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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 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.
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.
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 cover any health expenses incurred, as well as to benefit from fast access to diagnostics and eligible treatment. 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 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.
Medical consultations and hospitalisation with "MyHealth International"
Examples of reimbursements with MyHealth International COMFORT in relation to the cost of care in Morocco in the private sector*.
*Reasonable costs in the private sector, APRIL International data 01/2022
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.
It only takes a few steps to join and start benefitting from your cover by tomorrow!
1. I look for the cover that suits my situation and choose my options.
2. I request a quote online and sign it electronically.
3. I download the Easy Claim app and take advantage of all my online services.
4. I can get a call back or chat at any time with an adviser.
