{"id":31436,"date":"2026-09-14T13:21:59","date_gmt":"2026-09-14T11:21:59","guid":{"rendered":"https:\/\/carexpat.com\/blog\/?page_id=31436"},"modified":"2026-09-14T13:22:33","modified_gmt":"2026-09-14T11:22:33","slug":"expatriation-maroc-2","status":"publish","type":"page","link":"https:\/\/carexpat.com\/blog\/expatriation-maroc-2\/","title":{"rendered":"MAROC"},"content":{"rendered":"<div class=\"wpb-content-wrapper\" id=\"wpb-content-root\"><p>[vc_row][vc_column]\t\t<section class=\"et-hero et-hero--bar\"><div class=\"container\"><div class=\"et-hero__col\">\n\t\t\t<nav class=\"crumb et-hero__crumb\"><a href=\"https:\/\/carexpat.com\/blog\/\">Le blog<\/a><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\"><path d=\"M9 6l6 6-6 6\"><\/path><\/svg><a href=\"https:\/\/carexpat.com\/blog\/expatriation-tous-les-pays\/\">Destinations<\/a><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\"><path d=\"M9 6l6 6-6 6\"><\/path><\/svg><span>MAROC<\/span><\/nav>\n\t\t\t<span class=\"eyebrow\">Guide destination<\/span><h1 class=\"display\">ASSURANCE SANT\u00c9 MAROC<\/h1><p class=\"et-hero__intro\">Proximit\u00e9 culturelle, climat ensoleill\u00e9 et dynamisme \u00e9conomique : le Maroc est une destination historique pour les expatri\u00e9s et retrait\u00e9s fran\u00e7ais. Si le pays s&#039;est dot\u00e9 d&#039;une assurance maladie obligatoire (AMO), le syst\u00e8me public reste fragile et inadapt\u00e9 aux exigences occidentales. Pour une prise en charge rapide et s\u00e9curis\u00e9e, le secteur priv\u00e9 est de rigueur. careXpat vous accompagne pour trouver la mutuelle qui prot\u00e9gera votre sant\u00e9 de Tanger \u00e0 Agadir.<\/p>\t\t\t<div class=\"et-hero__cta\"><a class=\"btn-pri\" href=\"https:\/\/carexpat.com\/search\">Comparer les offres <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\"><path d=\"M9 6l6 6-6 6\"><\/path><\/svg><\/a><a class=\"btn btn--ghost\" href=\"#guide\">Lire le guide<\/a><\/div>\t\t\t<div class=\"et-hero__meta\"><span>Par la r\u00e9daction careXpat<\/span><span class=\"sep\"><\/span><span>14 septembre 2026<\/span><span class=\"sep\"><\/span><span>3 min de lecture<\/span><\/div>\t\t<\/div><figure class=\"et-hero__figure notch-photo\"><div class=\"framed\"><img decoding=\"async\" src=\"https:\/\/carexpat.com\/blog\/wp-content\/uploads\/2026\/09\/Visiter-le-Maroc-10-incontournables-a-faire-et-voir-1024x682.jpeg\" alt=\"ASSURANCE SANT\u00c9 MAROC\"><\/div><\/figure><\/div><\/section>\n\t\t<section class=\"hero-logos vc-insurers--hero\" aria-label=\"Les assureurs que nous comparons\"><div class=\"container\"><p class=\"hero-logos__label\">Les assureurs que nous comparons<\/p><div class=\"logobar__viewport\"><div class=\"logobar__track\"><span class=\"hero-logos__item\"><img decoding=\"async\" src=\"https:\/\/carexpat.com\/blog\/wp-content\/uploads\/2025\/04\/4-2.png\" alt=\"April International\"><\/span><span class=\"hero-logos__item\"><img decoding=\"async\" src=\"https:\/\/carexpat.com\/blog\/wp-content\/uploads\/2025\/04\/6.png\" alt=\"AVA assurances\"><\/span><span class=\"hero-logos__item\"><img decoding=\"async\" src=\"https:\/\/carexpat.com\/blog\/wp-content\/uploads\/2025\/04\/1-3.png\" alt=\"Malakoff Humanis\"><\/span><span class=\"hero-logos__item\"><img decoding=\"async\" src=\"https:\/\/carexpat.com\/blog\/wp-content\/uploads\/2025\/04\/17.png\" alt=\"MSH\"><\/span><span class=\"hero-logos__item\" aria-hidden=\"true\" tabindex=\"-1\"><img decoding=\"async\" src=\"https:\/\/carexpat.com\/blog\/wp-content\/uploads\/2025\/04\/4-2.png\" alt=\"\"><\/span><span class=\"hero-logos__item\" aria-hidden=\"true\" tabindex=\"-1\"><img decoding=\"async\" src=\"https:\/\/carexpat.com\/blog\/wp-content\/uploads\/2025\/04\/6.png\" alt=\"\"><\/span><span class=\"hero-logos__item\" aria-hidden=\"true\" tabindex=\"-1\"><img decoding=\"async\" src=\"https:\/\/carexpat.com\/blog\/wp-content\/uploads\/2025\/04\/1-3.png\" alt=\"\"><\/span><span class=\"hero-logos__item\" aria-hidden=\"true\" tabindex=\"-1\"><img decoding=\"async\" src=\"https:\/\/carexpat.com\/blog\/wp-content\/uploads\/2025\/04\/17.png\" alt=\"\"><\/span><\/div><\/div><\/div><\/section>\n\t\t<section class=\"arts\"><div class=\"container\"><div class=\"section-head\"><div><span class=\"eyebrow\">Le blog des expatri\u00e9s<\/span><h2 class=\"display h-2\">Tous nos articles<\/h2><\/div><span class=\"arts__count\">4 