Individual Accident Insurance in Morocco

What is an Individual Accident Insurance?

The Individual Accident Insurance contract guarantees the payment of a capital sum when the policyholder is the victim of an accident resulting in death, absolute and definitive disability, or permanent disability.

This coverage may be extended, subject to express stipulation, to cover medical, pharmaceutical, and hospitalization expenses, as well as the cost of dental prostheses and eyewear incurred as a result of a covered accident.

What does the Authority do

In the event of a claim, the Insurer must be notified within the time limit and in accordance with the terms of the contract.
The payment of benefits shall be made within the period stipulated in the contract.

In the event of death following a covered accident, the insured capital is paid to the beneficiary or beneficiaries designated in the contract. If no beneficiary is designated or available, the capital becomes part of the policyholder’s inheritance.
In the event of absolute and definitive disability, the guaranteed capital is paid to the policyholder.
If permanent disability coverage is included in the policy, the Insurer guarantees the payment of a sum corresponding to the capital amount fixed in the contract’s special conditions, multiplied by the Permanent Physical Disability (PPD) rate.

The PPD rate is determined according to the method specified in the contract, either:

In accordance with Decree No. 2-84-744 on the functional scale of disabilities, particularly applied in the compensation of traffic accident victims.
Based on the contractual scale attached to the policy.

For extended coverage, the Insurer guarantees, within the limits set in the contract, the reimbursement of expenses incurred.

Types of Insurance Individual Accident Insurance

Individual Accident Insurance is a personal insurance contract that may be subscribed to individually or as part of a group insurance policy. It is distinct from work accident insurance, which specifically covers professional risks.

Rights and Obligations of the policyholder

We invite you to refer to the "Insurance Guide" published on the ACAPS portal.

What does the Authority do ?

Within the framework of the powers vested in it by Law No. 64-12 establishing the Insurance and Social Security Supervisory Authority (ACAPS), the latter institution ensures that any and all insurance products offered to consumers are understandable, balanced, useful and that they comply with the regulations in force.

It also shall monitor the reliability of the information provided to policyholders and ensure the fair treatment of policyholders by Insurers.

Legal/Judicial Remedies in Case of Dispute with Your Insurer

Under Article 7 of Law No. 64-12, ACAPS is authorized to investigate complaints from policyholders regarding insurance companies and intermediaries (brokers).
However, it is recommended to first contact the broker or insurer concerned. If the dispute persists, the policyholder may submit a complaint to ACAPS through the available channels. The Authority will then examine the case and take appropriate action in accordance with the applicable legal and regulatory provisions.