Health Insurance · Morocco

Complementary Health Insurance
Hospitalisation · Dental · Optical

Complement your AMO base cover and reimburse up to 100% of medical expenses. We compare 8 licensed insurers to find the best cover for your family.

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Hospitalisation

Coverage of clinic costs, surgical procedures, medical equipment after AMO reimbursement. Up to 100% depending on formula.

Dental

Fillings, crowns, implants, orthodontics. Reimbursement rates vary by formula from 60% to 100%.

Optical

Frames and lenses up to 1,800 MAD/year in standard formulas; up to 3,000 MAD in premium plans.

Consultations & Medication

Reimbursement of specialist consultations and medications not covered by AMO.

Maternity

Maternity cover including delivery and post-natal care. Waiting period typically 9–12 months.

Alternative Medicine

Osteopathy, acupuncture, therapeutic massage — available in Confort and Premium formulas.

Health Insurance FAQ

What is AMO and why do I need complementary cover?

AMO (Assurance Maladie Obligatoire) is the compulsory base health insurance for employees (CNSS) and civil servants (CNOPS). It covers a portion of medical costs. Complementary cover reimburses the remaining co-payment and covers extras like dental and optical not included in AMO.

Can a self-employed person get complementary health cover?

Yes. Since 2021, freelancers, traders and craftspeople can enrol in AMO via CNSS. After enrolment, complementary cover becomes available to top up their coverage.

What waiting periods should I expect?

Typically: 3 months for dental and optical, 6 months for chronic illness, 9–12 months for maternity and planned surgery. Some contracts offer immediate cover with no waiting period.

How do I choose the right formula?

It depends on your actual needs (dental, optical, upcoming births), your budget and family size. Contact Insurema — we compare 8 insurers and recommend the formula that matches your profile.