Public, private and health insurance
A two-tier system: public hospitals, including the CHU Ibn Rochd, and good private clinics where most expat families go. Compulsory health insurance covers employees, but leaves a share to pay.
Good to know
- Morocco has both public hospitals and private clinics; GPs and specialists are plentiful and affordable, private clinics are less so. Every major city has at least one public hospital, Casablanca a university hospital. Source
- As a private-sector employee, your employer registers you with the compulsory health insurance (AMO) run by the CNSS: consultations, tests and radiology reimbursed at 70 % of the national reference tariff, hospitalisation at 70 to 90 % depending on the sector, children covered up to 21 (26 if studying). Source
- Actual fees at practices and clinics often exceed the reference tariff: most families add employer cover, a top-up plan, or the Caisse des Français de l'étranger (CFE), a voluntary scheme that keeps your rights continuous with French social security. Source
- You pay upfront: hospitals may demand full payment before the patient leaves, and the consulate covers neither care nor medical repatriation. Accident and health cover is essential, even for a short stay. Source
- Still insured in France (secondment, early days)? You pay on the spot and claim reimbursement back home with form S3125, capped at French rates; French health insurance does not cover repatriation, even in an emergency. Source