🏥 Introduction
Morocco offers a healthcare system that’s both affordable and accessible, especially when compared to Europe or North America. But as a foreigner, knowing how it works, what it covers, and what to expect will save you money and stress.
This 2025 guide breaks down the public vs private system, insurance options, and real-life tips for accessing quality care.
🏛️ Public Healthcare System in Morocco
Public healthcare is available to Moroccan citizens and residents, but it can be:
- Overcrowded
- Underfunded
- Slow in service delivery
For expats, you may not be eligible unless you are employed or have a residency card and register with RAMED or AMO (national health coverage systems).
📌 Not recommended for emergencies or surgery.
🏨 Private Healthcare: The Expats’ Choice
Most expats and digital nomads rely on private clinics and hospitals, especially in cities like Casablanca, Rabat, and Marrakech.
| Service | Average Cost (USD) |
|---|---|
| General doctor visit | $15 – $30 |
| Specialist appointment | $25 – $50 |
| Basic blood test | $10 – $20 |
| Dentist consultation | $20 – $40 |
✅ Private care is fast, clean, and professional. Many doctors speak French and some speak English.
🛡️ Health Insurance Options
You have 3 main options:
1. Local Private Insurance
- Available from companies like Saham, Wafa Assurance, and AXA Maroc
- Must be a resident
- Costs: $30 – $100/month depending on age
2. International Insurance (Best for Nomads)
- Providers like SafetyWing, Allianz, or IMG
- Covers you worldwide
- Monthly premium: $45 – $150 depending on coverage
3. Pay As You Go
- Cheapest option short-term
- Just pay out-of-pocket at clinics
- Not recommended for long stays or emergencies
🚑 Emergency & Ambulance Services
- Dial 19 for police, 15 for emergency medical help
- Ambulance response can be slow — in serious cases, take a taxi directly to the clinic
- Most private hospitals have their own ambulances
💡 Always know the nearest private clinic in your neighborhood.
🧠 Pharmacy & Medications
- Pharmacies are everywhere — even in small towns
- Many medications are available without prescription
- Pharmacists often give medical advice directly
🩺 Always keep your own travel meds + insurance card on you.
🧾 Final Advice for Expats
- If staying more than 60 days, get private insurance
- Choose a trusted clinic or hospital and note their hours
- For chronic care or surgery, go private
- In big cities, look for clinics that cater to expats or diplomats
📌 Conclusion
Healthcare in Morocco is reliable, affordable, and improving — especially in the private sector. With the right insurance and basic preparation, expats and digital nomads can feel confident accessing care anywhere in the country.