articles<\/span><\/div>\n\t<div class=\"agrid\">\t\t<a class=\"acard\" data-cat=\"profils\" href=\"https:\/\/carexpat.com\/blog\/retraite-a-letranger-couverture-sante-et-assurance-senior\/\">\n\t\t\t<div class=\"acard__media\"><img decoding=\"async\" src=\"https:\/\/carexpat.com\/blog\/wp-content\/uploads\/2026\/03\/pexels-cottonbro-5934643.jpg\" alt=\"\"><\/div>\n\t\t\t<div class=\"acard__body\">\n\t\t\t\t<div class=\"acard__meta\"><span class=\"chip chip--profils\">Profils<\/span><span class=\"sep\"><\/span><span>18 Mai 2026<\/span><span class=\"sep\"><\/span><span>6 min<\/span><\/div>\n\t\t\t\t<h3 class=\"acard__title\">Retraite \u00e0 l&rsquo;\u00e9tranger : couverture sant\u00e9 et assurance senior<\/h3>\n\t\t\t<\/div>\n\t\t<\/a>\n\t\t\t<a class=\"acard\" data-cat=\"profils\" href=\"https:\/\/carexpat.com\/blog\/pays-avec-le-plus-d-expatries-francais\/\">\n\t\t\t<div class=\"acard__media\"><img decoding=\"async\" src=\"https:\/\/carexpat.com\/blog\/wp-content\/uploads\/2023\/10\/expatriation-cf-scaled-e1700478361748.jpg\" alt=\"\"><\/div>\n\t\t\t<div class=\"acard__body\">\n\t\t\t\t<div class=\"acard__meta\"><span class=\"chip chip--profils\">Profils<\/span><span class=\"sep\"><\/span><span>20 Nov 2023<\/span><span class=\"sep\"><\/span><span>13 min<\/span><\/div>\n\t\t\t\t<h3 class=\"acard__title\">O\u00f9 s&rsquo;expatrier en 2026 : Classement des pays et sant\u00e9<\/h3>\n\t\t\t<\/div>\n\t\t<\/a>\n\t\t\t<a class=\"acard\" data-cat=\"profils\" href=\"https:\/\/carexpat.com\/blog\/guide-expatriation-maroc\/\">\n\t\t\t<div class=\"acard__media\"><img decoding=\"async\" src=\"https:\/\/carexpat.com\/blog\/wp-content\/uploads\/2023\/03\/devenir-expatrie-au-Maroc.jpg\" alt=\"\"><\/div>\n\t\t\t<div class=\"acard__body\">\n\t\t\t\t<div class=\"acard__meta\"><span class=\"chip chip--profils\">Profils<\/span><span class=\"sep\"><\/span><span>15 Mar 2023<\/span><span class=\"sep\"><\/span><span>1 min<\/span><\/div>\n\t\t\t\t<h3 class=\"acard__title\">Expatriation au Maroc : guide pratique et assurance sant\u00e9<\/h3>\n\t\t\t<\/div>\n\t\t<\/a>\n\t\t\t<a class=\"acard\" data-cat=\"profils\" href=\"https:\/\/carexpat.com\/blog\/quel-pays-recrute-le-plus-de-francais\/\">\n\t\t\t<div class=\"acard__media\"><img decoding=\"async\" src=\"https:\/\/carexpat.com\/blog\/wp-content\/uploads\/2023\/01\/pays-qui-recrute-des-expats.jpg\" alt=\"\"><\/div>\n\t\t\t<div class=\"acard__body\">\n\t\t\t\t<div class=\"acard__meta\"><span class=\"chip chip--profils\">Profils<\/span><span class=\"sep\"><\/span><span>16 Jan 2023<\/span><span class=\"sep\"><\/span><span>8 min<\/span><\/div>\n\t\t\t\t<h3 class=\"acard__title\">Top 10 des pays qui recrutent le plus de Fran\u00e7ais en 2026<\/h3>\n\t\t\t<\/div>\n\t\t<\/a>\n\t<\/div>\t<\/div><\/section>\n\t\t\t<article class=\"art-body\" id=\"guide\"><div class=\"container\"><div class=\"art-grid\"><div class=\"prose\"><p class=\"lead-p\"><h2 id=\"mutuelle-sante-maroc-tout-savoir-pour-bien-se-couvrir\">Mutuelle sant\u00e9 Maroc : tout savoir pour bien se couvrir<\/h2><div class=\"cx-text\"><p><span style=\"font-weight: 400;\">Le march\u00e9 de la sant\u00e9 marocain est en pleine mutation, mais il impose toujours aux expatri\u00e9s de s&rsquo;orienter vers une m\u00e9decine priv\u00e9e de pointe, avec les co\u00fbts que cela implique.<\/span><\/p>\n<h3><b>Le secteur public (AMO) et ses d\u00e9fis<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Le Maroc a mis en place l&rsquo;Assurance Maladie Obligatoire (AMO), g\u00e9r\u00e9e par la CNSS pour les salari\u00e9s du secteur priv\u00e9. Bien que le gouvernement marocain fasse d&rsquo;\u00e9normes efforts pour \u00e9tendre et moderniser cette couverture, les h\u00f4pitaux publics souffrent toujours d&rsquo;un engorgement massif et d&rsquo;un manque criant de personnel soignant. Les d\u00e9lais pour consulter ou se faire op\u00e9rer y sont tr\u00e8s longs.<\/span><\/p>\n<h3><b>Le choix des polycliniques priv\u00e9es<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">La v\u00e9ritable offre de soins pour les expatri\u00e9s se situe dans le secteur priv\u00e9. Les grandes villes (Casablanca, Rabat, Marrakech) regorgent de polycliniques et de cabinets priv\u00e9s ultra-modernes, proposant toutes les sp\u00e9cialit\u00e9s avec des m\u00e9decins souvent form\u00e9s en France. Bien que moins on\u00e9reux qu&rsquo;en Europe du Nord, ce syst\u00e8me priv\u00e9 applique des tarifs libres qui peuvent vite grimper, particuli\u00e8rement en cas d&rsquo;hospitalisation, de maternit\u00e9 ou d&rsquo;imagerie m\u00e9dicale.