AMO Achamil: universal health coverage 2026 in Morocco

AMO Achamil has two parts. AMO Achamil Non-Salaried covers 11 million self-employed people: doctors, lawyers, notaries, architects, accountants, registered merchants, registered craftsmen, farmers and transporters. The monthly contribution depends on 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 replaces the former RAMED for low-income people (11 million identified through the Unified Social Registry, RSU). Beneficiaries selected by social targeting pay a symbolic 0-50 MAD and the State pays the rest. Both parts give access to the same basic AMO, at standard CNSS reimbursement rates.

If you are self-employed, log in to macnss.ma with your national ID, or with your tax ID (IF) if you practise a liberal profession or are a registered merchant. Enter your profession (from the ANAM-predefined scale), your IBAN and your address. The first payment is due within 30 days of affiliation. Once your file is validated (typically within 7 days), the virtual AMO Achamil card appears in your Mon Tadamon account. Tadamon (RSU) beneficiaries have nothing to do: the RSU automatically identifies eligible households from Direction Générale des Impôts, CNSS and social services data, and eligible households receive their credentials by SMS. If you think you are eligible but have received nothing, check with your moqaddem or the local INDH office.