Health Insurance in Morocco 2026: AMO, Supplementary, Private Plans

Understanding Morocco's health coverage system can be complex. AMO, CNSS, CNOPS, private health insurance... This guide helps you see clearly and choose the right coverage for your situation.

Morocco's Healthcare System

Morocco has extended health coverage through the AMO (Assurance Maladie Obligatoire — Mandatory Health Insurance), managed by the CNSS for the private sector and the CNOPS for the public sector. In 2025, more than 35 million Moroccans benefit from basic coverage.

However, AMO only covers a portion of healthcare costs (approximately 70% of the référence tariff). This is where supplemental health insurance comes in.

AMO: Mandatory Health Insurance

CNSS (Private Sector)

• Contribution: 6.37% of salary

• Reimbursement: 70% of national tariff

• Cap: variable by type of care

• Direct billing: at approved clinics

CNOPS (Public Sector)

• Contribution: 5% of salary

• Reimbursement: 80% of national tariff

• Better medication coverage

• Extensive public hospital network

Why Get Supplemental Coverage?

AMO leaves an out-of-pocket balance that can be significant, especially for dental care, optical care and hospitalisation in private clinics. Supplemental health insurance allows you to:

✓Cover the remaining balance after AMO reimbursement
✓Access private clinics and doctors
✓Receive reimbursements for optical and dental care
✓Have international coverage (travel, emergencies abroad)

Types of Coverage Available

In Morocco, you have several types of supplemental coverage to choose from:

Employer Group Plan

Offered by the employer, usually the most advantageous option since the company covers 50% or more of the contribution.

Individual Health Insurance

Offered by insurance companies (AXA, RMA, Wafa, Saham...). More flexible but more expensive than an employer group plan.

Association-based Plan

Offered by social welfare organisations for certain professions or associations.

Plan Comparison

Plan	Monthly Premium	Hospitalisation	Optical/Dental
Essential	200 – 350 MAD	80% of AMO balance	1,000 MAD/year
Comfort	350 – 600 MAD	100% of AMO balance	3,000 MAD/year
Premium	600 – 1,200 MAD	100% + private room	5,000 MAD/year + implants

How to Choose

1.Your family situation — A single person has different needs from a family of four.
2.Your health condition — If you have regular care needs (glasses, dental), a Comfort plan is recommended.
3.The care network — Check that your preferred doctors and clinics are in the insurer's network.
4.Waiting periods — Some plans impose a waiting period before covering major treatments (3 to 12 months).

Our Recommendations

✔Compare at least 3 offers before signing up
✔Prioritise a plan with direct billing to avoid paying upfront
✔Read the exclusions and reimbursement caps carefully
✔Negotiate with your employer for a group plan if one is not already offered

Wafir Tip

Before signing up for a health plan, assess your current coverage and actual needs. Use our insurance comparison tool to get personalised quotes in minutes. Also check our home insurance guide for comprehensive protection.

Frequently Asked Questions

What is the difference between AMO and supplemental health insurance?

AMO (Mandatory Health Insurance) is the basic coverage managed by the CNSS or CNOPS. It reimburses approximately 70% of the national référence tariff. Supplemental insurance covers the remaining out-of-pocket balance not reimbursed by AMO, including excess charges, optical care, dental care and hospitalisation in private clinics.

How much does health insurance cost in Morocco?

Premiums vary by plan: from 200 to 350 MAD/month for an essential plan, 350 to 600 MAD/month for a comfort plan, and 600 to 1,200 MAD/month for a premium plan. Employer group plans are generally cheaper since the employer covers part of the contribution.

Can self-employed workers benefit from AMO?

Yes, since the generalisation of social coverage in Morocco, self-employed workers, traders, craftspeople and liberal professionals are affiliated to AMO through the CNSS. Contributions are calculated based on declared income. This coverage can be supplemented with individual health insurance.

What exactly does AMO cover in Morocco?

AMO covers medical consultations, medications (from the reimbursable medicines list), laboratory tests, hospitalisation, maternity and long-term conditions (ALD). The reimbursement rate is generally 70% of the national référence tariff for CNSS and 80% for CNOPS.

How do I choose between the different plans available?

Assess your actual needs based on your family situation, health condition and medical habits. Compare premiums, reimbursement rates, the approved care network, waiting periods and exclusions. Prioritise a plan with direct billing to avoid paying upfront.