<\/span><\/p>\n<h3><b>Les solutions d&rsquo;assurance selon votre profil d&rsquo;expatri\u00e9<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Pour naviguer sereinement dans le syst\u00e8me marocain, il est imp\u00e9ratif de se pr\u00e9munir financi\u00e8rement.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Si vous \u00eates <\/span><b>retrait\u00e9 fran\u00e7ais<\/b><span style=\"font-weight: 400;\">, le co\u00fbt de la vie attractif ne doit pas faire oublier que la sant\u00e9 co\u00fbte cher avec l&rsquo;\u00e2ge. Si la convention bilat\u00e9rale permet de transf\u00e9rer vos droits (via le formulaire S1) pour b\u00e9n\u00e9ficier de l&rsquo;AMO, les taux de remboursement locaux sont bien trop faibles pour les cliniques priv\u00e9es. L&rsquo;adh\u00e9sion \u00e0 la Caisse des Fran\u00e7ais de l&rsquo;\u00c9tranger (CFE), compl\u00e9t\u00e9e par une bonne mutuelle, est la solution la plus populaire et la plus s\u00e9curisante.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pour les <\/span><b>salari\u00e9s en contrat local<\/b><span style=\"font-weight: 400;\">, l&rsquo;affiliation \u00e0 la CNSS est obligatoire. Toutefois, ses plafonds de remboursement (bas\u00e9s sur le tarif public, tr\u00e8s bas) rendent le reste \u00e0 charge colossal dans le priv\u00e9. La souscription \u00e0 une assurance internationale compl\u00e9mentaire (ou au 1er euro) est essentielle pour combler ce gouffre financier et prot\u00e9ger votre famille.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Enfin, pour les <\/span><b>Nomades digitaux et freelances<\/b><span style=\"font-weight: 400;\">, l&rsquo;assurance internationale au 1er euro est incontournable. Elle offre l&rsquo;avantage de vous couvrir partout au Maroc, mais aussi de prendre en charge une \u00e9vacuation m\u00e9dicale d&rsquo;urgence. Si vous \u00eates victime d&rsquo;un accident dans l&rsquo;Atlas ou dans le Sud (Dakhla), le transfert vers une clinique de Casablanca ou un rapatriement vers l&rsquo;Europe sera indispensable.<\/span><\/p>\n<\/div><div class=\"callout\"><span class=\"callout__ico\"><img decoding=\"async\" src=\"https:\/\/carexpat.com\/blog\/wp-content\/themes\/carexpat-blog\/assets\/icons\/chat.svg\" alt=\"\"><\/span><div><div class=\"callout__label\">Le conseil careXpat<\/div><p><span style=\"font-weight: 400;\">M\u00e9fiez-vous de la pratique ill\u00e9gale du \u00ab\u00a0ch\u00e8que de garantie\u00a0\u00bb ! Au Maroc, il est malheureusement encore tr\u00e8s courant que les cliniques priv\u00e9es exigent un ch\u00e8que de caution (non dat\u00e9) avant m\u00eame de vous admettre aux urgences, pour s&rsquo;assurer de votre solvabilit\u00e9. C&rsquo;est une source de stress immense. Avec une bonne assurance sant\u00e9 internationale disposant d&rsquo;un r\u00e9seau au Maroc, l&rsquo;assureur envoie imm\u00e9diatement une \u00ab\u00a0prise en charge\u00a0\u00bb \u00e0 la clinique (<\/span><i><span style=\"font-weight: 400;\">Direct Billing<\/span><\/i><span style=\"font-weight: 400;\">), vous dispensant ainsi d&rsquo;avancer des fonds ou de signer ce fameux ch\u00e8que.<\/span><\/p>\n<\/div><\/div>\n<\/div><aside class=\"art-aside\"><div class=\"aside-form\"><h4>Votre devis pour cette destination<\/h4><p>Comparez les meilleures offres sant\u00e9 adapt\u00e9es \u00e0 votre pays et \u00e0 votre profil.<\/p><div class=\"carexpat-quote-cf7 is-compact\" data-selected-country=\"\" data-language=\"\">\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f616-o1\" lang=\"fr-FR\" dir=\"ltr\" data-wpcf7-id=\"616\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/blog\/wp-json\/wp\/v2\/pages\/31436#wpcf7-f616-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Formulaire de contact\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"616\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.2.2\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"fr_FR\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f616-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<label><span style=\"margin-bottom: 15px;\">Pays d'expatriation<\/span>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"menu-700\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" name=\"menu-700\"><option