Expat insurance and health insurance in Morocco

Since 2021, Morocco has pursued the generalisation of medical cover, with the gradual merger of the CNSS (private, self-employed) and former CNOPS (public) schemes, and the integration, in December 2022, of former RAMED beneficiaries into the new AMO Tadamon scheme. AMO covers around 88% of the population in 2026, with cover of 70 to 90% depending on the procedure. For a foreign resident, access strictly depends on status: an employee in a local job is registered automatically; a retiree or a person with no activity has, in principle, no automatic access and depends on the France-Morocco agreement or private cover. The vast majority of French residents with no local job rely on the private sector.

• Short stay (under 90 days): no visa, no legally required insurance, but France Diplomatie strongly recommends assistance cover for medical costs, hospitalisation and repatriation.
• Settling for over 90 days: a registration card must be applied for within 90 days. Health insurance is explicitly required for a stay linked to long-term medical treatment; for other reasons, a recent medical certificate is generally requested.
• Employee hired locally: mandatory CNSS/AMO registration by the employer.
• Seconded employee (assignment ≤ 3 years, renewable once): stays registered with the French scheme on presentation of certificate SE 350-01.
• Student: access to student AMO conditional on an agreement between the institution and the CNSS — to be checked case by case.
• No cover: no set fine identified, but private clinics frequently require a payment guarantee or deposit before a planned hospitalisation.

The general France-Morocco social security agreement (signed 22 October 2007, in force since 1 June 2011) coordinates sickness-maternity, disability, old age, workplace accidents and family benefits — unemployment insurance is excluded.

Essential point to note: unlike the European EHIC, exceptional cover during a tourist stay only applies to Moroccan nationals (without dual nationality) insured in France under a professional activity or paid unemployment. A French national without Moroccan nationality does not benefit from this mechanism and must take out standard travel insurance.

• Seconded employee: stays on the French scheme with no Moroccan contribution (forms SE 350-01 and SE 350-06).
• Retiree with no rights of their own in Morocco: cover under their French pension via form SE 350-07, contribution of around 3.2% on the base pension.
• The agreement covers neither unemployment, nor automatic access to AMO for a resident with no activity or French pension.

• Seconded employee: request forms SE 350-01 and SE 350-06 from Urssaf or your French fund before departure.
• Retiree settling long-term: request form SE 350-07 from your pension fund.
• Within 90 days of arrival: registration card from the police station, prefecture or royal gendarmerie.
• Local employee: CNSS/AMO registration handled by the employer as soon as the contract is signed.
• Outside cases covered by the agreement: take out private insurance before departure.
• Within 6 months: register with the roll of French nationals living abroad (Casablanca, Rabat, Marrakech).