Pay 
Language 
Currency 
No results found
Best expat health insurance for Morocco
Staying in Marrakech, Chefchaouen or another Moroccan city? Here’s what you need to know to choose the best health insurance for expats in Morocco.
Planning to settle in Morocco? It’s a land of contrasts, where culture, colours and landscapes create a unique experience. However, you must prepare some practical aspects to ensure a safe and comfortable stay. One of these is health insurance for Morocco.
Thinking about what you’d do if you fall ill is essential when moving abroad, especially in countries where healthcare access might be tricky for foreigners. In this article, we’ll review the different health insurance options for temporary residents and long-stay visitors in Morocco. We’ll also help you find the plan that best matches your needs. Enjoy cities like Marrakech or Chefchaouen with peace of mind!
Which foreigners need health insurance in Morocco?
To understand who needs health insurance in Morocco, first know how the country’s healthcare system works and foreigners’ access to it. Morocco has a mixed system, with both public and private healthcare sectors. The public system, with hospitals and clinics across the country, focuses on locals and is state-funded. However, it faces serious challenges, including staff and resource shortages, especially in rural areas.
Access to the public system is very limited for foreigners. Without permanent residency or a job in Morocco, you can’t use the Medical Assistance Scheme (RAMED) or the Mandatory Health Insurance (AMO). These are the main coverage programmes in the country. So, private health insurance isn’t just recommended, it’s essential to avoid unexpected healthcare expenses.
Some of the most common profiles needing health insurance in Morocco are:
- Digital nomads: remote professionals moving to Morocco for extended stays.
- International students: public healthcare doesn’t cover foreign students in Morocco. Many universities require medical insurance including both basic care and hospitalisation. Some academic programmes partner with insurers, but coverage may not meet all needs.
- Expatriate workers: some expats employed by local firms receive health coverage from employers, but this isn’t always guaranteed.
- Retired residents: they need Moroccan health insurance covering general care, emergencies, and chronic condition treatments.
What types of health insurance work for foreigners in Morocco?
Foreigners in Morocco can choose between several types of health insurance, each adapted to different needs and stays. From full coverage for expats to policies designed for students or digital nomads, there are many options giving peace of mind while living in the country. Below are the main types of health insurance available for foreigners in Morocco:
- International health insurance: Designed for expats and long-stay visitors. It covers general consultations, hospitalisation, major emergencies, and more. They’re quite comprehensive. Besides care in Morocco, many international policies provide access to networks in other countries, ideal for frequent travellers. You can also add extras like dental, mental health, and medical repatriation.
- Local health insurance: some Moroccan companies offer plans for foreigners giving access to private hospitals and clinics. They’re often cheaper than international ones, but check their limits carefully. They may exclude care abroad or specialised treatments. This option suits those not needing international coverage and seeking lower costs.
- Health insurance for international students: Foreign students in Morocco can access specific plans covering basic care and emergencies. As mentioned earlier, some universities arrange deals with insurers, helping students secure basic coverage more easily.
- Travel insurance with medical cover: Travel insurance for Morocco is perfect for digital nomads or tourists. It includes basic medical and hospital care, consultations, hospitalisation, and medicines. It’s best for short or medium stays.
- Retirement health insurance: Aimed at older people who need more comprehensive medical care. It covers preventive services, medical check-ups, and chronic illness treatments. Each insurance type adapts to specific needs and length of stay.
Choosing the right plan ensures access to quality care without facing high unexpected costs.
How much does healthcare cost in Morocco?