value=\"Choisir un pays\">Choisir un pays<\/option><option value=\"AFRIQUE DU SUD\">AFRIQUE DU SUD<\/option><option value=\"ALBANIE\">ALBANIE<\/option><option value=\"ALG\u00c9RIE\">ALG\u00c9RIE<\/option><option value=\"ALLEMAGNE\">ALLEMAGNE<\/option><option value=\"ANDORRE\">ANDORRE<\/option><option value=\"ANGOLA\">ANGOLA<\/option><option value=\"ANGUILLA\">ANGUILLA<\/option><option value=\"ANTARCTIQUE\">ANTARCTIQUE<\/option><option value=\"ANTIGUA-ET-BARBUDA\">ANTIGUA-ET-BARBUDA<\/option><option value=\"ANTILLES N\u00c9ERLANDAISES\">ANTILLES N\u00c9ERLANDAISES<\/option><option value=\"ARABIE SAOUDITE\">ARABIE SAOUDITE<\/option><option value=\"ARGENTINE\">ARGENTINE<\/option><option value=\"ARM\u00c9NIE\">ARM\u00c9NIE<\/option><option value=\"ARUBA\">ARUBA<\/option><option value=\"AUSTRALIE\">AUSTRALIE<\/option><option value=\"AUTRICHE\">AUTRICHE<\/option><option value=\"AZERBA\u00cfDJAN\">AZERBA\u00cfDJAN<\/option><option value=\"BAHAMAS\">BAHAMAS<\/option><option value=\"BAHRE\u00cfN\">BAHRE\u00cfN<\/option><option value=\"BANGLADESH\">BANGLADESH<\/option><option value=\"BARBADE\">BARBADE<\/option><option value=\"BELGIQUE\">BELGIQUE<\/option><option value=\"BELIZE\">BELIZE<\/option><option value=\"B\u00c9NIN\">B\u00c9NIN<\/option><option value=\"BERMUDES\">BERMUDES<\/option><option value=\"BHOUTAN\">BHOUTAN<\/option><option value=\"BI\u00c9LORUSSIE\">BI\u00c9LORUSSIE<\/option><option value=\"BOLIVIE\">BOLIVIE<\/option><option value=\"BOSNIE-HERZ\u00c9GOVINE\">BOSNIE-HERZ\u00c9GOVINE<\/option><option value=\"BOTSWANA\">BOTSWANA<\/option><option value=\"BR\u00c9SIL\">BR\u00c9SIL<\/option><option value=\"BRUN\u00c9I DARUSSALAM\">BRUN\u00c9I DARUSSALAM<\/option><option value=\"BULGARIE\">BULGARIE<\/option><option value=\"BURKINA FASO\">BURKINA FASO<\/option><option value=\"BURUNDI\">BURUNDI<\/option><option value=\"CAMBODGE\">CAMBODGE<\/option><option value=\"CAMEROUN\">CAMEROUN<\/option><option value=\"CANADA\">CANADA<\/option><option value=\"CAP-VERT\">CAP-VERT<\/option><option value=\"CHILI\">CHILI<\/option><option value=\"CHINE\">CHINE<\/option><option value=\"CHYPRE\">CHYPRE<\/option><option value=\"COLOMBIE\">COLOMBIE<\/option><option value=\"COMORES\">COMORES<\/option><option value=\"COR\u00c9E DU NORD\">COR\u00c9E DU NORD<\/option><option value=\"COR\u00c9E DU SUD\">COR\u00c9E DU SUD<\/option><option value=\"COSTA RICA\">COSTA RICA<\/option><option value=\"C\u00d4TE D&#039;IVOIRE\">C\u00d4TE D&#039;IVOIRE<\/option><option value=\"CROATIE\">CROATIE<\/option><option value=\"CUBA\">CUBA<\/option><option value=\"DANEMARK\">DANEMARK<\/option><option value=\"DJIBOUTI\">DJIBOUTI<\/option><option value=\"DOMINIQUE\">DOMINIQUE<\/option><option value=\"\u00c9GYPTE\">\u00c9GYPTE<\/option><option value=\"EL SALVADOR\">EL SALVADOR<\/option><option value=\"\u00c9MIRATS ARABES UNIS\">\u00c9MIRATS ARABES UNIS<\/option><option value=\"\u00c9QUATEUR\">\u00c9QUATEUR<\/option><option value=\"\u00c9RYTHR\u00c9E\">\u00c9RYTHR\u00c9E<\/option><option value=\"ESPAGNE\">ESPAGNE<\/option><option value=\"ESTONIE\">ESTONIE<\/option><option value=\"\u00c9TATS F\u00c9D\u00c9R\u00c9S DE MICRON\u00c9SIE\">\u00c9TATS F\u00c9D\u00c9R\u00c9S DE MICRON\u00c9SIE<\/option><option value=\"\u00c9TATS-UNIS\">\u00c9TATS-UNIS<\/option><option value=\"\u00c9THIOPIE\">\u00c9THIOPIE<\/option><option value=\"FIDJI\">FIDJI<\/option><option value=\"FINLANDE\">FINLANDE<\/option><option value=\"FRANCE\">FRANCE<\/option><option value=\"GABON\">GABON<\/option><option value=\"GAMBIE\">GAMBIE<\/option><option value=\"G\u00c9ORGIE\">G\u00c9ORGIE<\/option><option value=\"G\u00c9ORGIE DU SUD ET LES \u00ceLES SANDWICH DU SUD\">G\u00c9ORGIE DU SUD ET LES \u00ceLES SANDWICH DU SUD<\/option><option value=\"GHANA\">GHANA<\/option><option value=\"GIBRALTAR\">GIBRALTAR<\/option><option value=\"GR\u00c8CE\">GR\u00c8CE<\/option><option value=\"GRENADE\">GRENADE<\/option><option value=\"GROENLAND\">GROENLAND<\/option><option value=\"GUADELOUPE\">GUADELOUPE<\/option><option value=\"GUAM\">GUAM<\/option><option value=\"GUATEMALA\">GUATEMALA<\/option><option value=\"GUIN\u00c9E\">GUIN\u00c9E<\/option><option value=\"GUIN\u00c9E \u00c9QUATORIALE\">GUIN\u00c9E \u00c9QUATORIALE<\/option><option value=\"GUIN\u00c9E-BISSAU\">GUIN\u00c9E-BISSAU<\/option><option value=\"GUYANA\">GUYANA<\/option><option