2026 comparison

Compare health insurance
in Morocco

Compare CNOPS, CNSS / AMO, RAMED, Saham, AXA, Wafa and other popular plans using real reimbursement rates and average monthly premiums in MAD. Calculate your out-of-pocket cost, take the four-question quiz and choose confidently.

Reimbursement calculator Personalized quiz Full comparison Questions and answers

8plans compared

12regions of Morocco

100%transparent calculation

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Reimbursement calculator

How much will your supplementary health plan

Enter your estimated annual spending to compare reimbursements, out-of-pocket costs, and monthly premiums across eight supplementary health plans available in Morocco.

Annual health spending (per adult)

12 000 MAD

National average: about 9,200 MAD per person per year. Increase to 18,000 MAD if you have a chronic condition.

Household type

SingleCoupleFamily

Split by category

Consultations3 456 MAD
Medications6 144 MAD
Hospitalization3 840 MAD
Glasses1 152 MAD
Dental3 840 MAD
ALD768 MAD

Annual total19 200 MAD

Estimated annual coverage

RAMED

For low-income households

Reimbursed by plan

16 704 MAD

Out-of-pocket

2 496 MAD

Monthly premium

Free (employee)

02
CNOPSCivil servants
14 669 MAD
03
CNSS / AMOPrivate sector
13 824 MAD
04
AMO de baseAMO base coverage
13 824 MAD
05
Mutuelle RAMAMutual insurance
16 090 MAD
06
Saham SantéSaham Assurance
16 704 MAD
07
Wafa AssuranceWafa Assurance
16 819 MAD
08
AXA Assurance MarocAXA Insurance
17 933 MAD

Ideal supplementary health plan quiz

Find the ideal supplementary health plan in 4 questions

No data is sent. The recommendation is computed locally in your browser.

Question 1 / 4

What is your household composition?

This strongly influences premiums and coverage limits.

Detailed comparison

Reimbursement rates by category

Sources: 2025 ANAM schedules, CNOPS / CNSS / AMO agreements and public private-insurer schedules. Updated quarterly by the Jivox team.

Plan	Consultations	Medication	Hospitalization	Glasses	Dental	ALD	Premium
CNOPS	80 %	70 %	90 %	60 %	70 %	100 %	Included
CNSS / AMO	70 %	70 %	80 %	50 %	70 %	100 %	Included
AMO de base	70 %	70 %	80 %	50 %	70 %	100 %	Included
RAMED	100 %	100 %	100 %	50 %	50 %	100 %	Included
Mutuelle RAMA	85 %	80 %	90 %	65 %	85 %	100 %	280 MAD/month
Saham Santé	90 %	80 %	95 %	70 %	90 %	100 %	380 MAD/month
AXA Assurance Maroc	100 %	85 %	100 %	70 %	100 %	100 %	520 MAD/month
Wafa Assurance	95 %	80 %	95 %	65 %	90 %	100 %	410 MAD/month

Rates are averages. Always confirm annual limits, provider networks and waiting periods with your insurer.

Use cases

Three profiles, three choices

Single employee

You use little care and have no children, but want protection from unexpected costs.

RecommendationCNSS / AMO + employer plan

AMO covers 70% of consultations. An employer plan can add 20% to 30% for about 250 MAD per month.

Family with two children

Pediatrics, dentistry and pharmacy costs take annual spending above 25,000 MAD.

RecommendationWafa family coverage

Wafa offers family coverage at 95% for consultations and 90% for dental care, with four dependents for about 400 MAD per month.

Retiree with an ALD

Hypertension, diabetes and frequent cardiology follow-up.

RecommendationCNOPS + AXA Premium

CNOPS reimburses the ALD at 100%. AXA Premium adds private-clinic comfort and a private room.

Frequently asked questions

Answers about Moroccan health insurance

What is the difference between AMO and CNOPS?

AMO is Morocco's compulsory health insurance. CNOPS administers it for civil servants and the public sector, while CNSS administers it for private-sector employees.

Do I need supplemental insurance in addition to AMO?

Basic AMO generally covers 70% to 80% of costs. Supplemental coverage reduces the remainder, especially for hospitalization, dental care and glasses.

Does RAMED cover dental care and glasses?

RAMED covers care in public hospitals and participating centers. Dental and optical coverage depends on the facility and annual limits.

How much does private health insurance cost per month in Morocco?

Premiums range from about 250 MAD per month for basic employer coverage to more than 800 MAD for premium coverage.

Can I combine more than one plan?

Yes. You can combine basic AMO with supplemental coverage, but total reimbursement cannot exceed actual costs.

How is a Jivox teleconsultation reimbursed?

AMO reimburses teleconsultations using the same reference rate as in-person consultations. Jivox automatically sends the claim form.

Are all medications reimbursed?

Only medications on ANAM's reimbursable-products list are covered, based on the reference price.

What can I do if reimbursement is denied?

You may appeal to ANAM within 60 days with the decision, prescription and invoice.

Free sign-up

Get the Moroccan health insurance PDF guide

40 pages updated for 2026 — ANAM schedules, CNSS/CNOPS agreements, AXA/Saham/Wafa rate tables and glossary. CNDP compliant.

Free signup

Find a participating doctor in seconds

Every Jivox doctor lists accepted coverage. Filter by CNOPS, CNSS, AMO or RAMED in two clicks.

Create a free account Find a doctor

2026 comparison

Compare health insurance
in Morocco

Reimbursement calculator Personalized quiz Full comparison Questions and answers

8plans compared

12regions of Morocco

100%transparent calculation

0data sent outside

Reimbursement calculator

How much will your supplementary health plan

Enter your estimated annual spending to compare reimbursements, out-of-pocket costs, and monthly premiums across eight supplementary health plans available in Morocco.

