1. AMO Tadamon: who is eligible? RSU criteria 2026
Eligibility for AMO Tadamon is no longer self-declared as it was under RAMED. Since 2022, the Unified Social Registry (RSU) has determined your status automatically by cross-referencing income, property, household composition and geolocation data. To qualify for Tadamon, the socio-economic score calculated by the National Registry Agency (ANR) must be below the 9.7 threshold.
AMO Tadamon targets poor or economically vulnerable households that no mandatory scheme covers (CNSS for salaried workers, CNOPS for civil servants, AMO Achamil for the self-employed). The central criterion is having no declared professional activity that generates sufficient social contributions. Households qualify if their RSU score, computed from tax, property, water and electricity consumption and family composition data, is below 9.7 points (2026 threshold).
Typical beneficiaries: rural families with no formal activity, undeclared construction day laborers, street vendors, women heads of household, elderly people without a pension, and young people aged 18-25 who are not in work. Former RAMED holders were migrated automatically in December 2022 (3.8 million cards converted) with no action on their part, but 1.2 million RAMED cards were deactivated because the household exceeded the RSU threshold after verification.
Positive criteria (you are probably eligible)
- Household not affiliated with CNSS salaried, CNOPS, AMO Achamil or student regime.
- RSU score < 9.7 (automatically calculated from your registre.ma registration).
- No real estate valued > 400,000 MAD in your name (excluding rural primary residence).
- Average monthly electricity consumption < 200 kWh over 12 rolling months.
- No vehicle under 8 years old with more than 8 fiscal horsepower.
- Declared annual household income < 30,000 MAD (urban) or 24,000 MAD (rural).
Disqualifying criteria (Tadamon denied)
- At least one household member affiliated with CNSS salaried in the last 12 months.
- Declared real estate > 700,000 MAD (urban primary residence included).
- Registered commercial activity (RC) with declared turnover > 80,000 MAD/year.
- New vehicle ownership < 5 years old with Argus value > 150,000 MAD.
- More than 2 international trips declared in 24 months (ONDA data cross-check).
- RSU score ≥ 9.7: automatic routing to AMO Achamil, with a contribution of 144 to 1,164 MAD/month.
2. Tadamon vs Achamil vs salaried base: 2026 comparison table
The three AMO schemes in force in 2026 share the same care basket but differ sharply on contribution, identification method and procedures. Mixing them up is costly: a self-employed worker who thinks they qualify for Tadamon ends up paying Achamil after RSU verification, with 12 months of back-payments.
| Criterion | AMO Tadamon | AMO Achamil | AMO Salaried Base |
|---|---|---|---|
| Target audience | Former RAMED, vulnerable households | Self-employed, liberal professions, farmers | Private sector salaried workers |
| Annual contribution 2026 | 0 MAD (State-funded) | 144 to 1,164 MAD/month (by declared turnover) | 6.37 % of gross salary (3.18 % employee + 3.19 % employer) |
| Identification | Automatic RSU score < 9.7 | Turnover declaration + CNSS Self-employed registration | CNSS affiliation by employer |
| Card delivery time | 7 days after RSU registration | 30 days after first contribution | Immediate upon CNSS affiliation |
| Outpatient (reimbursement rate) | 70 % of TNR | 70 % of TNR | 70 % of TNR |
| Inpatient (reimbursement rate) | 90 % of TNR | 90 % of TNR | 90 % of TNR |
| Outpatient cap/year | 5,000 MAD | 5,000 MAD | No cap |
| Inpatient cap/year | 250,000 MAD | 250,000 MAD | No cap |
| Maternity | Flat fee 1,500 MAD + ALD | Flat fee 1,500 MAD + ALD | Flat fee 2,000 MAD + ALD |
| Chronic conditions (43 ALD) | 100 % within basket | 100 % within basket | 100 % within basket |
| Dental / optical | Not covered | Not covered | Not covered (unless employer-specific) |
| Mobile app | Mon Tadamon (iOS/Android) | Mon Tadamon + Damane | Damane + DAMANE Pro |
Source: Wafir.ma — June 12, 2026
Common mistake to avoid (especially for returning MRE)
When just one spouse becomes a declared CNSS salaried worker, the whole family loses Tadamon status the following month. The salaried spouse moves to basic AMO and must declare dependents (children and spouse) within 30 days, or the children lose coverage. Check your RSU status whenever someone in the family changes jobs. This matters in particular for MRE who take a local job after returning to Morocco.