value=\"GUYANE FRAN\u00c7AISE\">GUYANE FRAN\u00c7AISE<\/option><option value=\"HA\u00cfTI\">HA\u00cfTI<\/option><option value=\"HONDURAS\">HONDURAS<\/option><option value=\"HONG-KONG\">HONG-KONG<\/option><option value=\"HONGRIE\">HONGRIE<\/option><option value=\"\u00ceLE BOUVET\">\u00ceLE BOUVET<\/option><option value=\"\u00ceLE CHRISTMAS\">\u00ceLE CHRISTMAS<\/option><option value=\"\u00ceLE DE MAN\">\u00ceLE DE MAN<\/option><option value=\"\u00ceLE NORFOLK\">\u00ceLE NORFOLK<\/option><option value=\"\u00ceLES (MALVINAS) FALKLAND\">\u00ceLES (MALVINAS) FALKLAND<\/option><option value=\"\u00ceLES \u00c5LAND\">\u00ceLES \u00c5LAND<\/option><option value=\"\u00ceLES CA\u00cfMANES\">\u00ceLES CA\u00cfMANES<\/option><option value=\"\u00ceLES COCOS (KEELING)\">\u00ceLES COCOS (KEELING)<\/option><option value=\"\u00ceLES COOK\">\u00ceLES COOK<\/option><option value=\"\u00ceLES F\u00c9RO\u00c9\">\u00ceLES F\u00c9RO\u00c9<\/option><option value=\"\u00ceLES HEARD ET MCDONALD\">\u00ceLES HEARD ET MCDONALD<\/option><option value=\"\u00ceLES MARIANNES DU NORD\">\u00ceLES MARIANNES DU NORD<\/option><option value=\"\u00ceLES MARSHALL\">\u00ceLES MARSHALL<\/option><option value=\"\u00ceLES MINEURES \u00c9LOIGN\u00c9ES DES \u00c9TATS-UNIS\">\u00ceLES MINEURES \u00c9LOIGN\u00c9ES DES \u00c9TATS-UNIS<\/option><option value=\"\u00ceLES SALOMON\">\u00ceLES SALOMON<\/option><option value=\"\u00ceLES TURKS ET CA\u00cfQUES\">\u00ceLES TURKS ET CA\u00cfQUES<\/option><option value=\"\u00ceLES VIERGES BRITANNIQUES\">\u00ceLES VIERGES BRITANNIQUES<\/option><option value=\"\u00ceLES VIERGES DES \u00c9TATS-UNISHEADLES\">\u00ceLES VIERGES DES \u00c9TATS-UNISHEADLES<\/option><option value=\"INDE\">INDE<\/option><option value=\"INDON\u00c9SIE\">INDON\u00c9SIE<\/option><option value=\"IRAQ\">IRAQ<\/option><option value=\"IRLANDE\">IRLANDE<\/option><option value=\"ISLANDE\">ISLANDE<\/option><option value=\"ISRA\u00cbL\">ISRA\u00cbL<\/option><option value=\"ITALIE\">ITALIE<\/option><option value=\"JAMA\u00cfQUE\">JAMA\u00cfQUE<\/option><option value=\"JAPON\">JAPON<\/option><option value=\"JERSEY\">JERSEY<\/option><option value=\"JORDANIE\">JORDANIE<\/option><option value=\"KAZAKHSTAN\">KAZAKHSTAN<\/option><option value=\"KENYA\">KENYA<\/option><option value=\"KIRGHIZISTAN\">KIRGHIZISTAN<\/option><option value=\"KIRIBATI\">KIRIBATI<\/option><option value=\"KOWE\u00cfT\">KOWE\u00cfT<\/option><option value=\"LAOS\">LAOS<\/option><option value=\"LESOTHO\">LESOTHO<\/option><option value=\"LETTONIE\">LETTONIE<\/option><option value=\"LIBAN\">LIBAN<\/option><option value=\"LIB\u00c9RIA\">LIB\u00c9RIA<\/option><option value=\"LIBYE\">LIBYE<\/option><option value=\"LIECHTENSTEIN\">LIECHTENSTEIN<\/option><option value=\"LITUANIE\">LITUANIE<\/option><option value=\"LUXEMBOURG\">LUXEMBOURG<\/option><option value=\"MACAO\">MACAO<\/option><option value=\"MAC\u00c9DOINE\">MAC\u00c9DOINE<\/option><option value=\"MADAGASCAR\">MADAGASCAR<\/option><option value=\"MALAISIE\">MALAISIE<\/option><option value=\"MALAWI\">MALAWI<\/option><option value=\"MALDIVES\">MALDIVES<\/option><option value=\"MALI\">MALI<\/option><option value=\"MALTE\">MALTE<\/option><option value=\"MAROC\">MAROC<\/option><option value=\"MARTINIQUE\">MARTINIQUE<\/option><option value=\"MAURICE\">MAURICE<\/option><option value=\"MAURITANIE\">MAURITANIE<\/option><option value=\"MAYOTTE\">MAYOTTE<\/option><option value=\"MEXIQUE\">MEXIQUE<\/option><option value=\"MOLDAVIE\">MOLDAVIE<\/option><option value=\"MONACO\">MONACO<\/option><option value=\"MONGOLIE\">MONGOLIE<\/option><option value=\"MONT\u00c9N\u00c9GRO\">MONT\u00c9N\u00c9GRO<\/option><option value=\"MONTSERRAT\">MONTSERRAT<\/option><option value=\"MOZAMBIQUE\">MOZAMBIQUE<\/option><option value=\"MYANMAR\">MYANMAR<\/option><option value=\"NAMIBIE\">NAMIBIE<\/option><option value=\"NAURU\">NAURU<\/option><option value=\"N\u00c9PAL\">N\u00c9PAL<\/option><option value=\"NICARAGUA\">NICARAGUA<\/option><option value=\"NIGER\">NIGER<\/option><option value=\"NIG\u00c9RIA\">NIG\u00c9RIA<\/option><option value=\"NIU\u00c9\">NIU\u00c9<\/option><option value=\"NORV\u00c8GE\">NORV\u00c8GE<\/option><option value=\"NOUVELLE-CAL\u00c9DONIE\">NOUVELLE-CAL\u00c9DONIE<\/option><option value=\"NOUVELLE-Z\u00c9LANDE\">NOUVELLE-Z\u00c9LANDE<\/option><option value=\"OMAN\">OMAN<\/option><option value=\"OUGANDA\">OUGANDA<\/option><option