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Best Health Insurance in Morocco

6 insurers ranked and reviewed ยท Updated May 2026

Sources:ACAPS (Autorite de Controle des Assurances)Atlas Magazine

Healthcare System Overview

Morocco's health system is built around the Assurance Maladie Obligatoire (AMO), a mandatory health insurance scheme managed by CNSS (private sector workers) and CNOPS (public sector). AMO covered 32 million people (88% of population) in 2025. Private insurance is essential for accessing quality private healthcare, as 95% of insured Moroccans prefer private clinics.

#1

Wafa Assurance

ูˆูุง ู„ู„ุชุฃู…ูŠู†

private2.0M members
95Score
ACAPS: #1 Insurer in Morocco(2026)
โ˜…โ˜…โ˜…โ˜…โ˜†4.0satisfaction

Market Share

18.8% (market leader)

Written Premiums

9.08 billion MAD (~$972M)

Parent Company

Attijariwafa Bank

  • Morocco's #1 insurer for multiple consecutive years
  • 9.08 billion MAD (~$972M) in written premiums
  • Distribution through Attijariwafa Bank's massive branch network
  • Comprehensive 'Sante Famille' health plan
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#2

Sanlam Maroc

ุณุงู†ู„ุงู… ุงู„ู…ุบุฑุจ

private1.5M members
88Score
ACAPS: Dominant Non-Life Insurer(2026)
โ˜…โ˜…โ˜…โ˜†โ˜†3.8satisfaction

Market Share

16.8% non-life

Parent Company

Sanlam Ltd (South Africa)

Former Name

SAHAM Assurance (rebranded 2022)

  • Dominant non-life market position (16.8% share)
  • Pan-African backing from Sanlam Group
  • Sante Famille health plan for families
  • Listed on Casablanca Stock Exchange
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#3

RMA (Royale Marocaine d'Assurance)

ุงู„ู…ู„ูƒูŠุฉ ุงู„ู…ุบุฑุจูŠุฉ ู„ู„ุชุฃู…ูŠู†

private1.2M members
85Score
ACAPS: 3rd Largest Insurer(2026)
โ˜…โ˜…โ˜…โ˜†โ˜†3.7satisfaction

Market Share

14.4%

Parent Group

FinanceCom / BMCE Bank Group

Segments

Life & non-life

  • Third largest insurer in Morocco (14.4% share)
  • Part of FinanceCom/BMCE Bank Group
  • Strong in both life and non-life insurance
  • Wide agency distribution network
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#4

AXA Assurance Maroc

ุฃูƒุณุง ุงู„ุชุฃู…ูŠู† ุงู„ู…ุบุฑุจ

private900K members
83Score
ACAPS: Digital Innovation Leader(2026)
โ˜…โ˜…โ˜…โ˜…โ˜†4.0satisfaction

Market Share

12.4%

Turnover

~4.87 billion MAD

Parent Company

AXA Group (France)

  • Global insurer sophistication applied to Morocco
  • Digital-first approach with DabaDoc health-tech integration
  • Strong health and corporate insurance products
  • ~4.87 billion MAD in turnover
View DetailsGet Quoteโ†’
#5

Mutuelle Taamine Chaabi

ุงู„ุชุนุงุถุฏูŠุฉ ุงู„ุดุนุจูŠุฉ ู„ู„ุชุฃู…ูŠู†

hybrid800K members
80Score
ACAPS: Largest Life Insurer (23.4% share)(2026)
โ˜…โ˜…โ˜…โ˜†โ˜†3.6satisfaction

Market Share

10.3% overall; 23.4% life insurance

Structure

Mutual (member-owned, not-for-profit)

Linked To

Banque Centrale Populaire (BCP)

  • Mutual structure โ€” member-owned, not-for-profit
  • Largest in life insurance segment (23.4% share)
  • Distribution through BCP's extensive branch network
  • Affordable plans for lower-income segments
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#6

AtlantaSanad Assurance

ุฃุทู„ู†ุทุง ุณู†ุฏ ู„ู„ุชุฃู…ูŠู†

private500K members
72Score
ACAPS: Established Non-Life Insurer(2026)
โ˜…โ˜…โ˜…โ˜†โ˜†3.5satisfaction

Market Share

8.4% non-life

Listed Since

2007 (Casablanca SE)

History

75+ years (founded 1947)

  • One of oldest insurers in Morocco (75+ years)
  • Listed on Casablanca Stock Exchange since 2007
  • Multi-line insurer with health component
  • Strong non-life market presence
View DetailsVisit Websiteโ†’

About Health Insurance in Morocco

Morocco's health system is built around the Assurance Maladie Obligatoire (AMO), a mandatory health insurance scheme managed by CNSS (private sector workers) and CNOPS (public sector). AMO covered 32 million people (88% of population) in 2025. Private insurance is essential for accessing quality private healthcare, as 95% of insured Moroccans prefer private clinics.

Our editorial team has evaluated and ranked the top 6 health insurers in Morocco based on editorial ratings from trusted sources, customer satisfaction, financial strength, and coverage quality. Rankings are updated regularly to reflect the latest market changes.

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