CNSS and AMO in Morocco: understanding your health reimbursements

CNSS, CNOPS, AMO: Morocco's health reimbursement system is easy to get lost in. This practical guide explains how each scheme works, which coverage rates apply, how to check your entitlements online at damancom.ma, and how a supplemental mutuelle tops up your reimbursements.

CNSS vs. CNOPS: what's the difference?

Feature	CNSS	CNOPS
Who it covers	Private sector employees	Civil servants & public employees
Health scheme	AMO CNSS	AMO CNOPS
Online portal	damancom.ma	cnops.gov.ma
Base coverage rate	70% of tariff reference	70–80% of tariff reference

AMO (Assurance Maladie Obligatoire) is the general name for mandatory health insurance in Morocco. Both CNSS and CNOPS run AMO schemes, under the supervision of the Caisse Nationale des Organismes de Prévoyance Sociale (CNOPS) for the public sector and of CNSS for the private sector.

AMO coverage rates

Type of care	AMO coverage	Your remaining share
GP consultation	70%	30%
Specialist consultation	70%	30%
Hospitalisation	90%	10%
Surgery	90%	10%
Radiology / Imaging	70%	30%
Medication (listed)	70%	30%

* Coverage is calculated on the AMO reference tariff, which may be lower than what private clinics actually charge. You pay the whole gap between the tariff and the actual fee.

Check your rights on damancom.ma

CNSS subscribers can check their AMO entitlements and reimbursement history on damancom.ma:

1.Go to damancom.ma and create an account using your CNSS number
2.Check your affiliation status: you should appear as active, with contributions paid by your employer
3.View the family members registered as your beneficiaries (ayants droit)
4.Track pending and processed reimbursement requests
5.Download your reimbursement history for the past 2 years

Step-by-step reimbursement process

1.Keep all receipts: original invoice, prescription, and medical certificate
2.Complete Form 101 (available at CNSS offices or on damancom.ma)
3.Submit within 60 days of the medical expense; claims submitted later are rejected
4.Submit online or at a CNSS branch; online submission via damancom.ma is faster
5.Receive payment by transfer to your bank account, typically 15–30 days after submission

Supplemental health insurance (mutuelle)

A supplemental mutuelle covers the 30% co-payment left by AMO and the medical fees charged above the AMO reference tariff. With a mutuelle, your effective coverage can reach 90–100% of actual costs.

Wafir tip

You can compare supplemental mutuelle plans on our health insurance page. Monthly premiums range from 150 MAD (basic cover) to 800 MAD (full family plan), and most families find a good balance at 300–450 MAD/month.

Covered vs. not covered by AMO

Covered by AMO

✓ GP and specialist consultations
✓ Hospitalisation and surgery
✓ Lab tests and radiology
✓ Listed medications
✓ Maternity and childbirth

Not covered by AMO

✗ Dental care (except emergencies)
✗ Optical (glasses, lenses)
✗ Cosmetic procedures
✗ Non-listed medications
✗ Medical fees above the reference tariff

Frequently asked questions

Can I add my spouse and children to my CNSS coverage?

Yes. Your spouse (if not insured in their own right) and dependent children under 21 (or 26 if studying) can be registered as beneficiaries (ayants droit) on your CNSS account, via damancom.ma or at a CNSS branch, with their birth certificates.

What if my employer has not paid CNSS contributions?

If your employer is behind on CNSS contributions, your AMO rights may be suspended. Check your status on damancom.ma and, if contributions are missing, report it to the CNSS inspection service: employers are legally required to pay contributions and can face penalties.

Does CNSS cover care received abroad?

CNSS does not cover routine care received abroad. Emergency treatment received outside Morocco may be partially reimbursed on the basis of Moroccan tariff references, which are typically much lower than international prices. For cover while travelling, take out a separate travel insurance policy.