3. Check your AMO Tadamon eligibility in 3 minutes
CNSS launched the cnss.ma/tadamon portal in March 2024 to check eligibility for former RAMED holders. The official procedure is fully online, with no branch visit. A confirmation SMS is sent within 7 business days to the mobile number registered in RSU.
Step 1: prerequisites before connecting
- A valid national ID card (CIN) at hand.
- A mobile number registered in RSU (check it on registre.ma beforehand).
- A stable internet connection (mobile or wifi; 2 MB/s is enough).
- If you don't have your RSU number: get it at your moqâta'a (commune) or via the USSD code *7777#.
Step 2: connect to the cnss.ma/tadamon portal
Go to the official URL https://www.cnss.ma/tadamon and avoid third-party sites that ask for payment. The portal is available in French and Arabic, so English speakers should use the French version or a translator. Click « Vérifier mon éligibilité » (Check my eligibility).
Enter your CIN (8-10 characters, letter and digits), your RSU number (10 digits starting with 1 or 2) and your date of birth (DD/MM/YYYY), then complete the anti-bot captcha. No password is needed at this stage.
Step 3: instant result and confirmation SMS
The portal immediately shows your RSU status: ELIGIBLE for Tadamon, NOT ELIGIBLE for Tadamon (with referral to Achamil) or TO BE COMPLETED (RSU information missing; a visit to the moqâta'a is required).
If you are eligible, an SMS confirming AMO Tadamon activation is sent within 7 business days to the mobile number registered in RSU, with your CNSS Tadamon registration number (10 digits). Keep this number for reimbursement claims.
Step 4: download the Mon Tadamon app
The Mon Tadamon app is free (App Store and Google Play). Log in with the CNSS Tadamon number received by SMS and the last digit of your CIN. A virtual AMO Achamil card then appears on screen, which you can show at a contracted doctor, pharmacy or laboratory.
The app lets you track reimbursements in real time, see your remaining outpatient and inpatient caps, declare sick leave or a birth, change your address and add dependents (spouse, children).
No SMS after 7 days
Common causes: outdated RSU mobile number (change of operator), incomplete RSU registration (missing address or household composition), or automatic rejection by RSU (score > 9.7). Visit your moqâta'a with your CIN, family booklet and a water or electricity bill less than 3 months old to update your RSU file. The automatic recalculation takes 15 days.
4. What does AMO Tadamon reimburse in 2026? Rates and caps
Tadamon covers the same care basket as basic CNSS AMO for salaried workers, but with two strict annual caps per beneficiary. Above them, you pay 100 % of the cost. Knowing these rates and caps helps you anticipate uncovered health costs, especially if you are a returning MRE used to French or European universal coverage.
Outpatient: 70 % of National Reference Tariff
GP consultation: TNR 80 MAD, reimbursement 56 MAD (70 %). If the doctor charges 250 MAD (a common free-market price in Casablanca and Rabat), you pay 250 - 56 = 194 MAD in cash. The moderating ticket is the gap between the billed price and the TNR.
Specialist consultation: TNR 150 MAD, reimbursement 105 MAD. Medications in the reimbursable basket (1,350 references): 70 % of the Morocco Public Price (PPM). Off-basket drugs (innovative drugs, new molecules): no reimbursement.
Lab tests: 70 % of the CNOPS nomenclature (updated 2024). Standard imaging: 70 % of TNR. MRI and CT scan: 70 % of the contracted flat fee (1,200 MAD for an MRI, 800 MAD for a CT scan). Annual outpatient cap: 5,000 MAD reimbursed per beneficiary per year.
Inpatient: 90 % of conventional flat fee
Hospitalization in a public CHU/CHR: 90 % of the flat fee. You pay about 10 %, plus any private room supplement. In a contracted private clinic, the reimbursement is also 90 % of the contracted flat fee, but nothing the clinic bills above it is reimbursed.
Surgery: 90 % of the procedure tariff (Moroccan CCAM). Example: gallbladder removal with an 18,000 MAD flat fee is reimbursed 16,200 MAD. If the clinic bills 35,000 MAD (frequent in Casablanca), you pay the remaining 18,800 MAD yourself.
