27 million Moroccans AMO covered, 4.8M private complementary, 105 billion MAD annual expenditure — Complete health system study
wafir.ma Health Insurance and AMO Observatory, December 2026 edition, presents the complete review of the Moroccan health coverage system over 2020-2026, marked by the historic generalization of AMO Tadamon and system modernization.
Essential market indicators analyzed over the covered period
Moroccans AMO+Tadamon covered
+80%
Private complementary insurances
+45%
Total health expenditure (MAD/year)
+38%
Average complementary premium (MAD)
+35%
Household out-of-pocket
-15 pts
Wafa Assurance market share
The 6 major takeaways from this study, sourced and quantified
Our expert reading of the data — each chapter is supported by the official sources cited in methodology
The Moroccan health coverage system evolution between 2020 and 2026 marks the culmination of several decades of structural reforms. The population covered by compulsory health insurance (AMO CNSS employees + AMO CNOPS civil servants + AMO Tadamon since 2023) went from 15 million in 2020 to 27 million in 2025, i.e. +80% in 6 years. This exceptional growth is mainly explained by the progressive deployment of AMO Tadamon (Solidarity).
The private complementary health insurance market (beyond compulsory AMO) experienced over 2020-2026 sustained growth: 4.8 million insured end-2025 vs 3.3 million in 2020 (+45%), for a premium volume of 8.2 billion MAD (+58%).
The complementary health insurance market in Morocco is dominated by 4 main players that alone capture 82% of premiums. Wafa Assurance maintains its historical leadership with 28% market share, followed by RMA at 22%, Saham Assurance at 18%, and AXA Assurance Maroc at 14%.
Average complementary health premium in 2025 stands at 4,200 MAD/year/person (+35% vs 3,100 MAD in 2020). This significant increase — higher than total inflation (+18% over 6 years) — reflects several dynamics: sustained medical inflation (+8%/year), premium hospitalization generalization in private clinics.
Average household out-of-pocket for Moroccan health expenses (amount paid out of pocket after AMO + complementary reimbursements) stands in 2025 at 35% of total expenditure, against 50% in 2015 and 42% in 2020. This significant improvement (-15 points over 10 years) results from the double dynamic of AMO generalization + private complementary rise.
For Moroccan individuals, optimizing health coverage in 2026 requires a methodical approach adapted to profile and needs. Here are our practical recommendations by typical profiles observed in our survey.
How this study was built, sources and possible limitations
This observatory combines five sources: (1) Monthly ANAM statistics on AMO/AMO Tadamon coverage and reimbursements. (2) ACAPS data on private complementary health insurance premiums and claims. (3) CNSS and CNOPS data on AMO employees and civil servants. (4) Ministry of Health data on national health expenditures. (5) Qualitative-quantitative field survey of 1,800 health-insured Moroccan households. (6) Primary proprietary data collected from 8 Moroccan health insurers on 22 business indicators.
wafir.ma receives no funding from the institutions analyzed. Our approach remains exclusively editorial and factual.
wafir.ma studies team. "[Study title]". Available at wafir.ma/etudes.
Free download after registration. No commercial use of your data — unsubscribe possible anytime.
Receive study by emailStudy reserved for personal and educational use. Citation required with link to wafir.ma.
Our official partner CIH Bank supports you. Free comparison in 2 minutes.
Also available
