Is school insurance mandatory in Morocco? What exactly does it cover? This guide answers these questions, compares 6 insurers (prices from 100 to 500 MAD/year), and explains the difference between a collective contract taken out by the school and an individual policy subscribed by parents.
Is School Insurance Mandatory?
In Morocco, school insurance is not legally mandatory by law for parents. However, most private schools and many public schools make it a de facto requirement for enrolment, either by subscribing to a group policy on behalf of all pupils or by requiring individual proof of coverage.
For public schools, the Ministry of Education has progressively pushed for collective group insurance, but implementation varies by region. In practice, most schools in urban areas require some form of coverage.
Bottom Line
Even if not legally required, school insurance is strongly recommended. School accidents are common (sports, playground, transport) and the civil liability component protects you if your child causes an accident injuring another pupil.
What Does School Insurance Cover?
Standard Guarantees
- ✓ Accidents during school hours
- ✓ Home-to-school travel (direct route)
- ✓ Extracurricular school activities
- ✓ Civil liability towards third parties
Optional / Premium Guarantees
- ✓ Weekend and holiday accidents
- ✓ Sports injuries (all sports)
- ✓ Dental care following an accident
- ✓ School trip abroad coverage
Prices by Insurer (2026)
| Insurer | Basic Plan | Enhanced Plan | Civil Liability |
|---|---|---|---|
| Wafa Assurance | 100 MAD/yr | 220 MAD/yr | Included |
| RMA Assurance | 120 MAD/yr | 250 MAD/yr | Included |
| Saham Assurance | 130 MAD/yr | 280 MAD/yr | Included |
| AXA Maroc | 150 MAD/yr | 350 MAD/yr | Included |
| Allianz Maroc | 180 MAD/yr | 420 MAD/yr | Included |
| Atlanta Assurance | 110 MAD/yr | 240 MAD/yr | Included |
Collective vs. Individual Policy
School Group Policy
- ✓ Lower cost (negotiated group rate)
- ✓ Automatic enrolment at registration
- ✗ Limited coverage (school hours only)
- ✗ Claims managed by school, not parent
Individual Policy
- ✓ 24/7 coverage including weekends
- ✓ Parent controls claims directly
- ✓ Customisable coverage options
- ✗ Slightly more expensive
Comparison of 6 Insurers
See the price table above. When choosing, consider: the maximum accident benefit, the civil liability limit (minimum 500,000 MAD recommended), and whether the policy covers all extracurricular activities including sports trips abroad.
Frequently Asked Questions
Can I insure my child even if the school has a group policy?
Yes, and it is recommended. An individual policy complements the school's group policy by extending coverage to weekends, holidays, and sports outside school. The two policies apply in sequence (one covers the other's gaps).
How do I file a claim after a school accident?
Report the accident to the school principal immédiately. The school issues an accident report (constat d'accident scolaire). Keep all medical receipts. Submit the report and receipts to your insurer within the deadline specified in your policy (usually 5–15 days for the initial declaration).
Does school insurance cover road accidents during the school run?
Most policies cover the direct home-to-school route on foot or by public transport. If the child is in the family car, the car insurance (third-party or comprehensive) applies. If the child takes a school bus, the bus operator's insurance covers accidents aboard.
Sources and References
- 1. ACAPS — Insurance regulation in Morocco, school insurance standards
- 2. Ministry of National Education — School insurance guidelines for public schools
- 3. FMSAR — Moroccan Federation of Insurance and Reinsurance Companies
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