Although Morocco isn’t among the most expensive countries, private clinics and hospitals can charge high medical fees. This is especially true for foreigners without access to the public system. To give you an idea, here are some approximate private healthcare costs:
| Health Service | Approximate price in the private system |
|---|---|
| General medical consultation | $30–50 (€28–46) |
| Consultation with a specialist | $50–100 (€46–92) |
| Emergency care (without hospitalisation) | $150–300 (€138–276) |
| Inpatient day (includes basic tests and treatments) | $300–500 (€276–460) |
| Diagnostic tests (X-rays, MRI, etc.) | $40–300 (€37–276) |
| Minor surgery (e.g. cyst removal) | $600–1,500 (€552–1,380) |
| Major surgery (e.g. appendectomy) | $2,000–5,000 (€1,840–4,600) |
| Dental treatment (cleaning and filling) | $40–150 (€37–138) |
| Psychological therapy (per session) | $30–80 (€28–74) |
| Physiotherapy session | $20–50 (€18–46) |
| Basic laboratory tests | $20–50 (€18–46) |
| Chronic illness medicines (monthly) | $30–70 (€28–64) |
| Maternity care (normal birth package) | $500–1,500 (€460–1,380) |
| Maternity care (caesarean) | $1,200–3,000 (€1,100–2,760) |
Healthcare costs in Morocco
These prices can vary depending on the private clinic or hospital you choose and the location. Facilities in major cities like Casablanca or Marrakech offer more services and specialities, but usually at higher costs. Having health insurance covering some of these services helps cut medical expenses and ensures better access to quality care.
Important: If you are a frequent traveler and want to stay connected without worrying about expensive roaming or looking for a new SIM at every destination, Holafly’s subscription plans are for you. With a single eSIM, enjoy internet in more than 160 countries for a fixed price and no surprises on your bill. Travel without limits and connect easily and securely! 🚀🌍
The 5 best health insurance options in Morocco for foreigners
With so many choices, how do you select the right health insurance for your stay in Morocco? This decision can feel tough, especially if you’re unfamiliar with Morocco’s healthcare system and the usual coverage. To help you decide, we’ll break down what the five best health insurance plans in Morocco provide. We’ve chosen these five for their coverage, flexibility and the quality of the services they offer.
APRIL International
APRIL International is a French insurer with over 30 years of experience in expat health coverage. It’s known for its global policies and strong presence in Morocco. Its flexibility makes it a favourite among foreigners. Their mobile app simplifies claims and queries anywhere, perfect for expats seeking convenience and fast medical processes.
APRIL International offers the “MyHealth International” plan in Morocco. You can choose between five policies: Emergency, Basic, Essential, Comfort, and Premium. Coverage depends on the plan selected.
Coverage and services
With APRIL International, coverage in Morocco depends on the chosen “MyHealth International” plan. Policies —Emergency, Basic, Essential, Comfort, and Premium— offer different protection levels, from basic emergency care to full coverage with premium comfort.
- Hospitalisation and surgery: the Emergency plan only covers urgent hospitalisation. The Premium plan includes full private hospital services and scheduled surgery.
- General and specialist consultations: the Basic plan covers GP visits and some limited specialists. Comfort and above include unlimited specialist consultations.
- Dental and eye care: in Essential, basic dental cover is an optional extra. Premium includes extended dental and vision coverage.
- Diagnostic and lab tests: included from Basic onwards. Comfort and Premium cover advanced scans like MRIs and CTs.
- Medical repatriation: all plans include it. Comfort and Premium offer wider coverage, ensuring safe return home in severe emergencies.
- 24/7 emergency assistance: available on all plans, with multilingual support for insured foreigners in Morocco.
Plans and prices
APRIL International policy prices vary with coverage, paid in Moroccan dirhams (MAD) and approximate US dollars ($) and EUR (€) per month.
- Emergency: from $50 (€46) per month. Includes basic emergency cover and hospitalisation for accidents or urgent care.
- Basic: from $80 (€74) per month. Adds GP consultations and limited specialists.
- Essential: from 1$100 (€92) per month. Covers consultations, hospitalisation, basic diagnostics, plus optional dental care.
- Comfort: from $140 (€128) per month. Includes full hospitalisation, advanced tests, and unlimited specialist consultations.