value=\"OUZB\u00c9KISTAN\">OUZB\u00c9KISTAN<\/option><option value=\"PAKISTAN\">PAKISTAN<\/option><option value=\"PALAOS\">PALAOS<\/option><option value=\"PANAMA\">PANAMA<\/option><option value=\"PAPOUASIE-NOUVELLE-GUIN\u00c9E\">PAPOUASIE-NOUVELLE-GUIN\u00c9E<\/option><option value=\"PARAGUAY\">PARAGUAY<\/option><option value=\"PAYS-BAS\">PAYS-BAS<\/option><option value=\"P\u00c9ROU\">P\u00c9ROU<\/option><option value=\"PHILIPPINES\">PHILIPPINES<\/option><option value=\"PITCAIRN\">PITCAIRN<\/option><option value=\"POLOGNE\">POLOGNE<\/option><option value=\"POLYN\u00c9SIE FRAN\u00c7AISE\">POLYN\u00c9SIE FRAN\u00c7AISE<\/option><option value=\"PORTO RICO\">PORTO RICO<\/option><option value=\"PORTUGAL\">PORTUGAL<\/option><option value=\"QATAR\">QATAR<\/option><option value=\"R\u00c9PUBLIQUE ARABE SYRIENNE\">R\u00c9PUBLIQUE ARABE SYRIENNE<\/option><option value=\"R\u00c9PUBLIQUE CENTRAFRICAINE\">R\u00c9PUBLIQUE CENTRAFRICAINE<\/option><option value=\"R\u00c9PUBLIQUE D\u00c9MOCRATIQUE DU CONGO\">R\u00c9PUBLIQUE D\u00c9MOCRATIQUE DU CONGO<\/option><option value=\"R\u00c9PUBLIQUE DOMINICAINE\">R\u00c9PUBLIQUE DOMINICAINE<\/option><option value=\"R\u00c9PUBLIQUE DU CONGO\">R\u00c9PUBLIQUE DU CONGO<\/option><option value=\"R\u00c9PUBLIQUE ISLAMIQUE D&#039;IRAN\">R\u00c9PUBLIQUE ISLAMIQUE D&#039;IRAN<\/option><option value=\"R\u00c9PUBLIQUE TCH\u00c8QUE\">R\u00c9PUBLIQUE TCH\u00c8QUE<\/option><option value=\"ROUMANIE\">ROUMANIE<\/option><option value=\"ROYAUME-UNI\">ROYAUME-UNI<\/option><option value=\"RUSSIE\">RUSSIE<\/option><option value=\"RWANDA\">RWANDA<\/option><option value=\"SAHARA OCCIDENTAL\">SAHARA OCCIDENTAL<\/option><option value=\"SAINT-BARTH\u00c9LEMY\">SAINT-BARTH\u00c9LEMY<\/option><option value=\"SAINT-KITTS-ET-NEVIS\">SAINT-KITTS-ET-NEVIS<\/option><option value=\"SAINT-MARIN\">SAINT-MARIN<\/option><option value=\"SAINT-MARTIN\">SAINT-MARTIN<\/option><option value=\"SAINT-PIERRE-ET-MIQUELON\">SAINT-PIERRE-ET-MIQUELON<\/option><option value=\"SAINT-VINCENT-ET-LES GRENADINES\">SAINT-VINCENT-ET-LES GRENADINES<\/option><option value=\"SAINTE-H\u00c9L\u00c8NE\">SAINTE-H\u00c9L\u00c8NE<\/option><option value=\"SAINTE-LUCIE\">SAINTE-LUCIE<\/option><option value=\"SAMOA\">SAMOA<\/option><option value=\"AMOA AM\u00c9RICAINES\">AMOA AM\u00c9RICAINES<\/option><option value=\"SAO TOM\u00c9-ET-PRINCIPE\">SAO TOM\u00c9-ET-PRINCIPE<\/option><option value=\"S\u00c9N\u00c9GAL\">S\u00c9N\u00c9GAL<\/option><option value=\"SERBIE\">SERBIE<\/option><option value=\"SEYCHELLES\">SEYCHELLES<\/option><option value=\"SIERRA LEONE\">SIERRA LEONE<\/option><option value=\"SINGAPOUR\">SINGAPOUR<\/option><option value=\"SINT MAARTEEN\">SINT MAARTEEN<\/option><option value=\"SLOVAQUIE\">SLOVAQUIE<\/option><option value=\"SLOV\u00c9NIE\">SLOV\u00c9NIE<\/option><option value=\"SOMALIE\">SOMALIE<\/option><option value=\"SOUDAN\">SOUDAN<\/option><option value=\"SRI LANKA\">SRI LANKA<\/option><option value=\"SU\u00c8DE\">SU\u00c8DE<\/option><option value=\"SUISSE\">SUISSE<\/option><option value=\"SURINAME\">SURINAME<\/option><option value=\"SVALBARD ET JAN MAYEN\">SVALBARD ET JAN MAYEN<\/option><option value=\"SWAZILAND\">SWAZILAND<\/option><option value=\"TADJIKISTAN\">TADJIKISTAN<\/option><option value=\"TA\u00cfWAN\">TA\u00cfWAN<\/option><option value=\"TANZANIE\">TANZANIE<\/option><option value=\"TCHAD\">TCHAD<\/option><option value=\"TERRES AUSTRALES FRAN\u00c7AISES\">TERRES AUSTRALES FRAN\u00c7AISES<\/option><option value=\"TERRITOIRE BRITANNIQUE DE L&#039;OC\u00c9AN INDIEN\">TERRITOIRE BRITANNIQUE DE L&#039;OC\u00c9AN INDIEN<\/option><option value=\"TERRITOIRE PALESTINIEN OCCUP\u00c9\">TERRITOIRE PALESTINIEN OCCUP\u00c9<\/option><option value=\"THA\u00cfLANDE\">THA\u00cfLANDE<\/option><option value=\"TOGO\">TOGO<\/option><option value=\"TOKELAU\">TOKELAU<\/option><option value=\"TRINIT\u00c9-ET-TOBAGO\">TRINIT\u00c9-ET-TOBAGO<\/option><option value=\"TUNISIE\">TUNISIE<\/option><option value=\"TURKM\u00c9NISTAN\">TURKM\u00c9NISTAN<\/option><option value=\"TURQUIE\">TURQUIE<\/option><option value=\"TUVALU\">TUVALU<\/option><option value=\"UKRAINE\">UKRAINE<\/option><option value=\"URUGUAY\">URUGUAY<\/option><option value=\"VANUATU\">VANUATU<\/option><option value=\"VATICAN\">VATICAN<\/option><option value=\"VENEZUELA\">VENEZUELA<\/option><option value=\"VIETNAM\">VIETNAM<\/option><option value=\"WALLIS ET FUTUNA\">WALLIS