Moroccan social security: your rights explained
Care reimbursement, employment certificate, CNSS contributions, AMO Achamil generalization: the clear 2026 guide to understand your rights.
Moroccan social security in figures
95%
2025 health coverage
22 M
Moroccans covered by AMO Achamil
11 M
CNSS salaried insureds + dependents
21 days
2026 average reimbursement time
Guides and procedures
CNSS and AMO procedures are now 100% online via Mon DAMANE. Our trilingual guides help you navigate 2026 procedures.
CNSS: how to request a care reimbursement in 2026
Form 314-1-04, medical file, AMO caps, CNSS deadlines: everything to get your reimbursement online or in agency.
Read guideCNSS certificate online 2026: employment, affiliation, salary
Employment, affiliation, annual salary certificates: download them in 2 minutes on the CNSS portal since 2024.
Read guideAMO Achamil: universal health coverage 2026 in Morocco
22 million Moroccans targeted by the AMO Achamil scheme. Who qualifies, how much it costs, what it covers.
Read guide2026 CNSS contributions: rates, caps, employer-employee calculation
Complete 2026 CNSS contribution table, employer and employee share, with numerical examples to understand your pay slip.
Read guide2026 CNSS IPE: Job Loss Indemnity in Morocco
IPE protects Moroccan salaried workers in case of dismissal. 70% of last salary for 6 months under conditions. 2026 complete guide.
Read guide2026 Moroccan CMR: civil servant retirement, calculation, procedure
CMR manages retirement for 850,000 Moroccan civil servants. Age 63 after reform, liquidation, Atakmili complementary: 2026 guide.
Read guide2026 AMO for employers: Morocco affiliation, contributions, obligations
Every Moroccan employer must affiliate workers to AMO within 7 days. 6.37% rate, Damancom digitalization, enhanced controls.
Read guide2026 CNOPS: Moroccan civil servant AMO, mutuals, and reimbursement
CNOPS covers 3.2 million civil servants and dependents via 8 sectoral mutuals. mycnops.ma portal, 70-100% rates, ALD: 2026 guide.
Read guideWhy wafir.ma for social security?
Up-to-date information
2026 rates, caps, and forms verified against official CNSS, ANAM, and ACAPS sources.
Paperless procedures
Every Mon DAMANE step explained step by step with screenshots and direct links.
Private supplementary health
Health insurance comparator to complement your basic AMO with superior coverage.
100% free and independent
No sponsored articles: we compare neutrally and are not affiliated with any organism.
Need private supplementary health insurance?
Basic AMO covers 70-80% of your care. Private health insurance can cover the co-pay and reimburse fee overcharges.