AMO Achamil: universal health coverage 2026 in Morocco

AMO Achamil has two main components. AMO Achamil Non-Salaried: covers 11 million people working as self-employed (doctors, lawyers, notaries, architects, accountants, registered merchants, registered craftsmen, farmers, transporters). Monthly contribution set by professional category, from 275 MAD (small craftsman) to 1,200 MAD (contracted doctor), at a flat rate of about 6.37% of capped annual income. AMO Achamil Tadamon: takes over from the former RAMED for low-income people (11 million identified via the Unified Social Registry RSU). Symbolic 0-50 MAD contribution for beneficiaries targeted by social targeting, with the State paying the rest. Both components grant access to the same basic AMO (standard CNSS reimbursement rates).

For a non-salaried self-employed: log in to www.cnss.ma/tadamon with your national ID or tax ID (IF) if a liberal profession or registered merchant. Enter your profession (ANAM-predefined scale), IBAN, and address. First payment is required within 30 days of affiliation. Virtual AMO Achamil card is available in your Mon Tadamon account upon validation (typically within 7 days). For a Tadamon (RSU) beneficiary: no proactive action needed; RSU automatically identifies eligible households based on Direction Générale des Impôts, CNSS, and social services data. If eligible, you receive an SMS with credentials. If you think you are eligible but haven't received anything, visit your moqaddem or local INDH office to check.