Under the Supervision of CNSS, Morocco Takes a Major Step Towards Universal Health Coverage

Here’s the translated article:

Strengthening Social Protection in Morocco: A Vision for Universal Healthcare

Thanks to the insightful vision of His Majesty King Mohammed VI, Morocco is enhancing its social system through a large-scale national project aimed at universalizing social protection and ensuring equitable access to quality healthcare for all citizens.

Today, the Mandatory Health Insurance (AMO) system covers all segments of the Moroccan population, marking a historic transformation of the country’s healthcare and social landscape, under the direct supervision of the National Social Security Fund (CNSS).

A Structural Reform for the Citizens

Since the launch of this royal initiative in 2021, the number of beneficiaries has seen a remarkable increase, soaring from 8 million to over 24 million Moroccans. This growth reflects the success of national mobilization and the effectiveness of institutional management of this significant reform.

An Inclusive and Comprehensive System for All

The new framework is built on four complementary schemes, covering all socio-professional categories with a unified goal and diverse mechanisms:

Employee Scheme
This scheme pertains to private sector employees, retirees, and domestic workers. It offers comprehensive coverage that includes medical consultations, hospitalizations, surgical procedures, diagnostic tests, dental care, maternity benefits, and medications, with reimbursement rates reaching up to 100% in certain cases. Its funding relies on shared contributions from employers and employees at a total rate of 6.37%.

Self-Employed Workers Scheme (TNS)
Designed for artisans, merchants, farmers, and freelancers. More than 3.5 million individuals now enjoy the same rights as employees after three months of contributions based on a fixed income tailored to their activities.

AMO Tadamon Scheme
As a successor to the RAMED program, this initiative covers low-income households, fully funded by the state. By the end of 2024, approximately 4 million families (11 million individuals) will be covered, with a budget of around 15 billion dirhams. Beneficiaries can access free services in the public sector and are eligible for reimbursement when using private healthcare, marking a significant advancement over the previous system.

AMO Achamil Scheme
Launched in January 2024, this scheme targets inactive yet financially solvent individuals. Contributions range from 144 to 1,164 dirhams per month, depending on income, granting access to the same range of healthcare services. In less than a year, 300,000 people have already enrolled, further advancing toward universal coverage.

Quality of Services and Equal Access

The CNSS ensures that all insured individuals receive a comprehensive package of care, from diagnosis to treatment. It also maintains temporary coverage rights in cases of job loss, divorce, or the death of the principal insured individual, in line with principles of solidarity and social continuity.

Digital Transformation and Enhanced Service Accessibility

In a bid to modernize and simplify administrative processes, the CNSS has initiated a digital revolution.
Ninety-three percent of reimbursements are now processed electronically. Over 3,000 local service points facilitate access across the country. The upcoming launch of an electronic claims system, scheduled for 2026, promises to reduce processing times, simplify procedures, and enhance transparency.

An Integrated National Vision for Social Protection

This reform is part of a comprehensive strategy that also encompasses family allowances, pensions for the self-employed, and unemployment benefits. With a budget exceeding 39 billion dirhams in 2025, Morocco places social justice and citizen dignity at the core of its development model, reaffirming its commitment to a more equitable and cohesive society.

Henceforth, healthcare is recognized as a right for all Moroccans, symbolizing a modern, equitable Morocco united around the values of solidarity and dignity.

This translation retains the original essence and tone while ensuring it’s crafted in a natural, engaging style suitable for English-speaking audiences.