Health insurance in Morocco
Medical coverage for expats & foreigners
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Why get private health insurance in Morocco?
Morocco's public scheme (AMO) works well for Moroccans. But for foreigners, the only way in is a Moroccan employment contract, and even then, the card takes 6–12 weeks to arrive. Retirees, nomads on tourist status, and students get no access at all. And here's the catch for the employed: the public scheme reimburses at the official public tariff, while private clinics charge three to five times that amount.
So private cover is what actually protects you. Without it, a private GP visit runs about MAD 300 (€28), and a hospital day around MAD 2,750 (€257).
Plus, every residence permit (Carte de Séjour) application requires proof of health insurance.
How does the healthcare system work in Morocco?
The public system
Morocco's mandatory scheme (AMO) runs through social security for private-sector workers and a separate fund for public-sector staff. Foreigners on a Moroccan contract are automatically enrolled, but the card takes 6–12 weeks to arrive, and retirees, nomads, and students get nothing. Quality private care is concentrated in Casablanca and Rabat.
Moroccan pharmacies & medication
Cities are densely covered (Casablanca has over 1,500 pharmacies) with a rotation for nights and Sundays, and some 24/7 options in Casablanca and Rabat. Prices are nationally regulated. Arabic and French are universal, and English is rare, so it helps to know the generic (molecule) name of your medication.
Emergency services in Morocco
Dial 15 for the public ambulance (SAMU), or 141 for a doctor-staffed ambulance. French is the most common; English is limited even in the big cities. Public response runs 15–30 minutes in cities but 45 minutes to two hours in rural areas.
What expats need health insurance?
Retirees
Over-55s with a steady income can get a residence permit, which requires proof of insurance. Plus, the public scheme won't enroll foreign retirees.
Families
The public scheme covers maternity in public hospitals, but private clinics charge around MAD 16,000 (€1,496) for a birth and MAD 24,000 (€2,244) for a C-section.
Gap year & job seekers
Before your employer registers you, you have no public cover (even then, the card itself takes 6–12 weeks to issue). A temporary bridge cover is essential.
Visa applicants
Every residence permit (work, family, retiree, investor, student) requires proof of health insurance covering hospital care, evacuation, and repatriation, translated into French or Arabic.
Get global health insurance that works in Morocco
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How much is health insurance in Morocco?
Without cover, a private GP visit runs about MAD 300 (€28), a specialist around MAD 450 (€42), and a private hospital day about MAD 2,750 (€257) at hospitals like Cheikh Khalifa or Akdital.
Public healthcare in Morocco
The public scheme takes about 2.26% of your salary (your employer adds more), but only once you're on a Moroccan contract. It then reimburses 70% of the official tariff for outpatient care and up to 90% for serious illness. The catch: private clinics charge three to five times that tariff, so a lot still falls on you.
Private medical insurance
Our international plans start at €56/month for Essential and €84/month for Plus, with coverage for outpatient, dental, mental health, maternity, and medical evacuation.
Visa & health insurance requirements for Morocco
Every residence permit (Carte de Séjour), whether for work, family, retiree, investor, or student, requires proof of health insurance covering hospital care, evacuation, and repatriation, sworn-translated into French or Arabic.
Accepted for all major Moroccan visas
Both Feather plans meet what the prefectures look for — for the work, family, retiree, investor, and student residence permits.
Documents ready when you sign up
All your documents (proof of coverage, English & Arabic certificates) are available in your account. Accepted by Moroccan prefectures.
How does Feather's international health insurance work?
Choose your plan
Compare Essential and Plus, pick your deductible, and sign up in under 5 minutes. No paperwork, no medical exams.
Get your documents instantly
Your confirmation and visa-ready proof-of-coverage documents land in your account straight away.
Visit any doctor
See any licensed doctor, specialist, or hospital in Morocco. No referrals, no network restrictions, no pre-approval.
Upload your bill in the app
Already paid? Open the Feather app, snap a photo of your invoice, and submit your claim in under a minute.
Get reimbursed to your account
We review your claim and reimburse you directly to your bank account. Most claims are processed within two weeks.
Cancel anytime after year one
There's a one-year minimum term. After that, cancel whenever you want. No penalties.
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Why choose Feather?
200,000+ happy customers
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100,000+ claims processed
Paid out in three weeks on average.
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On over 2,500 reviews.
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Sign up, file claims, and manage your policy in our app.
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