Public Healthcare System
Morocco has a public healthcare system (the Régime d'Assurance Maladie Obligatoire — RAMO, and the RAMED scheme for the uninsured poor), but it is under-resourced and overcrowded. Public hospitals are primarily used by the local population. Most expats — and many middle-class Moroccans — choose private care for most situations.
- Public hospitals (CHU) exist in all major cities but have long waits and variable standards
- RAMED: subsidised scheme for low-income residents — not typically applicable to expats
- AMO (Assurance Maladie Obligatoire): applies to salaried employees at Moroccan companies and covers partial costs
- Foreigners on tourist visas or Carte de Séjour are not automatically enrolled in public health — private insurance is essential
- Emergency departments at CHU hospitals are accessible to all and functional for urgent care
