Healthcare in Morocco
Who is covered, from what date, and what insurance you need
Morocco is midway through a large reform extending compulsory health insurance, AMO, to the whole population, with contributions collected through the social security fund for employees. Coverage is real for contributors, but public facilities are strained and most foreign residents in Casablanca and Rabat use private clinics backed by private insurance.
| Scheme | Assurance Maladie Obligatoire, compulsory health insurance source |
| Employee contributions | Collected by the national social security fund, shared between employer and employee source |
| Health ministry | Ministry of Health and Social Protection source |
| Practical default for foreigners | Private clinics in Casablanca and Rabat with private insurance |
How coverage is structured
An employee on an authorised contract is registered by the employer with the Caisse Nationale de Sécurité Sociale, contributions are deducted from salary, and the worker and their dependants become entitled to reimbursement of care under the AMO tariff.
The reform extended the compulsory scheme beyond salaried employees to independent workers and professionals, and replaced the earlier assistance scheme for people without means with an insurance-based arrangement. The direction of travel is towards universal cover; the funding and the capacity of facilities are the parts still catching up.
Why foreign residents usually go private
- Public hospitals are concentrated, understaffed relative to demand, and waiting is common for anything that is not urgent.
- The private sector in Casablanca, Rabat, Marrakesh and Tangier is well equipped, and consultations cost a fraction of European private prices even when paid without insurance.
- Reimbursement under AMO is at a set tariff, so a private clinic bill is only partly covered and complementary insurance closes the gap.
- Non-working residents, including people of independent means and many retirees, are not covered by an employer's registration at all and rely wholly on private or international insurance.
- Serious or specialised treatment is sometimes arranged in Europe, and international policies with evacuation cover are common among foreign residents for that reason.
Pharmacies and medicines
Pharmacies are numerous, open on a rota system at night, and pharmacists dispense a wide range of medicines that would require a prescription elsewhere. Prices of locally produced medicines are low; imported branded medicines are considerably more expensive.
Anyone dependent on a specific medication should verify local availability of that exact molecule before relying on it being obtainable.
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