Expatriate insurance in Morocco
Morocco is a generally safe and welcoming country. However, it's essential to know what living conditions are like and what you need to consider before you go. Mondassur therefore provides you with some information about life in Morocco to help you make your decision.
Are you planning to move to Morocco or do you already live there? Are you looking for a health insurance contract that could cover you and your family? Mondassur offers a range of insurance policies in 4 levels to best suit your needs and budget! Don’t wait any longer and discover our offers such as expatriate insurance for the 1st euro!
Our insurance offers for expatriates in Morocco
Expatriate insurance Morocco Gold Nomad Expat
Our policy with good levels of cover, suitable for your expatriation to Morocco.
From
74€
- Worldwide coverage
- Maximum age: 65
- Covers up to 100% of routine medical care
- 100% hospitalization coverage
- Up to €500,000 per year
- Maternity coverage up to €4,500
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Repatriation assistance
- Civil liability
- Individual protection
Expatriate Insurance Morocco Gold Expat Access
Economical international health insurance tailored to your expatriation plans.
From
93€
- Worldwide coverage
- Minimum age: 14
- Maximum age: 65
- Covers 80% of routine medical care
- 100% hospitalization coverage
- Up to €750,000 per year
- Maternity coverage up to €4,500
- Coverage of assisted reproduction up to €500
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Free choice of practitioners and hospitals abroad
- Optional dental and optical care
- Optional repatriation assistance
- Optional third-party liability
Expatriate insurance Morocco Gold Expat Safe
Health insurance with a good cover/price ratio. It offers effective cover against accident and illness.
From
107€
- Worldwide coverage
- Minimum age: 14
- Maximum age: 65
- Covers 90% of common medicine
- 100% hospitalization coverage
- Up to €1,000,000 per year
- Maternity coverage up to €4,500
- Coverage of assisted reproduction up to €1,000
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Optional dental and optical care
- Maternity plus option
- Prevention and well-being as an option
- Optional repatriation assistance
- Optional third-party liability
Expatriate insurance Morocco Gold Expat Premium
Our most comprehensive expatriate health insurance plan in Morocco.
From
138€
- Worldwide coverage
- Minimum age: 14
- Maximum age: 65
- Covers up to 100% of routine medical care
- 100% hospitalization coverage
- Up to €1,500,000 per year
- Maternity coverage up to €6,000
- Coverage of assisted reproduction up to €1,500
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Optional dental and optical care
- Maternity plus option
- Prevention and well-being as an option
- Optional repatriation assistance
- Optional third-party liability
Any questions? Need advice?
How to choose expatriate insurance for Morocco?
| Public hospitals | 152 |
| Private hospitals | 375 |
| Number of doctors per 1,000 inhabitants | 0.76 |
These figures show that the healthcare offer is ultimately insufficient to fully meet the needs of the population. The private sector, although complementary, remains less accessible to a large proportion of Moroccans due to high costs and the limited number of doctors available. Mondassur therefore recommends that you take out private health insurance so that you don’t have to face any considerable expenses.
The Moroccan healthcare system
Morocco has a diversified healthcare system that includes both public and private structures. Health insurance in Morocco is therefore designed to offer basic coverage to its citizens. However, additional private options are available. Indeed, Moroccans and expatriates are often looking for more comprehensive coverage. Whether you’re an expatriate or a resident, understanding this system is essential to choosing the right expatriate health cover in Morocco.
Accommodation in New Zealand
Public health insurance
Firstly, compulsory health insurance (AMO) in Morocco is designed to provide basic coverage for a large proportion of the population. These include employees, the self-employed and their families. This system aims to make healthcare accessible to all, regardless of social or economic status. Secondly, AMO coverage includes partial reimbursement of medical consultations, drugs and hospitalization. However, the quality and effectiveness of medical services can vary.
The cost of AMO is generally calculated on the basis of income. This makes it more affordable for those on modest incomes. Despite this, repayment times can be long, which is often a point of criticism. What’s more, although the system aims to cover a large part of the population, the density of doctors is still insufficient. With just 0.76 doctors per 1,000 inhabitants, Morocco is well below the standards recommended by the WHO.
How much does housing cost in Morocco?
Private health insurance in Morocco therefore offers an alternative and a complement to the limitations of the public system. This option is available to anyone wishing to benefit from more extensive coverage. Mondassur offers rapid care, including consultations, hospitalization and better-quality medication. Processing times are also shorter.
