Cover and reimbursement
A hearing aid entitles you, depending on your scheme, to partial cover. The amount depends on your fund and on your file — we will not quote one here. The procedure, on the other hand, is always the same, and it is what wins or loses you several weeks.
In Morocco, cover for a hearing aid runs through compulsory health insurance (AMO). Depending on your situation, your file is handled by the CNSS (private-sector employees, self-employed), by the CNOPS and the public-sector mutual societies (civil servants), by the Royal Armed Forces fund for service members and their dependants, or through a company insurance or mutual scheme topping up the basic cover.
One current point worth knowing: law 54.23, published in the Official Bulletin in February 2026, transfers management of public-sector AMO from CNOPS to CNSS, taking effect twelve months after publication. In practice, if you are putting a file together now, deal with whichever body still manages your scheme, and confirm with them where to file it — during a transition, that is the first detail to move.
Top-up cover — a mutual society, private insurance, a group company policy — comes in after the basic scheme, on whatever is left. It has its own conditions, and it is the one to ask.
Cover applies to the device itself, calculated against a reference tariff specific to each scheme, not against the price you actually pay. The gap between the two is yours: which is why a detailed quote, handed over before you commit to anything, is more use than a percentage.
The examinations that come first — the ENT consultation, audiometry — follow their own reimbursement rules. Accessories, batteries, replacement domes and routine servicing are generally outside the hearing aid file.
There is almost always a minimum interval before replacement, and cover differs depending on whether one ear or both are fitted. For a child, conditions are often more favourable than for an adult. Those three points are the ones to have your fund spell out before you order.
The exact make-up of the file varies from one body to another, but the same documents come up everywhere. Gather them in this order: each one conditions the next.
The most common mistake is buying first and assembling the file afterwards. Several schemes require prior approval: a device ordered before approval can fall outside cover entirely, however impeccable the rest of the paperwork.
The order that works: ENT consultation and prescription, then hearing assessment and quote at the centre, then the approval request to your fund, and only then the order. Once the device has been supplied and the invoice receipted, the complete file goes to the scheme.
Allow several weeks between filing and payment, and keep a copy of everything you hand in. If a document turns out to be missing, that copy is what saves you from starting over.
At the centre we issue the detailed quote and the invoice in the expected formats, attach the audiometry report, and point out anything missing before you file. We cannot process your claim in place of your fund, nor guarantee you an amount: the decision and the tariff are theirs.
If you are not sure which scheme you fall under, bring your registration card to the assessment: it is usually enough to identify who to deal with and save you a wasted trip.
What people ask us most.
We do not quote a figure, and be wary of sites that do: the amount depends on your scheme, the reference tariff in force, how many ears are fitted, and your top-up cover. Your fund is the only one that can confirm it, form in hand.
That is risky. Several schemes require prior approval, obtained before the order. Ask your body for the cover form as soon as you have the prescription: it is the document the rest of the file hangs on.
Yes. No hearing aid file goes through without a medical prescription. If you have not seen a doctor yet, start there; the assessment at the centre completes the file, it does not replace that step.
Law 54.23, published in February 2026, transfers management of public-sector AMO to CNSS, taking effect twelve months after publication. In practice, deal with whichever body manages your scheme at the time you file, and confirm the address: during a transition that is the first thing to move.
Routine servicing and consumables are generally outside the hearing aid file. Some top-up policies do cover them: that is a question for your mutual society.
