Health coverage

Health insurance in Morocco

Public schemes (CNOPS, CNSS, AMO, RAMED) + private insurance · comparison of reimbursements and contributions.

Mandatory public schemes

Comparison of the 4 main health insurance schemes in Morocco.

🏛️

CNOPS

National Fund for Social Welfare Organisations

Beneficiaries

Civil servants, State and local government agents + dependants (~5 million people)

Contribution

2.5 % of gross salary (employee) + 2.5 % (employer) — capped

Outpatient

80 % of the reference rate (TNR) with BPC

Hospitalisation

90 % in public hospital, 70 to 80 % in private clinic

Pharmacy

70 % of reimbursable medicines, 100 % for chronic ALD

Dental

Conservative care 80 %, prostheses 70 % capped

Optical

600 MAD / 2 years adult, 1 000 MAD / year child allowance

Cap

No overall cap, but reference rates

✓ Strengths

  • •Best public coverage in Morocco
  • •Direct payment agreements with clinics, pharmacies, laboratories
  • •ALD (long-term illness) covered at 100 %
  • •Online management via Mychifa

⚠ Limits

  • •Reimbursement times of 30 to 60 days
  • •Reference rates low compared to actual rates
  • •Mandatory — no choice of scheme
💼

CNSS

National Social Security Fund

Beneficiaries

Private sector employees + dependants (~7 million members)

Contribution

2.26 % of salary (employee) + 4.11 % (employer) — capped at 6 000 MAD/month contributed

Outpatient

70 % of the reference rate with paid invoice

Hospitalisation

80 to 90 % in contracted establishments

Pharmacy

70 % of reimbursable medicines

Dental

Care 70 %, prostheses 50 % capped

Optical

400 MAD / 2 years allowance

Cap

Annual cap per procedure as per NGAP

✓ Strengths

  • •Daily sickness benefits
  • •Family allowances
  • •14-week maternity leave at 100 %
  • •Online portal Taamine Cheghal

⚠ Limits

  • •Lower reimbursement rate than CNOPS
  • •Sometimes long delays (60 to 90 days)
  • •Limited dental and optical coverage
🛠️

AMO

Compulsory Health Insurance (self-employed)

Beneficiaries

Craftsmen, traders, professionals, farmers (law 98-15)

Contribution

6.37 % to 10 % of declared income depending on category

Outpatient

70 % of the reference rate

Hospitalisation

80 % in contracted establishment

Pharmacy

70 % of reimbursable medicines

Dental

Care 70 %, prostheses 50 %

Optical

400 to 500 MAD / 2 years allowance

Cap

According to schedule

✓ Strengths

  • •Includes the previously uncovered self-employed
  • •Progressive generalisation 2021-2026
  • •Access to the same care as CNSS

⚠ Limits

  • •High contribution for modest incomes
  • •Income declaration mandatory
  • •Effective coverage still rolling out
🤝

RAMED

Medical Assistance Scheme

Beneficiaries

People in vulnerable situations (~11 million beneficiaries, income criterion)

Contribution

120 MAD/person/year (families in absolute poverty: free)

Outpatient

100 % in public hospital with RAMED card

Hospitalisation

100 % in public hospital and university hospitals only

Pharmacy

Generic medicines in hospital

Dental

Emergency care only

Optical

Not covered

Cap

Total free of charge

✓ Strengths

  • •Total free care in public hospital for the most vulnerable
  • •Covers chronic diseases
  • •No contribution for families in absolute poverty

⚠ Limits

  • •Private sector not covered
  • •Perceived quality varies by hospital
  • •Being integrated into universal AMO

Private health mutuals & insurance

Top up your public scheme or take out independent insurance for higher coverage.

Wafa Assurance

Comprehensive

Individuals and groups

200-1 200 MAD/month

  • ✓100 % hospitalisation
  • ✓Enhanced optical
  • ✓Teleconsultation included
  • ✓Maternity

AXA Assurance Maroc

Comprehensive

Individuals, expatriates, businesses

250-1 500 MAD/month

  • ✓International network
  • ✓Medical repatriation
  • ✓Screenings included
  • ✓Mobile app

RMA Watanya

Top-up

CNOPS / CNSS top-up

150-800 MAD/month

  • ✓Tops up public schemes
  • ✓High dental and optical caps
  • ✓Direct payment

Saham Assurance (Sanlam)

Comprehensive

Corporate groups

Group contracts

  • ✓Flexible plans
  • ✓Chronic illness coverage
  • ✓Care network

Atlanta Assurance

Comprehensive

Individuals and SMEs

180-1 000 MAD/month

  • ✓Partial alternative medicine
  • ✓Spa treatment
  • ✓Enhanced prostheses

MGPAP (Police mutual)

Top-up

Security civil servants

By rank

  • ✓CNOPS top-up
  • ✓Social benefits
  • ✓Medical accommodation

Checklist — What should your insurance cover?

Check each category when comparing quotes.

Routine care

  • GP consultation
  • Specialist consultation
  • Biological tests
  • Basic radiology

Hospitalisation

  • Single room
  • Surgical procedures
  • Anaesthesia
  • Carer's room

Dental

  • Conservative care
  • Dental prostheses
  • Adult / child orthodontics
  • Implants

Optical

  • Corrective glasses
  • Lenses
  • Refractive surgery (LASIK)

Maternity

  • Pregnancy follow-up
  • Normal / caesarean delivery
  • Preparation classes
  • Neonatal stay

Alternative medicine

  • Osteopathy
  • Acupuncture
  • Psychologist (non-doctor)
  • Physiotherapy without prescription

Abroad

  • Medical repatriation
  • Emergencies abroad
  • Hospitalisation cost advance

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Frequently asked questions

Can I combine CNOPS / CNSS with private insurance?+

Yes, and it is even recommended. Public schemes cover the reference rates (TNR). Private clinics charge 2 to 5 times these rates. Top-up insurance covers the remaining out-of-pocket cost. Reimbursement order: first the mandatory scheme, then the top-up insurance on the difference.

What does CNOPS cover compared with CNSS?+

Both cover consultations, hospitalisation, tests, pharmacy with prescription. CNOPS reimburses better (80 % vs 70 %) and has more extensive direct payment agreements. For major expenses (hospitalisation, optical, dental), CNOPS offers higher annual allowances.

What is an ALD (long-term illness)?+

Official list of 41 chronic diseases (diabetes, cancer, HIV, kidney failure, etc.) covered at 100 % by CNOPS / CNSS. Your doctor submits a file, the fund's medical adviser validates it. The ALD covers consultations, medicines and tests related to the condition.

How to choose top-up insurance?+

Check: the annual cap per procedure (especially dental and optical), the partner care network in your city, direct payment (no advance fees), the waiting period (0 to 6 months), maternity coverage, exclusions (pre-existing). Compare with our Wafir.ma tool.

What if I work abroad (MRE)?+

CNOPS / CNSS only cover care in Morocco. For Moroccans living abroad, take out international health insurance (AXA, April International, GeoBlue) or Moroccan private insurance with an MRE option. Some offer coverage on returns to Morocco.

How much does private insurance cost in Morocco?+

For a young, healthy individual: 150 to 300 MAD/month for a basic plan, 400 to 800 MAD for a comfort plan, 1 000 MAD or more for premium with single room and international network. Family: 600 to 2 500 MAD depending on the plan. Increases with age and medical history.