer without hesitation to seek treatment in private clinics. In fact, the service and quality of care is nothing like that offered by the public sector. So, if you’re planning to come to Morocco as an exchange student, expatriate or retiree, it’s essential that you take out Moroccan health insurance! Private insurance, such as that offered by Mondassur, will cover your healthcare costs in the private sector.
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% coverage.
AMO covers a wide range of treatments. These include outpatient care, hospitalization, dental care, maternity care, optical care, paramedical care, treatment of long-term illnesses and pediatrics. 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 (with a ceiling of DH3,000 per year, or €280)
- Optics: frames at DH400 (approx. €38), classic lenses at DH400 (approx. €38) and progressive lenses at DH800 (approx. €76).
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. You can also consult one of the many websites that list doctors by town. They will then suggest you directly to a doctor in your area. We also advise you to contact your embassy or find out more on their website, and contact the medical advisors who will put you in touch with a general practitioner.
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 better able to refer you 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 DH100 and DH200 (between €9 and €18).
- GP at home: more than 150 DH (about €14).
- Office-based specialist: DH150 to DH300 (between €14 and €28).
- Specialist at home: 300 DH (approx. €28).
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 (approx. €75).
- Blood test + analysis: 300 DH (approx. €28).
- Scanner: DH 1,250 (approx. €115).
- Hospitalization (1 night + nursing care + meals and TV) in a single room: 800 DH (approx. 75€).
- Intensive care: DH3,000 (approx. €280).
- Hospitalization in a sterile room: 1,000 DH (approx. €93).
Overview of average dentist prices in Morocco
The price of an initial consultation with a dentist in Morocco is usually 500 DH (around €46). An initial consultation for a dental implant in Morocco, lasting 15 minutes, costs 700 DH (about 65€). For an intraoral X-ray, you will generally be asked to pay 700 DH (about 65€). . To place a crown on an existing dental implant, depending on the type of implant chosen, from 5000 DH (approx. €465). A dental filling will often cost you between 400 DH to 700 DH (between €37 and €65). For a dental extractionyou can be charged between 400 DH and 600 DH (between 37€ and 65€) or even up to 1000 DH (around 93€). in a private clinic. For a cavity, you can expect to pay between 600 DH and 800 DH (between €56 and €74).
The emergency department in Morocco
In the event of an emergency, dial 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. However, 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. In fact, 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. In addition, dn major cities such as Casablanca, Rabat and Marrakech, medical infrastructures are more developed, offering specialized care and modern medical technologies. In rural areas, however, access to healthcare remains a challenge, despite government initiatives to reduce disparities. Morocco is therefore striving to improve its healthcare system through reform and investment, gradually making medical care more accessible to all.
What vaccinations should I have before leaving for Morocco?
Before leaving for Morocco, it’s important to keep your vaccination record up to date. In particular, have your booster doses forhepatitis A andhepatitis B. You should also be vaccinated against rabies and typhoid. Note, however, that Morocco has no cases of malaria. No vaccinations are therefore required. However, it is impossible to enter this country without an international vaccination certificate attesting that you are properly vaccinated.
Paramedical care in Morocco
So you’ll have easy access to any kind of paramedical care in Morocco’s major cities. In fact, there are many specialists who can take care of you. To choose one, we recommend that you ask around or contact your embassy. Here are some examples of average costs for consultations with certain paramedical professionals in Morocco:
- Speech therapist : between DH150 and DH300 (between €14 and €28)
- Osteopath : between 350DH and 500 DH (between 32€ and 46€)
- Optician : between DH200 and DH300 (between €18 and €28)
- Gynaecologist : between DH200 and DH250 (between €18 and €23)
Maternity in Morocco
Are you pregnant in Morocco and wondering where to spend your maternity leave? Between your home country and Morocco? We’ll tell you everything you need to know about maternity care in Morocco in a private clinic.
Pregnancy follow-up in a private clinic is very similar to pregnancy follow-up in Europe. In fact, you’ll be asked to undergo a wide range of tests to check on your child’s health throughout the pregnancy. What’s more, the gynecologist may be able to perform the ultrasound scans himself. He may also have his own ultrasound equipment.
However, the profession of midwife is virtually non-existent in Morocco. So you’ll have to find your own specialist in childbirth preparation. In fact, you won’t find a midwife who can prepare you for childbirth in the clinic.
In addition, the gynecologist who has been with you since the beginning of your pregnancy will assist you during the birth. This is also the gynecologist who is accustomed 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 therefore recommend that you specify to your gynecologist whether you wish to give birth vaginally, naturally, with an epidural, etc…
A Caesarean delivery costs twice or even three times as much as a vaginal delivery, for example. Here is 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 DH4,500 and DH10,000 (between €420 and €935).
- Cesarean delivery: between DH12,000 and DH20,000 (between €1120 and €1870).
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 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’ll also need to take out additional insurance to cover the cost of private healthcare in Morocco. While private health insurance in Morocco will cover you at better rates, even internationally.
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.
