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The healthcare system in Morocco
There are two types of health insurance scheme available to you in Morocco: one public and one private.
THE PUBLIC HEALTHCARE SYSTEM
The social protection system covers all employees for sickness, maternity, invalidity and retirement.
Since 2005, all Moroccan citizens are required to be members of a basic medical scheme, AMO, via their local branch.
The most needy have access to a Medical Assistance Scheme (RAMED). This scheme is based on the principle of social welfare and national solidarity. It allows persons who are not paying into the AMO to benefit from treatment dispensed in public medical centres as well as state-provided health services.
Good to know: France and Morocco have signed a bilateral Social Security agreement. If you are an employee of a company based in France, your employer can keep you in the French Social Security scheme.
What cover does AMO provide?
Employees enrolled in the statutory health insurance scheme have medical cover as do their spouses and unmarried dependent children under the age of 21.
AMO covers a broad range of health services:
- General medicine and medical and surgical specialties,
- Pregnancy, childbirth and post-natal care,
- Laboratory tests,
- Radiology and medical imaging,
- Optical care,
- Oral health,
However, accidents at work and occupational diseases are not covered.
You are entitled to AMO benefits from the 55th day of contribution.
Access to care in the public sector consists of two networks:
- Basic healthcare dispensed in clinics,
- More specific healthcare dispensed in hospitals: local or provincial hospitals, regional hospitals (advanced services) and university hospitals.
You are free to choose your doctor and health centre.
How much does AMO cost?
Law no. 65-00 establishing basic medical cover entrusted CNOPS (National Social Welfare Organisations) with the management of compulsory health insurance for workers and retired employees from the public sector (government, local authorities and public institutions) and the CNSS (National Social Security) with management of employees and retired workers from the private sector.
For employees receiving AMO benefits via CNOPS:
Contributions are set at 5%, shared equally with the employer. 2.5% is levied directly on the monthly salary. The minimum contribution is 70 dirhams and the maximum cannot exceed 400 dirhams.
CNOPS reimbursements are calculated on the basic rate, the rest being borne by the employee.
For employees receiving AMO benefits via the CNSS:
The contribution rate is 4% shared equally with the employer, i.e. 2% levied on the monthly salary.
What you need to do:
Private sector employers enrol their employees in the CNSS, so that they can obtain an insurance card and receive AMO benefits.
Public sector employees must register with CNOPS order to access AMO benefits.
The company is free to add top-up cover to this basic insurance.
THE PRIVATE HEALTHCARE SYSTEM
The employee pays into Moroccan Social Security and into a top-up plan at the same time.
There is a charge for belonging to the top-up plan.
The insured can also contribute to a private insurer. They can then go to any doctor in any clinic.
Treatment is fully reimbursed depending on the terms of the insurance policy.
The private sector is well developed in Morocco and is made up of primary care doctors, specialists, private clinics etc.
Treatment is of better quality but the prices are higher.
Date of publication May 3, 2012