Maternity: a global flat fee of 1,500 MAD covered at 100 % for a vaginal delivery, or 2,800 MAD for a C-section; anything above is yours to pay. Annual inpatient cap: 250,000 MAD reimbursed per beneficiary per year.
ALD: 43 chronic conditions covered at 100 %
Recognized chronic conditions (ALD): diabetes, hypertension, cancers, chronic kidney failure, HIV, hepatitis B and C, multiple sclerosis, Alzheimer's, schizophrenia, severe asthma, rheumatoid arthritis, severe cardiovascular diseases, etc. ANAM set the full list of 43 ALD in 2024.
Coverage: 100 % of TNR (no moderating ticket) for procedures related to the recognized ALD, after prior approval from ANAM (ALD form filed by the attending physician, validation within 15 days). The 250,000 MAD/year inpatient cap also applies to ALD.
2026 caps apply per beneficiary
The 5,000 MAD/year outpatient and 250,000 MAD/year inpatient caps apply per beneficiary. A family of 5 therefore has 25,000 MAD outpatient and 1,250,000 MAD inpatient available in total, but each member is capped individually. Track them in real time in Mon Tadamon > « Remaining caps ».
5. What AMO Tadamon does not cover (8 gaps)
These 8 expense categories turn 'free' coverage into an annual cost that can exceed 12,000 MAD per household. They are what to look at when deciding on complementary health insurance, especially for MRE returning from countries with comprehensive coverage.
Gap 1: off-basket medications (estimate: 35 % of 2026 prescriptions)
The AMO reimbursable basket has 1,350 references. Molecules released since 2022 (especially in oncology and immunotherapy, and GLP-1 diabetes drugs like Ozempic) are not reimbursed. Example: Ozempic at 1,200 MAD/month costs 14,400 MAD/year, entirely out of your pocket.
Generics that are not listed in the basket are not reimbursed either. Ask your doctor to write « basket AMO » on every prescription.
Gap 2: dental (except emergency extraction)
Scaling, cavity treatment, root canal, crown, implant, orthodontics: Tadamon reimburses none of these. Average cost for a 4-person Moroccan family: 4,800 MAD/year (1,200 MAD per person).
The only exception is an emergency tooth extraction (with a hospital certificate), reimbursed up to 200 MAD per procedure.
Gap 3: optical (lenses and frames)
Prescription glasses, contact lenses and laser eye surgery are not reimbursed. Renewing glasses costs on average 1,800 MAD every 2 years for an adult and 1,200 MAD a year for a child, because children grow.
A family with 2 short-sighted parents and 2 children who wear glasses spends 3,600 MAD/year with no coverage at all.
Gap 4: fee overruns in private clinics
AMO reimburses on the basis of the TNR, the official tariff. In private clinics in Casablanca and Rabat, doctors charge 200 to 400 % above it. Example: a C-section billed 25,000 MAD in a clinic is reimbursed 2,520 MAD (90 % of the 2,800 MAD flat fee), leaving 22,480 MAD to pay.
Gap 5: private hospital room
The AMO flat fee covers a shared room (2-4 beds). The private room supplement, 400 to 1,200 MAD per night depending on the clinic, is not reimbursed by Tadamon: a 5-day stay in a single room means 4,000 to 6,000 MAD uncovered.
Gap 6: alternative medicine and preventive care
Physiotherapy beyond the AMO protocol (10 sessions/year), osteopathy, acupuncture, clinical psychology, dietitian visits and annual preventive check-ups: Tadamon reimburses none of these.
Gap 7: care abroad
AMO Tadamon covers no care received outside Morocco, even in an emergency medical evacuation. There is no agreement with French or European social security for Tadamon beneficiaries, unlike CNSS salaried workers, who have a partial France-Morocco agreement. Returning MRE who still travel abroad need to plan for this.
Gap 8: thermal cures and equipment over 3,000 MAD
Thermal cures are not reimbursed. Hearing aids are reimbursed up to 3,000 MAD per ear every 4 years, while a device actually costs 12,000 to 20,000 MAD. Electric wheelchairs are not covered (manual wheelchair: 1,200 MAD flat fee).
Average out-of-pocket for a Tadamon household in 2026
According to a 2025 ANAM survey, a 4-person Tadamon household pays on average 7,200 MAD/year out of pocket for routine care (excluding major hospitalization): 2,800 MAD for off-basket medications, 2,400 MAD for dental and optical care and 2,000 MAD in fee overruns. Complementary insurance from 89 MAD/month (1,068 MAD/year) covers 60 to 80 % of this amount, an average return of 4 to 5 times the contribution.