- Premium: from $200 (€184) per month. The most complete option, with full hospitalisation, dental, and routine eye care.
| Pros | Limitations |
|---|---|
Flexible coverage tailored to individual needs | Waiting periods for some pre-existing conditions |
Wide network of doctors and specialists in Morocco, with fast reimbursement via app | Comprehensive plans can be costlier than local options |
Multilingual assistance available |
Pros and cons of April International
Allianz Care
Allianz Care is a key division of Allianz SE. It provides high-quality international health insurance for expats and frequent travellers. With over 125 years of expertise, it enjoys a solid reputation, ranked number one by Interbrand for five consecutive years. The company operates globally with a medical network of over 1.9 million providers, ensuring reliable healthcare in Morocco and worldwide. Its mobile app lets users manage reimbursements and access telemedicine.
Allianz Care plans are flexible and provide different coverage levels, from basic care to premium options. These include extras such as medical evacuations, oncology, and personalised wellness services. The main plans are Care, Care Plus, and Care Pro, designed to fit both medical needs and budget.
Coverage and services
Care Plan: includes shared hospital room, oncology, diagnostic tests, and basic outpatient care. No dental or maternity cover.
Care Plus Plan: adds private room, extended rehab, maternity options, and basic dental.
Care Pro Plan: full cover with private room, higher outpatient limits, and complete maternity and wellness care.
All plans include:
- 24/7 emergency assistance
- Medical evacuation cover
- Digital reimbursement management and multilingual support
Plans and prices
Exact Allianz prices vary by factors such as age and residence. Here are approximate monthly starting costs:
- Care Plan: from $50 (€46). Covers shared hospitalisation and basic care.
- Care Plus Plan: from $150 (€138). Includes private room, maternity options, and basic dental.
- Care Pro Plan: from $220 (€202). Full cover with advanced dental and wellness programmes.
| Pros | Limitations |
|---|---|
| Global healthcare coverage with access to quality providers | Higher costs than local Moroccan insurance |
| Flexible policy customisation | Waiting periods for some services |
| Digital tools simplify insurance management | Restrictions on pre-existing conditions depending on plan |
Pros and cons of Allianz Care health insurance in Morocco
Cigna Global
Cigna is a global insurer specialising in international health coverage. With over 60 years of experience, it has become a leading choice for expats, digital nomads, and frequent travellers. It stands out for offering international medical cover in over 200 countries, with plans tailored to each client, from basic insurance to comprehensive options.
Alongside its worldwide network of doctors and hospitals, Cigna provides 24/7 customer service every day of the week. Its online platform and mobile app allow policyholders to manage contracts, submit claims, and book online consultations straight from their phone.
Plans and prices
Cigna’s plans offer complete medical coverage worldwide. Prices vary depending on the chosen coverage and country of residence.
- Silver: from 1$95 (€88) per month. Covers emergencies, basic hospitalisation, GP consultations, and online medical visits.
- Gold: from $140 (€128) per month. Includes Silver benefits plus specialists, surgery, and some diagnostics.
- Platinum: from $190 (€174) per month. Offers full cover for hospitalisation, scheduled surgery, routine dental and eye care, and chronic illness treatments.
- Global Health: from $280 (€258) per month. The most complete plan, covering mental health, repatriation, and specialised treatments worldwide.
Coverage and services
Cigna’s plans adapt to expats’ needs in Morocco. Depending on the plan, clients get access to:
- Hospitalisation and surgery: Basic plans cover urgent or accidental admissions. Platinum and Global Health include full hospitalisation and scheduled surgeries.
- Medical consultations: From Gold onwards, unlimited specialist consultations are included.
- Silver only covers GPs. Dental and eye care: Available only on Platinum and Global Health.
- Diagnostic tests: Covered from Gold, with advanced tests included on Platinum and Global Health.
- Medical repatriation: Included in all plans, with broader cover on higher tiers.
- 24/7 emergency support: All plans offer multilingual assistance around the clock.
| Pros | Limitations |
|---|---|
| Global network of doctors and hospitals, plus online consultations | Chronic illness treatments only available on higher plans |
| Flexible coverage levels depending on needs | Some specialised care is limited depending on plan |
| 24/7 multilingual customer support |
Pros and cons of Cigna Global health insurance in Morocco
MSH International
MSH International is a global insurer specialising in international health cover for expats. With over 45 years of experience, it delivers reliable worldwide healthcare, including Morocco, for those seeking high-quality medical care abroad.
