{"id":20250,"date":"2021-08-15T13:48:49","date_gmt":"2021-08-15T10:48:49","guid":{"rendered":"https:\/\/expat-assurance.com\/?p=20250"},"modified":"2021-08-15T13:48:50","modified_gmt":"2021-08-15T10:48:50","slug":"health-insurance-morocco","status":"publish","type":"post","link":"https:\/\/expat-assurance.com\/en\/expat-insurance\/health-insurance-morocco\/","title":{"rendered":"Health Insurance in Morocco for an Expatriate"},"content":{"rendered":"\n<p>Buying the right health insurance in Morocco is essential.<\/p>\n\n\n\n<p>Although medical care costs are lower in Morocco than in other places, the country suffers from shortcomings in its health care system. <\/p>\n\n\n\n<p>And a good health insurance policy can help you to get better coverage.<\/p>\n\n\n\n<p>Let&#8217;s discover all the information you need to choose the right insurance in Morocco!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Morocco&#8217;s Insurance Market<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">AMO in Morocco: Insurance for Everybody<\/h3>\n\n\n\n<p>In 2006, Morocco introduced compulsory health insurance (AMO). It covers many health services: <\/p>\n\n\n\n<ul><li>Maternity care<\/li><li>Radiology<\/li><li>Analysis<\/li><li>Outpatient care<\/li><li>Dental care<\/li><li>Long-term illnesses<\/li><li>Hospitalization.<\/li><\/ul>\n\n\n\n<p>Although, the AMO only covers care and consultations carried out in public establishments. <\/p>\n\n\n\n<p>And depending on the medical act performed, 10 to 30% of the bill remains payable by the patient.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quality and Price of Care in Morocco<\/h3>\n\n\n\n<p>The quality of care in Morocco varies greatly. It&#8217;s satisfactory in the private sector, but insufficient in the public sector. <\/p>\n\n\n\n<p>This is due to a lack of equipment and personnel, especially in rural areas.<\/p>\n\n\n\n<p>There are also inequalities in terms of fees.<\/p>\n\n\n\n<p>In Morocco, the insurance provided by the AMO sets a reference price of about 7 euros for a general practitioner consultation. And 14 euros for a specialist consultation.<\/p>\n\n\n\n<p>However, prices are often higher, especially in cities. And even more so in the private sector:<\/p>\n\n\n\n<ul><li>Around 20\u20ac on average for a general practitioner<\/li><li>30\u20ac for a specialist<\/li><li>350\u20ac for a delivery<\/li><li>72\u20ac for a night in hospital.<\/li><\/ul>\n\n\n\n<p>Even if health care remains less expensive than in Europe, it is still an expense not to be neglected. Especially in case of hospitalization.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Expatriate Insurance in Morocco: AMO Is Not Enough<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">A Simplified Membership<\/h3>\n\n\n\n<p>All expatriate residents, except seconded workers, are required to join the AMO.<\/p>\n\n\n\n<p>There are bilateral agreements between Morocco and some countries. <\/p>\n\n\n\n<p>They allow you to export the benefits and acquired rights from one country to the other. And to get local medical coverage without delay.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Good Reasons to Take Out Health Insurance in Morocco<\/h3>\n\n\n\n<p>AMO benefits are insufficient as insurance for an expatriate in Morocco. Reimbursements are quite low, and only cover care received in the public sector.<\/p>\n\n\n\n<p>However, most expatriates have a vested interest in seeking treatment in private institutions (or even abroad) to get satisfactory coverage.<\/p>\n\n\n\n<p>It is therefore highly recommended to take a look at Morocco&#8217;s insurance market. <\/p>\n\n\n\n<p>A private policy will allow you to be better reimbursed. And will also make you exempt from advance payment in certain partner establishments.<\/p>\n\n\n\n<p>Private insurances also offer coverage for caretaking during your stays outside Morocco. And provide evacuation and repatriation assistance.<\/p>\n\n\n\n<p>Please note, however, that taking out health insurance in Morocco does not exempt you from being affiliated with the AMO.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Choosing Your Health Insurance in Morocco<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Social Security for Expatriates<\/h3>\n\n\n\n<p>In some countries, expatriates have the option to be covered by their national Social Security system.<\/p>\n\n\n\n<p>In most places, its contributions are calculated according to the age and family situation of the insured. Also, it does not refuse any membership.<\/p>\n\n\n\n<p>For this, it can be an interesting solution for young single people. <\/p>\n\n\n\n<p>Or for those with medical pre-existing conditions that could lead to exclusions or higher premiums with private companies.<\/p>\n\n\n\n<p>Before subscribing, it is important to compare its coverage and rates with those of other contracts. <\/p>\n\n\n\n<p>Normally its reimbursements are calculated on the same basis as those of the country of origin. And repatriation is not covered.<\/p>\n\n\n\n<p>Social Security insurance alone does not always cover all the health expenses that may be incurred in Morocco.<\/p>\n\n\n\n<p>It is generally necessary to subscribe to a complementary policy with another organization. <\/p>\n\n\n\n<p>The coverages and reimbursements will be better, but the premium will also be higher.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1st Euro Contracts in Morocco: An Insurance Solution for Foreigners<\/h3>\n\n\n\n<p>The 1st euro contracts are often the best health insurance in Morocco for an expat. Even if there is a mandatory medical questionnaire at the time of enrollment.<\/p>\n\n\n\n<p>Numerous formulas with various ranges of guarantees exist on the market. Everyone will be able to find the coverage that suits him, according to his needs and his budget.<\/p>\n\n\n\n<p>The price-quality ratio of these expatriate insurance contracts is generally very satisfactory. Health expenses are covered from the first euro spent and at the actual cost.<\/p>\n\n\n\n<p>It is also possible to benefit from guarantees outside the health field (legal assistance and civil liability, protection of luggage against loss or theft, death benefit\u2026). <\/p>\n\n\n\n<p>This makes it a very complete insurance solution for an expatriate in Morocco.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Buying the right health insurance in Morocco is essential.<br \/>\nAlthough medical care costs are lower in Morocco than in other places, the country suffers from shortcomings in its health care system. And a good health insurance policy can help you to get better coverage.<br \/>\nLet&#8217;s discover all the information you need to choose the right insurance in Morocco!<\/p>\n","protected":false},"author":5,"featured_media":7347,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[200],"tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.9 (Yoast SEO v24.5) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Health Insurance in Morocco for an Expatriate - Expat Assurance<\/title>\n<meta name=\"description\" content=\"Read here about health insurance in Morocco. Find information on its insurance market, and the different policies available for foreigners.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/expat-assurance.com\/en\/expat-insurance\/health-insurance-morocco\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Health Insurance in Morocco for an Expatriate\" \/>\n<meta property=\"og:description\" content=\"Read here about health insurance in Morocco. 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