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Morocco – Health Insurance

Morocco is a popular destination for tourists and expats alike due to its rich culture, beautiful landscapes, and warm climate. However, it is important to consider health insurance options when living or traveling in Morocco. This article will answer the following questions regarding health insurance in Morocco:

  • Is health insurance mandatory in Morocco?
  • How does the state health insurance system work in Morocco? What does it cover?
  • How do you apply to join the state health insurance system in Morocco (provide answer in numbered steps)?
  • What are the advantages of international private medical insurance for expats living in Morocco?

Health Insurance Requirements in Morocco

Health insurance is not mandatory for tourists visiting Morocco, but it is highly recommended. For expats, health insurance is not legally required but it is strongly advised to obtain coverage.

State Health Insurance System in Morocco

Morocco’s state health insurance system is called the National Social Security Fund (CNSS). It is a mandatory insurance program for employees in Morocco, with the exception of domestic workers, agricultural workers, and the self-employed.

The CNSS covers the following medical services:

  • Consultations with general practitioners and specialists
  • Medical exams and tests
  • Hospitalization
  • Surgery
  • Emergency care
  • Maternity care

However, the CNSS does not cover certain medical services such as dental care, eyeglasses, hearing aids, and cosmetic surgery.

Applying for State Health Insurance System in Morocco

If you are an employee in Morocco, you will automatically be enrolled in the CNSS by your employer. However, if you are self-employed, you can voluntarily enroll in the CNSS by following these steps:


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  1. Obtain a registration form from a CNSS office or download it from the CNSS website.
  2. Fill out the registration form completely and accurately.
  3. Attach the necessary documents, such as a copy of your ID card and a certificate of activity for the last six months.
  4. Submit the registration form and documents to the nearest CNSS office.

Once you are registered, you will receive a CNSS card that you can use to access medical services covered by the CNSS.

Advantages of Private Medical Insurance in Morocco

While the CNSS provides coverage for medical services, there are certain advantages to obtaining international private medical insurance for expats living in Morocco. These advantages include:

  1. Greater flexibility in choosing healthcare providers and hospitals. With private medical insurance, expats can choose to see any healthcare provider or hospital they prefer, whereas the CNSS limits the choice of providers.

  2. Broader coverage. International private medical insurance plans typically cover a wider range of medical services and treatments, including dental and vision care.

  3. Faster access to care. Private medical insurance can often provide faster access to medical care than the CNSS, which may have longer wait times for certain medical services.

  4. English-speaking healthcare providers. With private medical insurance, expats can choose healthcare providers who speak their language, which can be especially helpful for expats who do not speak French or Arabic.

In conclusion, health insurance is not mandatory for tourists visiting Morocco but is highly recommended, while for expats, it is not legally required but it is strongly advised to obtain coverage. The state health insurance system in Morocco is called the National Social Security Fund (CNSS), which provides coverage for medical services to employees in Morocco. However, international private medical insurance can offer expats greater flexibility, broader coverage, faster access to care, and access to English-speaking healthcare providers. It is important to carefully consider all options when choosing a health insurance plan in Morocco.


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