How to Navigate the Health System in Morocco

Gain insight into the health care system in Morocco. Explore its accessibility and limitations for expatriates, remote workers, retirees, and others who choose to live in Morocco.
How to Navigate the Health System in Morocco

Morocco’s healthcare system is composed of both public and private healthcare options. The public healthcare system is funded by the government and is available to all citizens and legal residents. The public healthcare system is known as the National Health Insurance Fund (CNAM). Foreigners (expats and digital nomads) are allowed to use the public healthcare system in Morocco, however, it is not widely used by foreigners. Public hospitals are generally recommended for serious medical emergencies and major surgery, however, the quality of care may vary.

Morocco’s Public Healthcare System

The public healthcare system in Morocco is funded by the government and is available to all citizens and legal residents. The public healthcare system is known as the National Health Insurance Fund (CNAM). It provides access to basic medical care, including preventive care, hospitalization, and emergency services. The cost of public healthcare is relatively low, with most services costing less than 10 dirhams (about $1 USD).

Morocco’s Private Healthcare System

Morocco also has a private healthcare system, which is used primarily by expats and digital nomads. Private hospitals are generally recommended for serious medical emergencies and major surgery, as they tend to have better facilities and higher quality of care. The cost of private healthcare is significantly higher than public healthcare, with most services costing between 100 and 500 dirhams (about $10 to $50 USD).

Morocco’s Top Hospitals

Morocco has a number of well-known hospitals, both public and private. Some of the most well-known hospitals include:

  • Hassan II University Hospital (public) in Casablanca
  • University Hospital of Rabat (public) in Rabat
  • Clinique Pasteur (private) in Casablanca
  • Clinique du Parc (private) in Rabat
  • Clinique Ibn Rochd (private) in Casablanca, which specializes in cardiology and neurology

Health Insurance Companies in Morocco

The most popular private health insurers in Morocco are Assurance Marocaine de l’Hospitalisation (AMH), Assurance Maladie Obligatoire (AMO), and Assurance Maladie Compl√©mentaire (AMC). Expats and digital nomads typically use these companies, as well as specialized expat health insurance providers.

Insider Tips from Expats in Morocco: How to Navigate the Health System

“I’ve lived in Morocco for a while, and I can tell you that it’s definitely possible to live on $3,000 a month, but you’ll have to make some adjustments to your lifestyle. In more expensive cities like Casablanca and Marrakech, you might have to sacrifice some modern amenities and live in a smaller apartment or a less central neighborhood to make your budget work. However, in more affordable cities like Rabat and Fes, you can find a comfortable apartment with modern amenities for a lower price, which will allow you to maintain a similar lifestyle to what you’re used to. In terms of other expenses, you’ll find that groceries and eating out are generally cheaper in Morocco than in many Western countries, so you can save money there. However, imported goods and electronics can be more expensive, so you might have to cut back on those purchases. Additionally, you’ll need to rely on public transportation or taxis, as owning a car can be quite expensive due to high import taxes and fuel prices. Overall, living on $3,000 a month in Morocco is doable, but you’ll need to be mindful of your spending and be willing to make some sacrifices in terms of your living situation and certain purchases,” said one expat living in Morocco.

“Morocco has a well-developed healthcare system, with both public and private hospitals and clinics providing a range of medical services. The public healthcare system is free for all citizens, while private healthcare is available for those who can afford it. The country has a number of highly-trained doctors and specialists, and the quality of care is generally good. In addition, Morocco has a number of specialized medical centers, such as the National Institute of Oncology, which provide specialized care for cancer patients,” commented one member living in Morocco.

Joshua WoodJoshua Wood, LPC joined Expat Exchange in 2000 and serves as one of its Co-Presidents. He is also one of the Founders of Digital Nomad Exchange. Prior to Expat Exchange, Joshua worked for NBC Cable (MSNBC and CNBC Primetime). Joshua has a BA from Syracuse and a Master's in Clinical and Counseling Psychology from Fairleigh Dickinson University. Mr. Wood is also a licensed counselor and psychotherapist.

Some of Joshua's articles include Pros and Cons of Living in Portugal, 10 Best Places to Live in Ireland and Pros and Cons of Living in Uruguay. Connect with Joshua on LinkedIn.

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