Expatriates and Moroccan residents can choose plans tailored to their specific needs with Mondassur. In fact, it allows access to private healthcare establishments with better infrastructures and more available staff. Although more expensive, private plans ultimately guarantee faster care and better quality services.
These options enable residents and expatriates to find solutions tailored to their needs and budgets. This enables expatriates and their families to better manage their health. That’s why private medical insurance is so important.
Driving in Morocco
Morocco has a diversified network of healthcare facilities, including both public and private hospitals. Public hospitals are widely distributed across the country. Nevertheless, they suffer from overcrowding and long waiting times. Private hospitals, although fewer in number, offer better quality services and faster treatment times.
Major cities such as Casablanca, Rabat and Marrakech have a large number of health centers, offering a wide range of medical services. However, rural areas are often less well served, posing challenges in terms of access to care.
Hospitalization and medical costs also vary. Nights in public hospitals are obviously less expensive than in private establishments. Comprehensive care, including the quality of medical care and the availability of healthcare professionals. These services are generally better in private establishments, justifying the higher costs. So, to cope with these high costs, you can take out long-stay visa health insurance.
What are Moroccan eating habits?
When you move to Morocco, you’ll need to know some emergency numbers to contact the emergency services. Morocco’s emergency system is in fact organized to respond rapidly to critical situations. Here are the main emergency numbers every expatriate should know:
- Civil defence and fire department : 150.
- Police : 190 (centralizes police, fire and health services).
- Royal Gendarmerie : 177 (this service is generally more present in rural areas).
So having these numbers to hand can make a vital difference in an emergency. We therefore recommend that you save them in your phone and display them at home.
What's the school system like in Morocco?
The cost of healthcare services in Morocco varies considerably between the public and private sectors, and between large cities and rural areas. To sum up, here’s an overview of the typical costs you may encounter:
- A doctor’s consultation: a standard consultation with a general practitioner in the private sector generally costs between 200 and 400 MAD (between €19 and €38). You don’t always need a prescription to see a specialist.
- Purchase of medecines : prices of medicines vary, but are often lower than in Europe. You can buy medicines in pharmacies, and some may require a prescription.
- An hospitalization : the cost of hospitalization in a private clinic can be high. They often exceed 1,000 MAD per day (about €94). Out-of-pocket expenses are common, so it’s essential to have expatriate health insurance in Morocco to cover the costs.
- A delivery : the costs of childbirth vary. A Caesarean section, common in Morocco, can cost between 10,000 and 20,000 MAD (between €935 and €1,870 USD) in a private clinic.
- Dental and optical care : dental care is generally affordable, with an average cost of 300 to 800 MAD (between €28 and €75) for a filling.
Therefore, having good health insurance to cover these costs is essential, especially as an expatriate. Our expatriate health insurance in Morocco offers comprehensive coverage, so you can benefit from the best care without worrying about high costs.
How do you integrate in Morocco as an expatriate?
The social security agreement between France and Morocco simplifies health coverage procedures for expatriates. Thanks to this agreement, French workers seconded to Morocco can continue to benefit from French social security while living abroad. As a result, health care in Morocco is not covered in the same way as for the French. This includes, for example, consultations, hospitalizations and medication.
However, expatriates must keep all medical bills and forward them to their social security fund in France for reimbursement. The agreement also covers family benefits and the calculation of retirement pension entitlements. The aim of this agreement is to simplify life for French expatriates and ensure continuity of social protection. Mondassur offers advantageous policies that complement and enhance these provisions. Buying expatriate health insurance in Morocco is still very important for securing the best possible treatment.
Repatriation insurance for Morocco
When you consider living in Morocco as an expatriate, you may be wondering what repatriation insurance is all about. Even so, repatriation insurance should be considered an integral part of your health plan. This insurance covers the cost of emergency medical transport to your home country or another country with adequate medical facilities. Taking out repatriation insurance with Mondassur also guarantees that you will be transported in the best possible medical conditions.
Repatriation insurance often includes coverage for emergency medical expenses, 24/7 medical assistance, and air ambulance if necessary. As a result, the costs of these services are extremely high without adequate health cover. Mondassur offers peace of mind for all expatriates.