Annual health spending (per adult)

12 000 MAD

National average: about 9,200 MAD per person per year. Increase to 18,000 MAD if you have a chronic condition.

Household type

SingleCoupleFamily

Split by category

Consultations3 456 MAD
Medications6 144 MAD
Hospitalization3 840 MAD
Glasses1 152 MAD
Dental3 840 MAD
ALD768 MAD

Annual total19 200 MAD

Estimated annual coverage

RAMED

For low-income households

Reimbursed by plan

16 704 MAD

Out-of-pocket

2 496 MAD

Monthly premium

Free (employee)

02
CNOPSCivil servants
14 669 MAD
03
CNSS / AMOPrivate sector
13 824 MAD
04
AMO de baseAMO base coverage
13 824 MAD
05
Mutuelle RAMAMutual insurance
16 090 MAD
06
Saham SantéSaham Assurance
16 704 MAD
07
Wafa AssuranceWafa Assurance
16 819 MAD
08
AXA Assurance MarocAXA Insurance
17 933 MAD

Ideal supplementary health plan quiz

Find the ideal supplementary health plan in 4 questions

No data is sent. The recommendation is computed locally in your browser.

Question 1 / 4

What is your household composition?

This strongly influences premiums and coverage limits.

Detailed comparison

Reimbursement rates by category

Sources: 2025 ANAM schedules, CNOPS / CNSS / AMO agreements and public private-insurer schedules. Updated quarterly by the Jivox team.

Plan	Consultations	Medication	Hospitalization	Glasses	Dental	ALD	Premium
CNOPS	80 %	70 %	90 %	60 %	70 %	100 %	Included
CNSS / AMO	70 %	70 %	80 %	50 %	70 %	100 %	Included
AMO de base	70 %	70 %	80 %	50 %	70 %	100 %	Included
RAMED	100 %	100 %	100 %	50 %	50 %	100 %	Included
Mutuelle RAMA	85 %	80 %	90 %	65 %	85 %	100 %	280 MAD/month
Saham Santé	90 %	80 %	95 %	70 %	90 %	100 %	380 MAD/month
AXA Assurance Maroc	100 %	85 %	100 %	70 %	100 %	100 %	520 MAD/month
Wafa Assurance	95 %	80 %	95 %	65 %	90 %	100 %	410 MAD/month

Rates are averages. Always confirm annual limits, provider networks and waiting periods with your insurer.

Use cases

Three profiles, three choices

Single employee

You use little care and have no children, but want protection from unexpected costs.

RecommendationCNSS / AMO + employer plan

AMO covers 70% of consultations. An employer plan can add 20% to 30% for about 250 MAD per month.

Family with two children

Pediatrics, dentistry and pharmacy costs take annual spending above 25,000 MAD.

RecommendationWafa family coverage

Wafa offers family coverage at 95% for consultations and 90% for dental care, with four dependents for about 400 MAD per month.

Retiree with an ALD

Hypertension, diabetes and frequent cardiology follow-up.

RecommendationCNOPS + AXA Premium

CNOPS reimburses the ALD at 100%. AXA Premium adds private-clinic comfort and a private room.

Frequently asked questions

Answers about Moroccan health insurance

What is the difference between AMO and CNOPS?

AMO is Morocco's compulsory health insurance. CNOPS administers it for civil servants and the public sector, while CNSS administers it for private-sector employees.

Do I need supplemental insurance in addition to AMO?

Basic AMO generally covers 70% to 80% of costs. Supplemental coverage reduces the remainder, especially for hospitalization, dental care and glasses.

Does RAMED cover dental care and glasses?

RAMED covers care in public hospitals and participating centers. Dental and optical coverage depends on the facility and annual limits.

How much does private health insurance cost per month in Morocco?

Premiums range from about 250 MAD per month for basic employer coverage to more than 800 MAD for premium coverage.

Can I combine more than one plan?

Yes. You can combine basic AMO with supplemental coverage, but total reimbursement cannot exceed actual costs.

How is a Jivox teleconsultation reimbursed?

AMO reimburses teleconsultations using the same reference rate as in-person consultations. Jivox automatically sends the claim form.

Are all medications reimbursed?

Only medications on ANAM's reimbursable-products list are covered, based on the reference price.

What can I do if reimbursement is denied?

You may appeal to ANAM within 60 days with the decision, prescription and invoice.

Free sign-up

Get the Moroccan health insurance PDF guide

40 pages updated for 2026 — ANAM schedules, CNSS/CNOPS agreements, AXA/Saham/Wafa rate tables and glossary. CNDP compliant.

Free signup

Find a participating doctor in seconds

Every Jivox doctor lists accepted coverage. Filter by CNOPS, CNSS, AMO or RAMED in two clicks.

Create a free account Find a doctor

Compare health insurancein Morocco

How much will your supplementary health plan

Split by category

RAMED

Find the ideal supplementary health plan in 4 questions

What is your household composition?

Reimbursement rates by category

Three profiles, three choices

Single employee

Family with two children

Retiree with an ALD

Answers about Moroccan health insurance

Get the Moroccan health insurance PDF guide

Find a participating doctor in seconds

Compare health insurancein Morocco

How much will your supplementary health plan

Split by category

RAMED

Find the ideal supplementary health plan in 4 questions

What is your household composition?

Reimbursement rates by category

Three profiles, three choices

Single employee

Family with two children

Retiree with an ALD

Answers about Moroccan health insurance

Get the Moroccan health insurance PDF guide

Find a participating doctor in seconds

Compare health insurance
in Morocco

Compare health insurance
in Morocco