Peut-on cumuler sa retraite francaise et marocaine ?

Oui, grace aux conventions bilaterales de securite sociale. Les periodes de cotisation en France et au Maroc sont totalisees pour le calcul des droits. Chaque pays verse sa part proportionnelle.

Comment obtenir sa couverture medicale AMO au Maroc en tant que retraite MRE ?

Inscrivez-vous a la CNSS si vous avez cotise au Maroc, ou a l'AMO des pensionnes. Si votre retraite est uniquement etrangere, vous pouvez souscrire a l'AMO volontaire ou a une assurance privee.

Ma pension française sera-t-elle imposée au Maroc ?

Selon la convention fiscale franco-marocaine, les pensions de retraite privées sont imposées dans le pays de résidence (donc au Maroc si vous y vivez). Les pensions publiques restent imposées en France. Consultez un fiscaliste pour votre cas précis.

Retirement in Morocco for MREs: CNSS, Pension and Medical Coverage

Retirement in Morocco for MREs: CNSS, Foreign Pension, Medical Coverage

Contributing to a pension in France or Belgium and considering returning to Morocco? Aggregation of rights, AMO coverage, pension paid in Morocco: everything you need to know.

Last updated: March 2026 · Written and verified by the LesMRE editorial team

🕐 7 min read📋 0 steps✅ Verified content 2026

❓ Frequently asked questions

Can one combine French and Moroccan pensions?＋

Yes, thanks to bilateral social security agreements. Contribution periods in France and Morocco are totalled for the calculation of entitlements. Each country pays its proportional share.

How can I obtain AMO medical coverage in Morocco as an MRE pensioner?＋

Register with CNSS if you have contributed in Morocco, or with AMO for pensioners. If your pension is solely from abroad, you can subscribe to voluntary AMO or private insurance.

Will my French pension be taxed in Morocco?＋

Under the Franco-Moroccan tax treaty, private retirement pensions are taxed in the country of residence (therefore in Morocco if you live there). Public pensions remain taxed in France. Consult a tax specialist for your specific case.

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