Common question · Reimbursement
Does insurance reimburse home care?
Read: 5 minUpdated: 2026-07-02
Quick answer
Reimbursement of home care depends on your coverage. AMO/CNSS and mutual funds may cover prescribed acts, on presentation of the prescription and an itemised invoice. Private and travel insurers apply their own limits. In Marrakech, SAMU Marrakech provides the supporting documents you need.
Public coverage: AMO and CNSS
In Morocco, the compulsory health insurance (AMO), managed notably by the CNSS, may cover part of the prescribed nursing acts (injections, dressings, samples) according to the applicable schedule and rate. Reimbursement assumes the care is medically justified and prescribed by a doctor. The amount and scope covered change over time: check with your fund to learn which acts are eligible and the rate applied to your situation. Always keep the prescription and the invoice.
Mutual funds, private and travel insurers
Many employees and retirees hold a complementary mutual fund that can top up the AMO share. In Marrakech, a highly touristic city, many patients are covered by travel insurance or an international health contract that sometimes includes a "home care" or "medical assistance abroad" line. Each contract has its limits, deductibles and conditions. Check whether prior authorisation or contact with the assistance platform is required before the visit: this is common for travel insurance.
Documents to keep for reimbursement
To build a solid file, keep: the medical prescription, the itemised invoice (type of care, date, amount), and if relevant the hospital discharge report. SAMU Marrakech provides a clear, compliant invoice, essential for any claim with the CNSS, a mutual fund or a travel insurer. Also keep proof of payment. For tourists, a proper invoice is essential for reimbursement once back in your country.
Our role in your reimbursement
We are not your insurer, but we make your steps easier. We advise you on the documents to gather, we issue compliant supporting documents, and we remain available for any additional item. Final reimbursement, however, rests with your fund, mutual or insurer and your contract. To know your exact coverage, contact your organisation or assistance platform before the visit; we adapt our schedule to any prior authorisations.
Related questions
The AMO managed by the CNSS may cover part of prescribed nursing acts, according to the applicable schedule and rate, on presentation of the prescription and an itemised invoice. Check with your fund for your situation.