Morocco, take stock of your vaccinations
Before you leave to live in Morocco, update your vaccinations! Morocco has no mandatory vaccinations for travelers from Europe or North America. However, certain vaccines are strongly recommended to ensure your health and safety.
Recommended vaccines include those against hepatitis A and B, typhoid, tetanus, diphtheria and polio. So check your measles, mumps and rubella (MMR) vaccination status. For longer stays in rural areas, you should ideally be vaccinated against rabies and meningitis. During periods of high flu transmission, the seasonal flu vaccine is also recommended.
With your vaccinations up to date, you reduce the risk of contracting infectious diseases in Morocco. Our expatriate health insurance in Morocco provides comprehensive coverage for medical consultations and vaccinations. So when you choose Mondassur, you stay protected and healthy, even abroad!
Choose Mondassur for your expatriate health insurance Morocco!
Why buy expatriate insurance in Morocco?
Buying expatriate insurance in Morocco is essential to guarantee your safety and peace of mind in Morocco. As an expatriate, you face unique challenges and specific healthcare needs. These may not be covered by local health systems or standard insurance. Expatriate insurance offers extensive coverage, including emergency medical care, hospitalization and specialized consultations.
What’s more, expatriate insurance in Morocco gives you access to high-quality care without having to worry about the high costs of private healthcare services. It also includes additional benefits such as dental, optical and preventive care coverage. When you choose Mondassur for your expatriate health insurance in Morocco, you benefit from 24/7 assistance and access to a large network of healthcare providers.
It’s never too late to move abroad, and we know that the health of seniors and retirees abroad is an important issue. In this case, expatriate insurance becomes particularly crucial. Morocco attracts many retirees thanks to its pleasant climate and affordable cost of living. However, retirees may be more vulnerable to health problems because of their age. Taking out comprehensive health insurance ensures that any necessary treatment is taken care of quickly and efficiently. Whether for routine care or more complex procedures, good health cover is essential for retirees. This means you can retire with peace of mind and live under the Moroccan sun in total tranquillity.
Quick and easy subscription
We understand that simplicity and speed are crucial when it comes to health insurance for expatriates. Mondassur therefore offers a smooth, fast underwriting system. In just a few clicks, you can get a free personalized quote online. This allows you to compare coverage options, and choose the plan that meets your needs.
Our intuitive online platform guides you through every step of the process! From selecting the type of cover to finalizing your subscription. You can easily provide the necessary information, upload the required documents, and receive instant confirmation of your coverage. What’s more, our customer support team is always on hand to answer your questions. In short, taking out private health insurance with Mondassur is a simple process, during which you will always be accompanied.
A wide choice of warranties
Mondassur offers a variety of cover options tailored to the specific needs of expatriates living in Morocco. Our health insurance plans include coverage options for basic medical care, specialized care, hospitalization and surgery. You can also choose additional guarantees to suit your needs.
Mondassur offers several insurance policies to suit different needs. Whether you need basic coverage for regular consultations or comprehensive coverage including specialized care and emergencies. Our flexible options adapt to your specific needs and budget.
The importance of taking out private health insurance in Morocco is crucial, given the various health problems specific to the region. Here are the main health concerns:
- The gastrointestinal infections caused by drinking contaminated water or eating contaminated food.
- The respiratory illnesses air pollution : large Moroccan cities can suffer from air pollution.
- The typhoid : this bacterial disease is common, especially in rural areas.
- The rabies : it’s a threat, especially for expatriates who come into contact with stray animals.
- Visit climate-related problems : high temperatures in summer can lead to heatstroke and dehydration.
- A limited access to healthcare in rural areas : the lack of healthcare infrastructure in rural areas can also complicate access to care in the event of serious illness or accident.
To prevent these problems, health insurance with extensive coverage is necessary, even for regular consultations. Mondassur is designed to meet these needs, offering comprehensive coverage depending on the offer selected.
Other insurance for Morocco
In addition to health insurance for expatriates, Mondassur offers several other types of insurance to support you in all your projects. These insurances are designed to offer you complete protection and peace of mind.
- Morocco travel insurance: this insurance covers you if you want to discover Morocco.
- Morocco student insurance: specially designed for people with a thirst for learning, this insurance offers coverage tailored to academic insurance needs.
- Morocco health insurance: for an overview of all our offers, see our dedicated page.
We’re here to help you find the solution best suited to your needs and budget. Mondassur will give you peace of mind when you come to Morocco!
