Enrolling in the Public Healthcare System in Morocco

If you're planning to enroll in the public healthcare system in Morocco, this article covers the requirements for foreigners to be able enroll in the public healthcare system, the steps involved and more.

Healthcare is a fundamental aspect of life, and for international newcomers in Morocco, understanding the public healthcare system is crucial. The Moroccan public healthcare system, known as Assurance Maladie Obligatoire (AMO), is a state-run program that provides medical coverage to Moroccan citizens and residents. The quality of healthcare in Morocco varies, with urban areas generally having better facilities and services than rural areas. The cost of healthcare is relatively low compared to many Western countries, but it's important to note that it's mandatory for all residents to have some form of health insurance.

While the AMO is widely used by Moroccan citizens, many foreigners and wealthier Moroccans opt for private health insurance due to the perceived higher quality of care. The public healthcare system can be crowded and waiting times can be long, especially for non-emergency procedures. However, the system is continually improving, with the government investing in healthcare infrastructure and training for medical professionals.

Eligibility for Foreigners

Foreigners who are legally residing in Morocco and are employed or self-employed are eligible to enroll in the AMO. This includes those who have a residency permit and are paying social security contributions. However, tourists and temporary visitors are not eligible for the public healthcare system and should ensure they have adequate travel insurance.

Steps to Enroll in the Public Healthcare System

1. Obtain a residency permit: Before you can enroll in the public healthcare system, you need to have a valid residency permit. This can be obtained from the local police station in your area of residence.
2. Register with the National Social Security Fund (CNSS): If you are employed, your employer will typically handle this step. If you are self-employed, you will need to register yourself. This involves submitting a registration form along with supporting documents such as your residency permit and proof of employment or self-employment.
3. Apply for the AMO: Once you are registered with the CNSS, you can apply for the AMO. This involves filling out an application form and submitting it along with your CNSS registration certificate and other required documents.
4. Receive your AMO card: If your application is approved, you will receive an AMO card. This card should be presented whenever you seek medical treatment.

It's important to note that while the AMO covers a wide range of medical services, it does not cover everything. Some treatments and medications may require out-of-pocket payment. Therefore, many foreigners choose to have additional private health insurance to cover any gaps.

Lastly, it's worth mentioning that the healthcare system in Morocco, like any other country, can be complex and navigating it can be challenging, especially for newcomers. Therefore, it's advisable to seek assistance from a local or a professional who is familiar with the system to help you with the enrollment process.

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Expats interested in International Health Insurance should take a minute to get a quote from our trusted expat health insurance partner, CIGNA.
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