GlossaryInsurance
AMO — Mandatory Health Insurance
Short definition
Mandatory social security regime covering healthcare for employees and self-employed in Morocco.
Detailed definition
AMO is Moroccan mandatory health insurance regime. Managed by CNSS (private employees, self-employed since 2022) and CNOPS (public servants). Covers 70-80% of health expenses: consultations, medications, tests, hospitalization. 6.37% salary contribution (half employer, half employee). Progressive generalization to entire population by 2026-2030.
Concrete example
General practitioner consultation 200 MAD: AMO reimburses 80% = 160 MAD. Remaining charge 40 MAD (or 0 with complementary mutual).
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