Health Insurance in Morocco: 25 Million Beneficiaries and 22.6 Billion Dirhams in Reimbursements

The mandatory health insurance system (AMO) in Morocco saw significant progress in 2025, marked by an increase in the number of beneficiaries and a notable rise in healthcare reimbursements. This development reflects the ongoing expansion of social protection, while also highlighting emerging challenges in financing and the sustainability of the system.

According to data from the National Social Security Fund (CNSS), the number of AMO beneficiaries reached 25.08 million people in 2025, representing a 3% increase compared to 2024. Meanwhile, the total amount of healthcare benefits paid out reached 22.65 billion dirhams, showing an annual growth of 17%.

This progress occurs in the context of a continuous expansion of medical coverage and the integration of new segments of the population into the social protection framework, which simultaneously leads to increased healthcare spending and reimbursements.

Over 4 million insured individuals within the employee scheme

In regard to the AMO scheme for employees, the number of main insured individuals surpassed 4 million people in 2025, showing a 5% increase year-on-year.

The benefits paid under this scheme reached approximately 9.22 billion dirhams, an increase of 12% from 2024, confirming the rise in utilization of benefits and medical coverage.

For self-employed workers, the number of main insured individuals was around 1.69 million, reflecting a 4% increase. However, the benefits received by this group saw a much more substantial rise, reaching 2.28 billion dirhams, marking a significant increase of 24%.

The challenge of financial balance

Despite the continuous growth in the number of insured individuals and beneficiaries, financial sustainability remains one of the principal challenges facing the health insurance system, particularly due to the widening gap between collected contributions and paid benefits.

Data from the CNSS indicates that the ratio of benefits paid to contributions collected reached 157% in 2025, a jump of 25 percentage points compared to the previous year. In other words, reimbursements covered by the system significantly exceeded the resources generated from contributions.

In this context, enhancing collection efforts, broadening the contributor base, and strengthening financial management mechanisms emerge as essential levers to ensure the long-term sustainability of the system.

The AMO “Tadamon” program has nearly 4 million beneficiaries

The AMO Tadamon program has also played a significant role in the medical coverage framework, with 3.95 million beneficiaries in 2025.

Benefits paid under this program amounted to 8.49 billion dirhams, reflecting a 13% increase from 2024.

Meanwhile, the AMO Achamil program showed particularly strong growth. The number of principal insured individuals reached 265,551 people, up 70% over the course of a year, with benefits paid totaling approximately 1.36 billion dirhams.

These figures illustrate the ongoing expansion of medical coverage and the gradual integration of new categories into the social protection system.

The CNSS also strengthens its oversight activities

The dynamic shift in medical coverage has been accompanied by an increase in the overall activity of the CNSS. The number of declared employees reached 4.24 million in 2025, reflecting a 4% increase over the year.

The reported wage bill climbed from 222.51 billion to 244.84 billion dirhams, registering an annual rise of 10%.

At the same time, contributions owed reached 36.46 billion dirhams, up 9%, while benefits paid under the general scheme rose from 29.7 billion to 31.5 billion dirhams.

In efforts to combat social fraud and enhance declarations and collections, the CNSS has intensified its inspection activities. A total of 10,411 inspection and control missions were carried out in 2025, marking a 22% increase compared to 2024.

These operations allowed for the regularization of 151,682 employees, up 24%, and an associated wage bill of 6.6 billion dirhams, a remarkable increase of 63%.

The amounts recovered totaled 5.25 billion dirhams, compared to 4.79 billion in 2024, representing a growth of 10%.

Digital transformation and new structures

Institutionally, the CNSS board of directors adopted several decisions concerning the governance of the organization, including the management report from the general director, the ceiling for operating expenses of the social security regime, and various financial and administrative documents.

The board also approved the action plan and budget for 2026, as the CNSS continues its preparations for new missions related to the expansion of the social protection framework.

Digital transformation and information systems security are also high on the agenda. To this end, it has been decided to create a subsidiary focused on accelerating digital transformation, as well as another company responsible for managing health facilities under the CNSS.

An expanding system, but under pressure

The state of the health insurance system in 2025 presents a dual reality. On one hand, the number of beneficiaries continues to grow, and the system is progressively able to incorporate new segments of the population. On the other hand, the rapid increase in medical benefits exerts increasing pressure on its financial resources.

The next phase must therefore combine the expansion of medical coverage with reinforcing the financial sustainability of the system, notably through improving collections, broadening the contributor base, combating fraud, and increasing the use of digital tools.

The figures from 2025 demonstrate that the success of social protection reform is measured not only by the number of individuals covered but also by the system’s ability to maintain financial balance and service quality as the number of beneficiaries rises.