Health Insurance in Morocco: 25 Million Beneficiaries and 22.6 Billion Dirhams in Reimbursements
The Expansion of Mandatory Health Insurance in Morocco: Progress and Challenges in 2025
The Mandatory Health Insurance (AMO) system in Morocco witnessed significant growth in 2025, marked by an increase in beneficiaries and a notable rise in healthcare reimbursements. This development reflects the ongoing expansion of social protection, while also highlighting new challenges related to 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, an increase of 3% compared to 2024. Concurrently, healthcare benefits amounted to 22.65 billion dirhams, registering an annual growth of 17%.
This progression occurs amidst a continuous broadening of medical coverage and the integration of new demographic groups into the social protection framework, which has simultaneously led to an increase in healthcare and reimbursement expenditures.
Over 4 Million Insured Under the Employee Scheme
Regarding the AMO scheme for employees, the number of primary insured individuals exceeded 4 million in 2025, reflecting a 5% year-on-year increase.
The benefits disbursed under this scheme reached approximately 9.22 billion dirhams, indicating a 12% rise compared to 2024 and confirming increased utilization of benefits and medical coverage.
Among self-employed workers, the number of primary insured individuals stood at about 1.69 million, showing a 4% increase. The benefits paid out amounted to 2.28 billion dirhams, marking a significantly larger increase of 24%.
The Challenge of Financial Balance
Despite the continuous increase in the number of insured and beneficiaries, financial sustainability remains one of the major challenges facing the health insurance system, particularly due to the widening gap between contributions collected and benefits disbursed.
Data from the CNSS indicates that the ratio of benefits to contributions reached 157% in 2025, an increase of 25 percentage points from the previous year. In other words, reimbursements covered by the system have far outstripped the resources generated from contributions.
In this context, improving collection, broadening the contributory base, and strengthening financial management mechanisms are identified as essential levers to ensure the long-term viability of the system.
The "Tadamon" AMO Scheme Counts Nearly 4 Million Beneficiaries
The AMO Tadamon scheme also played a significant role in the medical coverage framework, accounting for 3.95 million beneficiaries in 2025.
Benefits paid under this program reached 8.49 billion dirhams, reflecting a 13% increase compared to 2024.
Meanwhile, the AMO Achamil scheme recorded particularly substantial growth. The number of primary insured individuals rose to 265,551, a remarkable 70% increase within a year, while benefits paid reportedly reached around 1.36 billion dirhams.
These figures highlight the ongoing expansion of medical coverage and the gradual integration of new categories within the social protection system.
CNSS Also Strengthens Its Oversight Activities
The positive trend in medical coverage is mirrored by a rise in the overall activities of the CNSS. The number of declared employees reached 4.24 million in 2025, representing a 4% increase year-on-year.
The declared payroll rose from 222.51 billion to 244.84 billion dirhams, showing an annual growth of 10%.
Additionally, contributions owed amounted to 36.46 billion dirhams, up 9%, while benefits disbursed under the general scheme increased from 29.7 billion to 31.5 billion dirhams.
In the fight against social fraud and to improve declarations and collection, the CNSS intensified its control operations. A total of 10,411 inspection and control missions were carried out in 2025, a 22% increase compared to 2024.
These operations led to the regularization of 151,682 employees, an increase of 24%, and a payroll of 6.6 billion dirhams, which represented a 63% increase.
The recouped amounts reached 5.25 billion dirhams, compared to 4.79 billion in 2024, showing a 10% rise.
Digital Transformation and New Structures
Institutionally, the CNSS board of directors adopted several decisions related to the management of the organization, including the general manager’s management report, the operational expense ceiling of the social security scheme, and various financial and administrative documents.
The council 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 system security are also among the priorities. In this regard, it was decided to create a subsidiary specifically focused on accelerating digital transformation, alongside another company dedicated to managing healthcare facilities under the CNSS umbrella.
An Expanding System Under Pressure
The situation of the health insurance system in 2025 presents a dual reality. On one hand, the number of beneficiaries continues to rise, and the system is progressively incorporating new demographic groups. On the other hand, the rapid growth of medical benefits is placing increasing pressure on its financial resources.
The next phase will therefore need to combine the expansion of medical coverage with a strengthened financial sustainability of the system, notably through improved collection efforts, an enlarged contributor base, a crackdown on fraud, and enhanced utilization of digital tools.
The 2025 figures indicate that the success of the social protection reform is measured not only by the number of people covered but also by the system’s ability to maintain financial balance and the quality of its services as the number of beneficiaries grows.