ET FUTUNA<\/option><option value=\"Y\u00c9MEN\">Y\u00c9MEN<\/option><option value=\"ZAMBIE\">ZAMBIE<\/option><option value=\"ZIMBABWE\">ZIMBABWE<\/option><\/select><\/span><\/label>\n\n<div id=\"responsive-form\" class=\"clearfix\">\n <div style=\"margin-top:25px;\" class=\"form-row\">\n  <div>\n   <label>\n    <span>Date de naissance<\/span>\n    <span class=\"wpcf7-form-control-wrap\" data-name=\"date-841\"><input class=\"wpcf7-form-control wpcf7-date wpcf7-validates-as-required wpcf7-validates-as-date\" min=\"1950-12-31\" max=\"2004-12-31\" aria-required=\"true\" aria-invalid=\"false\" value=\"jj\/mm\/aaaa\" type=\"date\" name=\"date-841\" \/><\/span>\n   <\/label>\n  <\/div>\n <\/div>\n<\/div>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"b2c\" type=\"hidden\" name=\"type_article\" \/>\n<div style=\"margin-top:25px;\">\n<div class=\"quote-field\">\n  <label>Type de s\u00e9jour<\/label>\n  <span class=\"wpcf7-form-control-wrap\" data-name=\"radio-261\"><span class=\"wpcf7-form-control wpcf7-radio\"><span class=\"wpcf7-list-item first\"><label><input type=\"radio\" name=\"radio-261\" value=\"Plus de 12 mois\" checked=\"checked\" \/><span class=\"wpcf7-list-item-label\">Plus de 12 mois<\/span><\/label><\/span><span class=\"wpcf7-list-item last\"><label><input type=\"radio\" name=\"radio-261\" value=\"Moins de 12 mois\" \/><span class=\"wpcf7-list-item-label\">Moins de 12 mois<\/span><\/label><\/span><\/span><\/span>\n<\/div>\n<\/div>\n<input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"Je compare les offres\" \/><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n<\/div>\t<a class=\"aside-form__trust carexpat-trust-summary\" href=\"https:\/\/fr.trustpilot.com\/review\/santexpat.fr\" target=\"_blank\" rel=\"noopener noreferrer\">\n\t\t<span class=\"stars\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 2l2.9 6.3 6.9.7-5.1 4.6 1.4 6.8L12 17.8 6 20.4l1.4-6.8L2.3 9l6.9-.7z\"><\/path><\/svg><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 2l2.9 6.3 6.9.7-5.1 4.6 1.4 6.8L12 17.8 6 20.4l1.4-6.8L2.3 9l6.9-.7z\"><\/path><\/svg><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 2l2.9 6.3 6.9.7-5.1 4.6 1.4 6.8L12 17.8 6 20.4l1.4-6.8L2.3 9l6.9-.7z\"><\/path><\/svg><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 2l2.9 6.3 6.9.7-5.1 4.6 1.4 6.8L12 17.8 6 20.4l1.4-6.8L2.3 9l6.9-.7z\"><\/path><\/svg><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 2l2.9 6.3 6.9.7-5.1 4.6 1.4 6.8L12 17.8 6 20.4l1.4-6.8L2.3 9l6.9-.7z\"><\/path><\/svg><\/span>\t\t<span>4,9\/5 \u00b7 816 avis sur Trustpilot<\/span>\n\t<\/a>\n\t<\/div>\t<details class=\"toc\" open>\n\t\t<summary><span class=\"toc__label\">Sommaire<\/span><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\"><path d=\"m6 9 6 6 6-6\"><\/path><\/svg><\/summary>\n\t\t<ul><li><a href=\"#mutuelle-sante-maroc-tout-savoir-pour-bien-se-couvrir\">Mutuelle sant\u00e9 Maroc : tout savoir pour bien se couvrir<\/a><\/li><\/ul>\n\t<\/details>\n\t<\/aside><\/div><\/div><\/article>\n\t\t<section class=\"section related\"><div class=\"container\"><div class=\"section-head\"><span class=\"eyebrow\">Pour aller plus loin<\/span><h2 class=\"display h-2\">Nos articles sur cette destination<\/h2><\/div><div class=\"rel-grid\">\n\t\t\t<a class=\"rel-card\" href=\"https:\/\/carexpat.com\/blog\/en\/santexpat-becomes-carexpat-why-the-change\/\">\n\t\t\t<div class=\"rel-card__media\"><img decoding=\"async\" src=\"https:\/\/carexpat.com\/blog\/wp-content\/uploads\/2026\/10\/blog12-1.png\" alt=\"\"><\/div>\n\t\t\t<div class=\"rel-card__body\">\n\t\t\t\t<div class=\"rel-card__meta\"><span class=\"chip chip--profils\">Profils<\/span><span class=\"sep\"><\/span><span>6 min<\/span><\/div>\n\t\t\t\t<h3 class=\"rel-card__title\">Santexpat Becomes careXpat: Why the Change?<\/h3>\n\t\t\t<\/div>\n\t\t<\/a>\n\t\t\t<a class=\"rel-card\" href=\"https:\/\/carexpat.com\/blog\/santexpat-devient-carexpat\/\">\n\t\t\t<div class=\"rel-card__media\"><img decoding=\"async\" src=\"https:\/\/carexpat.com\/blog\/wp-content\/uploads\/2026\/10\/blog12-1.png\" alt=\"\"><\/div>\n\t\t\t<div class=\"rel-card__body\">\n\t\t\t\t<div class=\"rel-card__meta\"><span class=\"chip chip--profils\">Profils<\/span><span class=\"sep\"><\/span><span>7 min<\/span><\/div>\n\t\t\t\t<h3 class=\"rel-card__title\">Santexpat devient careXpat : pourquoi ce changement ?