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6. AMO Tadamon renewal: automatic or manual?
RAMED required a renewal every three years at the commune, with a full file. AMO Tadamon renews automatically every year based on RSU updates. Even so, 18 % of beneficiaries lose their status each year, often because their information was not updated.
Automatic renewal (standard case: 82 % of beneficiaries)
On 1 July each year, the National Registry Agency (ANR) automatically recalculates the RSU score of every Tadamon beneficiary by cross-referencing data from the DGI (income), ANCFCC (property), ONEE (water and electricity consumption), CNSS (contributions) and Bank Al-Maghrib (bank accounts).
If the score stays below 9.7, Tadamon is renewed automatically for another 12 months with no action needed. A confirmation SMS is sent within 15 days.
Mandatory manual renewal (18 % of cases)
You need to act if you changed address without declaring it in RSU, had a child who is not yet registered, lost a household member, married or divorced, recently lost a salaried job (you may switch between Tadamon and Achamil in either direction) or declared a new self-employed activity.
Visit the moqâta'a with your CIN, family booklet, a water or electricity bill less than 3 months old and, depending on the case, the marriage, birth or death certificate. The RSU update takes effect within 15 days, and your Tadamon entitlement is then recalculated automatically.
Tadamon deactivation: 3 main causes in 2026
- A household member is hired and declared to CNSS (switch to basic salaried AMO within 30 days).
- Purchase of property worth over 700,000 MAD or a new vehicle over 150,000 MAD (ANCFCC and WTM cross-check).
- RSU score above 9.7 after an increase in declared income (switch to Achamil with a contribution of 144-1,164 MAD/month).
7. Special cases: returning MRE, students, retirees
MRE returning home permanently
An MRE returning to Morocco permanently may qualify for Tadamon if they have no declared Moroccan rental income above 30,000 MAD/year, no foreign pension above 36,000 MAD/year, and an RSU score below 9.7. They must register in RSU at the moqâta'a within 60 days of their permanent return, with their consular card and a declaration that they have ceased activity abroad.
An MRE who keeps an activity (auto-entrepreneur in France with residence in Morocco) is not eligible for Tadamon and is routed to Achamil, with a contribution of 144-1,164 MAD/month based on turnover declared in Morocco. Practical advice for returning MRE: settle your French, Spanish or Belgian status before registering in Morocco's RSU, to avoid a Tadamon refusal followed by mandatory Achamil contributions.
Students aged 18-25
Students enrolled at a Moroccan public university or school have AMO Student coverage (a separate scheme, with a 400 MAD/year contribution paid by the institution) and cannot have Tadamon at the same time.
Students at private schools not approved for AMO Students, or on a gap year, can get Tadamon if the parental household's RSU score is below 9.7 (covered as a dependent until 21, or until 26 if enrolled in higher education).
Students abroad are not eligible, since they live outside Morocco. They should take out international student health insurance.
Retirees with no pension or small pension
A CNSS retiree with a pension below 1,800 MAD/month (2026 threshold) automatically stays on basic AMO for salaried retirees and does not switch to Tadamon. A 4.52 % contribution is withheld from the pension at source.
Elderly people with no pension at all (a parent who stayed at home, or an undeclared day laborer who reached 60 without enough contributions) qualify for Tadamon if the household's RSU score is below 9.7. They account for 1.4 million Tadamon beneficiaries, 13 % of the total at the end of 2025.
8. Law 54-23: transfer from CNOPS to CNSS on 1 February 2027
Published in the Official Gazette on 19 October 2023, Law 54-23 transfers management of public-sector AMO (previously handled by CNOPS for civil servants) to CNSS, effective 1 February 2027. Mixed households with a civil servant and a Tadamon beneficiary are directly affected.
From 1 February 2027, CNSS becomes the only body managing AMO for all schemes: private-sector employees, Tadamon, Achamil for the self-employed, and now civil servants (formerly CNOPS). The government aims for a uniform care basket, pooled risks and faster reimbursements (10 days targeted, against 45 days at CNOPS today).
In mixed households (one spouse a civil servant, the other a Tadamon beneficiary), dependents currently follow the contributing spouse's scheme. After 1 February 2027, they will be attached automatically to the unified CNSS, with one registration number per beneficiary. Tadamon beneficiaries keep their status: the contribution stays at 0 MAD and the care basket does not change.
