All you need to know about
health insurance in Morocco

Understanding Mutual Insurance for expatriates in Morocco

Moving to Morocco as an expatriate means planning ahead for health coverage. A mutual insurance plan in Morocco provides additional protection to basic health insurance schemes, by covering a portion of medical expenses not covered by the Assurance Maladie Obligatoire (AMO). Subscribing to a mutuelle is therefore essential to guarantee optimal access to healthcare when planning an expatriation or a long-term stay in Morocco.

How mutual insurance works

Mutual insurancecompanies are based on a fundamental principle: solidarity between their members. Unlike traditional insurance companies, their aim is not profit, but collective well-being. Each member contributes to a common fund, which is used to finance healthcare reimbursements. Rather than generating dividends for shareholders, surpluses are reinvested to improve cover and access to care. A model based on mutual aid, where everyone contributes to better protect all members.

Advantages of Mutuals

Opting for a health mutual in Morocco means ensuring peace of mind when it comes to medical expenses. Here are the main advantages:

• Complementary coverage: A mutual health insurance plan covers all or part of the costs that the Assurance Maladie Obligatoire (AMO) does not reimburse, thus lightening your health budget.
• Greater access to care: Depending on the plan you choose, you can be reimbursed for optical care, dental care, specialist consultations and even certain procedures not covered by AMO.
• Fewer out-of-pocket expenses: Thanks to the “tiers payants ” system, you no longer need to pay medical expenses in advance! Simply show your mutuelle card, and you can access care with complete peace of mind.

Choosing your expatriate health insurance

The choice of mutual insurance depends on the specific needs of each individual or family. It’s important to compare offers according to the following criteria:

• Reimbursement ceilings: some contracts offer ceilings of up to DH200,000, or even more, depending on the formulas chosen.
• Reimbursement rates: rates can vary, reaching up to 90% of costs incurred for certain services.
• Services covered: check whether the mutual insurer covers specific services such as maternity, dental care, optical care or preventive procedures.
• Partner network: a wide network of partner healthcare providers can facilitate access to care and to the “tiers payants” system.

Examples of International health insurance plans for Morocco

French nationals living in Morocco or spending a long period of time there need appropriate health cover, particularly to supplement their local health insurance. Several insurers offer specific solutions:

• Allianz Care: offers international coverage for hospital, optical and dental care.
• Cigna Global: Modular health insurance with reimbursement of medical expenses and options for maternity or mental health.
• APRIL International: Guarantees coverage of medical expenses in Morocco and France, with repatriation assistance.
• AXA Global Healthcare: Offers flexible coverage for expatriates, with access to a wide network of healthcare providers.

To help you choose the best health cover in Morocco, Santexpat.fr will help you compare and take out the insurance best suited to your situation.

Expatriate health insurance for Morocco

Mutual insurances in Morocco are an essential complement to AMO, offering enhanced protection against the vagaries of health. It is essential to carefully analyze your needs and compare the different offers available to choose the mutual insurance best suited to your personal and family situation.