Health Insurance in Morocco
Find the best complementary health insurance for you and your family. Up to 80% reimbursement on your care.
Compare health insurance plans and benefit from medical coverage adapted to your needs.
Guarantees and coverage
Discover the main guarantees included in mutuelle santé in Morocco.
Hospitalisation et chirurgie
Prise en charge des frais d'hospitalisation, interventions chirurgicales et séjours en clinique privee.
Soins courants
Remboursement des consultations médicales, analyses biologiques et imagerie médicale.
Optique et dentaire
Prise en charge des lunettes, lentilles, soins dentaires, protheses et orthodontie.
Maternite et pediatrie
Couverture complete de la grossesse, de l'accouchement et des soins pediatriques pour vos enfants.
Maladies graves
Prise en charge renforcee en cas de maladie grave : cancer, maladies cardiovasculaires, AVC.
Medecine douce
Remboursement des seances d'osteopathie, acupuncture, kinesitherapie et autres medecines alternatives.
Coverage levels
Choose the level of protection suited to your needs and budget.
À partir de 200 MAD/mois
- Hospitalisation (plafond 100 000 MAD)
- Consultations generalistes
- Analyses et radio
- Pharmacie (70%)
À partir de 450 MAD/mois
- Hospitalisation (plafond 300 000 MAD)
- Consultations specialistes
- Optique et dentaire
- Maternite
- Pharmacie (80%)
- Medecine douce
À partir de 800 MAD/mois
- Hospitalisation illimitee
- Chambre individuelle
- Soins à l'étranger
- Optique et dentaire renforces
- Maternite premium
- Medecines alternatives
- Check-up annuel offert
Partner insurers
Compare mutuelle santé offers from Morocco's leading insurers.
| Insurer | Type | Website | Action |
|---|---|---|---|
Wafa Assurance وفا للتأمين | assurance | www.wafaassurance.ma | Compare |
RMA Assurance RMA للتأمين | assurance | www.rma.ma | Compare |
Sanlam (ex-Saham) سنلام للتأمين | assurance | www.sanlam.ma | Compare |
AXA Assurance Maroc أكسا للتأمين المغرب | assurance | www.axa.ma | Compare |
AtlantaSanad أتلانتا سند | assurance | www.atlanta.ma | Compare |
Allianz Maroc أليانز المغرب | assurance | www.allianz.ma | Compare |
Wafa Assurance
وفا للتأمين
RMA Assurance
RMA للتأمين
Sanlam (ex-Saham)
سنلام للتأمين
AXA Assurance Maroc
أكسا للتأمين المغرب
AtlantaSanad
أتلانتا سند
Allianz Maroc
أليانز المغرب
Frequently asked questions
Answers to the most common questions about mutuelle santé in Morocco.
Quelle est la difference entre l'AMO et une mutuelle santé ?
Les travailleurs independants peuvent-ils souscrire une mutuelle ?
Y a-t-il un delai de carence ?
Comment choisir entre une mutuelle individuelle et collective ?
Les soins à l'étranger sont-ils couverts ?
Everything you need to know about mutuelle santé in Morocco
Morocco's health system rests on two pillars: mandatory health insurance (AMO), managed by CNSS for the private sector and CNOPS for civil servants, and private complementary health insurance offered by insurance companies. Despite significant progress in the universal health coverage launched in 2022, basic reimbursements do not cover all medical costs, particularly in the private sector. This is where complementary health insurance steps in, covering the co-payment and fee overruns that can represent 40 to 60% of the total cost of care.
Health out-of-pocket spending by Moroccan households represents on average 50% of total care costs, one of the highest rates in the MENA region. Private clinics in Casablanca, Rabat and Marrakech often charge 2 to 3 times more than AMO reference rates. A 3-day hospitalisation in a Casablanca private clinic can cost between 15,000 and 50,000 MAD, of which only 30 to 40% is reimbursed by AMO. The biggest cost items are: surgical hospitalisation, dental care (crowns, implants), optical (progressive lenses, contact lenses) and maternity (follow-up + delivery in a private clinic: 20,000 to 40,000 MAD).
Complementary health insurance premiums in Morocco range from 2,000 to 8,000 MAD/year for a single person, and from 5,000 to 20,000 MAD/year for family cover. The main criteria to consider are: the annual reimbursement cap (the best offers go up to 500,000 MAD/year), the hospitalisation reimbursement rate (70% to 100%), optical and dental coverage (often capped), the network of contracted clinics and the waiting period (generally 3 to 6 months for maternity, 12 months for dental).
Wafir.ma helps you compare health insurance from Morocco's leading insurers. Our free comparator analyses your family profile (single, couple, family with children), your everyday care, hospitalisation, optical and dental needs to recommend the most suitable offers. We compare plans from Wafa Assurance, RMA, AXA Maroc, Sanlam, Allianz Maroc and AtlantaSanad. The service is 100% free and without commitment.
Compare mutuelle santé offers now
Find the best coverage at the best price by freely comparing offers from 6 Moroccan insurers. Result in 2 minutes.
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Other insurance types
Discover all our insurance categories to compare.
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