Beneficiaries and benefits
- Coverage applies to employees and pensioners in the public and private sectors, their spouses and dependent children (Art. 2 et seq.).
- AMO covers preventive and curative care, hospitalisation, medicines, laboratory tests and medical devices, according to a basket of care and set reimbursement rates.
- Non-salaried workers have been progressively enrolled since 2021.
Employer's obligations
- The employer registers its employees, withholds the employee share and pays the contributions to the managing body.
- Failure to register deprives the employee of coverage and renders the employer liable for the costs incurred.
- Disputes relating to contributions and benefits fall within the jurisdiction of the competent courts, depending on the nature of the dispute.
Key articles
Art. 2
« Basic compulsory health insurance is based on the principles and techniques of social insurance for the benefit of persons engaged in a gainful activity, pensioners, former resistance fighters and members of the Liberation Army, and students. »
A lawyer's points to watch
- Check your AMO entitlements regularly on the CNSS portal: a missing salary declaration suspends coverage.
- Reimbursements are subject to deadlines for submitting claims; keep the original invoices and prescriptions.
- Members of the liberal professions and the self-employed must enrol or face penalties.
The English text on this page, including the quoted articles, is an unofficial translation. Information sheet prepared by Maître Lahfaia Law Firm, Rabat. It does not constitute legal advice. Only the text published in the Official Bulletin of the Kingdom of Morocco is authoritative; the articles cited may have been amended since this sheet was written.