What to do in 2026: make sure your CNSS and RSU information is up to date before 1 February 2027, to avoid a temporary gap in coverage during the database migration. The unified cnss.ma portal already handles this check.
2026-2027 timeline to anticipate
September 2026: civil servant pre-registration opens on cnss.ma. December 2026: new unified CNSS numbers are sent out. 1 February 2027: CNOPS switches over to CNSS and CNOPS agencies close permanently. March 2027: new harmonized care basket, possibly adding basic dental and optical care (decree still being decided).
9. Why take complementary health insurance when you have Tadamon?
Complementary health insurance pays for what Tadamon leaves out, so it does not duplicate your cover. From 89 MAD/month for an economy plan, it covers 60 to 80 % of the average Moroccan household's out-of-pocket costs. For returning MRE used to a French mutuelle, Belgian mutualité or Dutch zorgverzekering, it is the closest equivalent in Morocco.
The 2026 numbers: 1,068 MAD in contributions for 5,400 MAD of cover
Economy plan for an adult: 89 MAD/month, or 1,068 MAD/year. It covers dental at 80 % (capped at 3,000 MAD/year), optical at 80 % (capped at 1,500 MAD/year), off-basket medications at 60 % (capped at 2,400 MAD/year) and fee overruns at 50 % (capped at 5,000 MAD/year).
In total, up to 11,900 MAD can be reimbursed for 1,068 MAD in contributions. If you use only 50 % of the caps, you get 5,950 MAD back, 5.5 times your contribution. A family of 4 on the family plan (290 MAD/month) gets up to 25,000 MAD/year of complementary cover.
5 categories covered
- Dental: 80 % for treatments, crowns and implants (the largest out-of-pocket item for Moroccan households).
- Optical: 1,500 MAD/year flat fee for lenses and frames, renewable every 2 years.
- Off-basket AMO medications: 60 to 80 % reimbursed with a prescription.
- Private clinic fee overruns: 50 % of the overrun reimbursed, up to 5,000 MAD/year.
- Alternative medicine: extra physiotherapy, osteopathy and clinical psychology, depending on the plan.
Compare plans on Wafir.ma
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The comparator takes your Tadamon status into account: it shows your real out-of-pocket cost for each category after AMO reimbursement, then what each insurer adds. The recommendation is tailored to you, and English support is available via WhatsApp.
Wafir.ma June 2026 offer
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10. Checklist: 7 actions to take this month
- 1. Check your Tadamon eligibility on cnss.ma/tadamon with your CIN and RSU number (3 minutes).
- 2. Download the Mon Tadamon app (iOS/Android) and activate the virtual AMO Achamil card.
- 3. Update your RSU file at the moqâta'a if you moved, had a child, married or divorced in the last 12 months.
- 4. Check your remaining 2026 cap in Mon Tadamon > « Caps » (outpatient and inpatient).
- 5. List your 3 biggest out-of-pocket categories (dental, optical, off-basket medications).
- 6. Compare 12 complementary health insurance plans on Wafir.ma > Insurance > Health Mutual (instant free quote).
- 7. Put two dates in your calendar, 1 July 2026 (automatic RSU recalculation) and 1 February 2027 (switch from CNOPS to the unified CNSS), and check your information is up to date before then.
11. AMO Tadamon 2026 FAQ
Q.How many beneficiaries does AMO Tadamon cover in Morocco in 2026?
Q.How much does AMO Tadamon cost per year for a beneficiary?
Q.How do I check my AMO Tadamon eligibility with my national ID (CIN)?
Q.What's the difference between AMO Tadamon and AMO Achamil?
Q.What exactly does AMO Tadamon reimburse?
Q.What is not covered by AMO Tadamon?
Q.Is Mon Tadamon accepted in private clinics?
Q.How do I renew my AMO Tadamon?
Q.Can a Moroccan returning home permanently (MRE) benefit from Tadamon?
Q.Should I take complementary health insurance when I have AMO Tadamon?
Fill AMO Tadamon gaps with complementary health insurance
Compare 12 health insurance plans compatible with AMO Tadamon for free. Dental, optical, off-basket medications and fee overruns: complementary cover from 89 MAD/month. Instant quote, online subscription, cover starting within 7 days. English support available.
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