The First’Expat+ plan is tailored for expats’ needs. It offers multiple coverage levels and lets you personalise your policy.
Coverage and services
The First’Expat+ plan includes essential medical benefits, with optional extras to fit expats’ lifestyles more closely:
- Hospitalisation and medical evacuation: Covers both emergency and scheduled admissions, plus evacuation to the nearest medical facility, regardless of coverage level.
- Medical assistance and repatriation (optional): In serious illness or accident, covers repatriation home, even during extreme events like disasters or attacks.
- Routine medical care (optional): Covers GP and specialist visits, medicines, physiotherapy, and lab tests for necessary non-urgent care.
- Civil liability and legal assistance (optional): Covers damages caused to third parties and related legal costs.
- Dental and optical care (optional): Reimburses preventive or corrective treatments.
Plans and prices
Monthly rates for First’Expat+ vary by coverage level, age, residence, and extras. Prices start at just $25 (€23) per month.
| Pros | Limitations |
|---|---|
| Flexible coverage selection | Lower-tier plans exclude routine care and extras |
| International medical network with access to quality care in Morocco | Prices vary significantly by coverage level |
| Reimbursement possible from the first euro/dollar spent |
Pros and cons of MSH International health insurance in Morocco
AXA International health insurance for Morocco
AXA is a global insurer with a strong presence in Morocco. It offers healthcare solutions tailored to the needs of expats and international travellers. Founded in 1817 in France, it has grown worldwide, offering quality medical care and access to a broad healthcare network. Its plans include full medical cover, emergency services, and flexible options, making them ideal for expats and international travellers in Morocco.
For foreigners in Morocco, AXA offers the “International Health Plan”, designed to provide full medical coverage during their stay.
Coverage and services
The AXA “International Health Plan” includes:
- Hospitalisation and surgery: Covers emergency and scheduled admissions, including room costs, doctors’ fees, and treatments.
- Outpatient care: GP and specialist visits, prescriptions, physiotherapy, and diagnostics.
- Dental and optical care: Optional in some plans, from basic treatments to complex procedures.
- Medical evacuation and repatriation: Covers transport and repatriation when needed in emergencies.
- Maternity care: Covers pregnancy, childbirth, and postnatal care.
Policyholders can select different coverage levels and add extras, ensuring full protection during their time in Morocco.
Plans and prices
The AXA “International Health Plan” offers five options: Foundation, Standard, Comprehensive, Prestige, and Prestige Plus. Prices vary depending on factors like age and residence.
| Pros | Limitations |
|---|---|
| Global coverage, ideal for frequently travelling expats | Some treatments may need prior authorisation |
| Flexibility to customise coverage. | Waiting periods for certain services, like maternity or pre-existing conditions |
| Access to a large medical provider network in Morocco and abroad |
Pros and cons of AXA International health insurance for Morocco
Which is the best health insurance for foreigners in Morocco?
Still unsure which to choose? There’s no universal answer, as it depends on your needs, situation, and budget. However, one provider stands out among health insurance options for foreigners in Morocco: APRIL International. Based on expat feedback and comparing coverage with other insurers, it’s an excellent choice thanks to its reliable cover, flexibility, and service quality.
APRIL International stands out for its long experience with expat health insurance and its strong reputation for emergency coverage. Its “MyHealth International” plan is ideal for those seeking comprehensive cover, from GP consultations and hospitalisation to medical repatriation. The mobile app for easy management and the option to add extras like dental and mental health cover are two further advantages. This is especially important in Morocco, where public healthcare isn’t easily available to foreigners.
Another strong point is APRIL’s 24/7 multilingual support, which ensures fast assistance in your language whenever needed. While APRIL’s plans may cost more than some alternatives, the quality and scope of coverage make it a solid investment.
Need more info for your move to Morocco? Don’t miss our guides on things to see in Morocco or what to pack for Marrakech and other Moroccan cities.
