2026 CNOPS: Moroccan civil servant AMO, mutuals, and reimbursement

(1) MGPAP — 1.75 M insureds, general civil administration (ministries outside Education, Health, Interior). (2) MGEN — 720,000 insureds, teachers and National Education personnel. (3) OMFAM — 180,000 insureds, Royal Armed Forces officers and NCOs. (4) MMCPM — 145,000 insureds, commune and region personnel. (5) OMSAR — 230,000 insureds, National Security, Civil Protection, Auxiliary Forces, Territorial Administration. (6) MMCSA — 70,000 insureds, senior army officers. (7) FAR (FAR Mutual) — general officers, very specific cases. (8) MCAR — region and collectivity senior staff. Each mutual manages its own reimbursements per the common CNOPS scale, possibly with sectoral benefits (e.g., hospitalization in military hospitals for OMFAM).

The CNOPS system is often considered one of the best in Morocco thanks to widespread third-party payment. The civil servant presents their CNOPS card to doctor, pharmacist, or clinic: the professional immediately deducts the CNOPS share and only bills the co-pay. 2026 rates: general consultation 80% of TNR, specialist 70-80%, brand medications 50%, generics 70%, lab tests 80%, radiology 80%, public hospitalization 100%, contracted private hospitalization 90%, maternity 4,500 MAD lump sum, ALD 100%. Manual reimbursements (outside third-party payment) via mycnops.ma with IBAN payment in 10-20 days.