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HEALTHCARE SYSTEM
Health insurance in Morocco
Discover how the system works 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. 
Visiting a doctor 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 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 medication 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 
Get your health insurance for Morocco
MSH can help you design the best international health insurance plan to suit your needs.

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Going for a year or more?                                                         
Explore our comprehensive and highly flexible health insurance solutions to protect you and your family while you're abroad.
QUICK FACTS
OFFICIAL NAME
Kingdom of Morocco
MAIN CITIES
Casablanca, Fes, Marrakech, Tangier, Meknes, Agadir
CAPITAL
Rabat
GOVERNMENT
Unitary parliamentary constitutional monarchy
COMMON LANGUAGE(S)
32%
French
CLIENT STORIES
Client story: they were there for my baby

Laure and Robert moved to Singapore in 2014 for work - but they ended up starting a family there too! She told MSH that she was pregnant and was amazed by all the support she got. First she received a practical guide on pregnancy (what to do at each stage, medical exams etc.) and then a member of the team called her to explain all her guarantees personally and advise her on the best place to give birth. The day her daughter was born, a gift pack arrived with a growth chart and a baby toy, with all good wishes from MSH. And now there's another one on the way...
Client story: No worries mate!

Tanguy subscribed to Start’Expat to cover his gap year in Australia. He was out roller-skating one day when he slipped and blacked out for a few minutes. A passerby directed him to the nearest hospital for a scan. Fortunately, there was nothing serious and he was delighted to learn that all the expenses from €400 would be paid by MSH in advance, saving him a total of €513 -that's a lot of money for a student!   
Client story: The right decision

Bill and his family are based in Brazil. Unhappy with his previous insurer, Bill switched to MSH in December 2015: "One of the best decisions I've made since I've been here", he says, "for the level of service and the breadth and quality of the network."  Bill's insurance card is now recognized by the biggest and best hospitals in Sao Paulo. He even gets third-party payment for simple hospital tests without needing prior agreement: "MSH makes life easy", says Bill. 
DISCOVER THEIR STORIES
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