Taking out health insurance for Morocco is not mandatory.
But whether you are an expatriate or a simple traveler, it is a guarantee that you will receive good care and assistance.
No matter what are the circumstances or the unforeseen events that take place. It will also save you from paying large sums of money in an emergency.
In this article, you will find some useful information about the Morocco insurance market.
Why Take Out Health Insurance Living in Morocco?
Expats Can Easily Access Moroccan Health Insurance…
Morocco has a lot to offer to expats when it comes to medical assistance.
Health care and consultation fees are generally lower than in Europe and the United States. And there are many bilateral agreements with foreign countries.
Foreigners can benefit from the AMO (mandatory medical insurance) in Morocco. It covers many health services such as hospitalizations, tests, examinations, dental care, and maternity.
… But Local Insurance Is Insufficient for Foreigners
In reality, AMO is not enough as single health insurance for living in Morocco.
The patient is responsible for 10 to 30% of the bill. And only care and consultations performed in public institutions are covered.
However, the public health system in Morocco has many weaknesses. There is a huge lack of staff and equipment. And there are noticeable inequalities in supply between cities and rural areas. This pushes foreigners to the private sector.
Since rates are higher in the private sector, it’s recommendable to get insurance. The cost of care without it can quickly rise, especially in the case of hospitalization.
Health Insurance for Morocco: An Ally for Travelers and Expatriates
Coverage Offered by International Insurance Companies in Morocco
Taking out an international insurance policy for Morocco is the best solution to be well covered. It will also give you other advantages, such as the waiver of advance payment in partner centers.
Among the essential guarantees, you’ll find health care and hospitalization. But also repatriation assistance, included in all international insurance contracts.
This is a risk not to be neglected in Morocco. It is not uncommon to have to return to your home country to receive better care.
However, neither the AMO nor Social Security covers the repatriation of insured persons.
An Insurance That Will Follow You Everywhere
Taking out a private policy with one of the international insurance companies in Morocco is highly recommended.
You will have by your side contacts who are experts in issues related to travel or expatriation. Plus, all the bureaucratic procedures are simplified.
It also means benefiting from coverage that follows you during your stay in Morocco, and anywhere in the world. Whether on vacation abroad or a business trip in your home country.
But beware. Just because you have international insurance in Morocco does not mean you should neglect to join the AMO. This is mandatory for all residents.
Choosing Your Health Insurance for Morocco
1st Euro Contracts: The Most Flexible Option in the Morocco Insurance Market
Many expatriates and travelers choose to take out a “1st euro/dollar policy”. Because of the ease of management, value for money, and flexibility of this type of coverage.
This type of contract guarantees coverage of health expenses at actual cost, from the first euro or dollar paid.
Repatriation assistance is included, and it is possible to benefit from a variety of guarantees adapted to more individualized needs. There are many options in the Morocco insurance market.
Social Security Supplementary Policies
The health insurance for Morocco offered by Social Security may seem more limited. For example, it does not include repatriation assistance.
It may also seem less advantageous due to its relatively low reimbursement ceilings. They are the same as in your home country.
However, joining Social Security may be of interest to people with pre-existing medical conditions. As there is no medical questionnaire to fill out when joining. Young people also benefit from attractive rates.
Above all, it is advisable to subscribe to supplementary insurance to the Social Security with a third party company. This allows you to benefit from extended guarantees and better reimbursements.
The total cost of the international insurance policy in Morocco increases with this subscription. But it can be interesting to compare the guarantees and the rate of such a solution with some contracts at the 1st euro. Online comparators make it easy to do this.