<\/h3>\n\t\t\t<\/div>\n\t\t<\/a>\n\t\t\t<a class=\"rel-card\" href=\"https:\/\/carexpat.com\/blog\/en\/starting-out-as-a-family-the-first-90-days\/\">\n\t\t\t<div class=\"rel-card__media\"><img decoding=\"async\" src=\"https:\/\/carexpat.com\/blog\/wp-content\/uploads\/2026\/10\/quelques-idees-reussir-voyage-famille-destinations-lointaines.png\" alt=\"\"><\/div>\n\t\t\t<div class=\"rel-card__body\">\n\t\t\t\t<div class=\"rel-card__meta\"><span class=\"chip chip--profils\">Profils<\/span><span class=\"sep\"><\/span><span>7 min<\/span><\/div>\n\t\t\t\t<h3 class=\"rel-card__title\">Starting Out as a Family: The First 90 Days<\/h3>\n\t\t\t<\/div>\n\t\t<\/a>\n\t\t<\/div><\/div><\/section>\n\t\t<section class=\"section faqA\" id=\"faq\"><div class=\"container\"><div class=\"faqA__grid\">\n\t\t<div class=\"faqA__aside\"><span class=\"eyebrow\">careXpat est \u00e0 vos c\u00f4t\u00e9s<\/span><h2 class=\"display h-1\">Questions<br>fr\u00e9quentes<\/h2><div class=\"ghost-stamps\" aria-hidden=\"true\"><img decoding=\"async\" src=\"https:\/\/carexpat.com\/blog\/wp-content\/themes\/carexpat-blog\/assets\/stamps\/teleconsultation.svg\" alt=\"\"><img decoding=\"async\" src=\"https:\/\/carexpat.com\/blog\/wp-content\/themes\/carexpat-blog\/assets\/stamps\/maternity.svg\" alt=\"\"><img decoding=\"async\" src=\"https:\/\/carexpat.com\/blog\/wp-content\/themes\/carexpat-blog\/assets\/stamps\/cancer.svg\" alt=\"\"><\/div><\/div>\n\t\t<div class=\"faq\"><div class=\"faq__item\"><button class=\"faq__q\" type=\"button\" aria-controls=\"faq-answer-31591-0\">Why compare international health insurance plans?<span class=\"faq__toggle\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\"><path d=\"M12 5v14M5 12h14\"><\/path><\/svg><\/span><\/button><div class=\"faq__a\" id=\"faq-answer-31591-0\"><div class=\"faq__a-inner\"><p>Benefits, limits and exclusions vary greatly by country and profile. Comparing helps you choose truly suitable coverage.<\/p>\n<\/div><\/div><\/div><div class=\"faq__item\"><button class=\"faq__q\" type=\"button\" aria-controls=\"faq-answer-31591-1\">Is the careXpat comparison service free?<span class=\"faq__toggle\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\"><path d=\"M12 5v14M5 12h14\"><\/path><\/svg><\/span><\/button><div class=\"faq__a\" id=\"faq-answer-31591-1\"><div class=\"faq__a-inner\"><p>Yes. The comparison and support from an adviser are free, with no obligation.<\/p>\n<\/div><\/div><\/div><\/div>\n\t<\/div><\/div><\/section>\n\t\t<section class=\"avisband\"><div class=\"container\"><div class=\"avisband__head\"><span class=\"eyebrow\">Avis clients<\/span><h2>Plus de 20 000 assur\u00e9s nous font confiance<\/h2><p class=\"lead\">Des avis v\u00e9rifi\u00e9s, laiss\u00e9s apr\u00e8s un accompagnement r\u00e9el : comparaison, souscription, remboursements.<\/p><\/div><div class=\"avisband__tp\"><div class=\"trustpilot-widget\" data-locale=\"fr-FR\" data-template-id=\"54ad5defc6454f065c28af8b\" data-businessunit-id=\"623c3eee2cc9401e439c98fb\" data-style-height=\"240px\" data-style-width=\"100%\" data-token=\"7fedd72f-6a9a-4253-a889-7b99d9209710\" data-stars=\"1,2,3,4,5\" data-review-languages=\"\"><a href=\"https:\/\/fr.trustpilot.com\/review\/santexpat.fr\" target=\"_blank\" rel=\"noopener noreferrer\">Trustpilot<\/a><\/div><\/div><\/div><\/section>\n\t\t<section class=\"section cta-banner\"><div class=\"container\"><div class=\"cta-banner__inner\"><div class=\"cta-banner__body\"><span class=\"eyebrow\">Comparateur sant\u00e9<\/span><h2>Votre sant\u00e9 \u00e0 l\u2019\u00e9tranger, sans mauvaise surprise<\/h2><p>Comparez en quelques minutes les meilleures assurances sant\u00e9 internationales adapt\u00e9es \u00e0 votre projet.<\/p><ul class=\"cta-banner__list\"><li><span class=\"tick\"><svg viewBox=\"0 0 24 24\"><path d=\"M5 12l5 5 9-11\"><\/path><\/svg><\/span>Comparatif personnalis\u00e9<\/li><li><span class=\"tick\"><svg viewBox=\"0 0 24 24\"><path d=\"M5 12l5 5 9-11\"><\/path><\/svg><\/span>Conseillers experts de l\u2019expatriation<\/li><li><span class=\"tick\"><svg viewBox=\"0 0 24 24\"><path d=\"M5 12l5 5 9-11\"><\/path><\/svg><\/span>Gratuit et sans engagement<\/li><\/ul><div class=\"cta-banner__actions\"><a class=\"btn-pri\" href=\"https:\/\/carexpat.com\/search\">Trouver mon assurance <svg viewBox=\"0 0 24 24\"><path d=\"M9 6l6 6-6 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