Moroccan social security: your rights explained
Care reimbursement, employment certificate, CNSS contributions, AMO Achamil generalization: the clear 2026 guide to understand your rights.
Moroccan social security in figures
95%
2025 health coverage
22 M
Moroccans covered by AMO Achamil
11 M
CNSS salaried insureds + dependents
21 days
2026 average reimbursement time
Guides and procedures
CNSS and AMO procedures are now 100% online via MACNSS. Our trilingual guides help you navigate 2026 procedures.
CNSS Reimbursement 2026 — process, AMO rates and form 314-1-04
Form 314-1-04, medical file, AMO caps, CNSS deadlines: everything to get your reimbursement online or in agency.
Read guideCNSS Certificate Online 2026 — MACNSS Download in 2 Minutes
Employment, affiliation, annual salary certificates: download them in 2 minutes on the CNSS portal since 2024.
Read guideAMO Achamil: universal health coverage 2026 in Morocco
22 million Moroccans targeted by the AMO Achamil scheme. Who qualifies, how much it costs, what it covers.
Read guideAMO Tadamon: check your eligibility and RSU score (2026)
AMO Tadamon is not requested, it is calculated. Your eligibility depends on a score assigned by the Unified Social Registry. Here is how to check it and what to do if it excludes you.
Read guideMorocco CNSS Contributions 2026 — Employer 21.09% & Employee 6.74% Rates Explained (Free Calculator)
Complete 2026 CNSS contribution table, employer and employee share, with numerical examples to understand your pay slip.
Read guide2026 CNSS IPE: Job Loss Indemnity in Morocco
IPE protects Moroccan salaried workers in case of dismissal. 70% of last salary for 6 months under conditions. 2026 complete guide.
Read guide2026 Moroccan CMR: civil servant retirement, calculation, procedure
CMR manages retirement for 850,000 Moroccan civil servants. Age 63 after reform, liquidation, Atakmili complementary: 2026 guide.
Read guide2026 AMO for employers: Morocco affiliation, contributions, obligations
Every Moroccan employer must affiliate workers to AMO within 7 days. 6.37% rate, Damancom digitalization, enhanced controls.
Read guide2026 CNOPS: Moroccan civil servant AMO, mutuals, and reimbursement
CNOPS covers 3.2 million civil servants and dependents via 8 sectoral mutuals. mycnops.ma portal, 70-100% rates, ALD: 2026 guide.
Read guideCNSS Retirement Calculation Morocco 2026 — Pension, Age & Official Calculator
Over 4 million active CNSS affiliates in 2026 are preparing for retirement. Calculation formula, legal age, liquidation procedure: everything to simulate your future pension.
Read guideCNSS Portal: Logging in to MACNSS and Handling Procedures Online
Three different CNSS services, often confused: MACNSS for your account, TAAWIDATY for benefit claims, Damancom for employers. Knowing which one to open saves you a trip.
Read guideCNSS Auto-Entrepreneur & Self-Employed 2026 — Contribution, AMO, Retirement
Auto-entrepreneurs, liberal professions, merchants: 2.8 million self-employed workers in Morocco in 2026. CNSS-Tadamon expands social protection beyond salaried work. Complete affiliation guide.
Read guideWhy wafir.ma for social security?
Up-to-date information
2026 rates, caps, and forms verified against official CNSS, ANAM, and ACAPS sources.
Paperless procedures
Every MACNSS step explained step by step with screenshots and direct links.
Private supplementary health
Health insurance comparator to complement your basic AMO with superior coverage.
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Frequently Asked Questions About CNSS and AMO
What is the CNSS contribution rate for employees in 2026?
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The total rate is 26.74 % of gross salary: 7.93 % for the employee (CNSS + AMO + AMO Achamil) and 18.81 % for the employer. Capped at MAD 6,000 for the CNSS portion (family allowances, allowances, retirement), uncapped for AMO (4.11 % each).
How do I get a CNSS certificate online in 2026?
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Download the the MACNSS portal (iOS + Android) or log into the www.cnss.ma portal. Section 'Certificates' > select type (employer, allowances, contributions, salary) > instant PDF generation with QR verification code. Free, valid 3 months.
Does AMO Achamil cover non-employees in 2026?
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Yes, since the 2022 generalization (law 09-21), AMO Achamil mandatorily covers: employees (classic CNSS regime), self-employed and liberal professions (Self-Employed CNSS regime), and vulnerable persons (former RAMED transformed). Identical coverage: 70 % consultations + medications + public hospitalization.
How much are CNSS family allowances?
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MAD 300 per month for each of the first three children, so MAD 900, then MAD 100 per month for the fourth, fifth and sixth: MAD 1,200 per month at most. The amount for the 4th to 6th child rose from MAD 36 to MAD 100 under decree no. 2.23.715, adopted on 23 October 2025. You must earn a monthly salary of at least 60 % of the SMIG or SMAG and show 108 days of contributions over six calendar months.
How do I get reimbursed for a medical consultation by CNSS?
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Submit the file via MACNSS (scanned care sheet + prescription + invoice). 2026 reimbursement time: 21 days on average. Rate: 70 % of the reference tariff (TR) for general practitioner consultations, 90 % for chronic conditions (ALD). Direct transfer to bank account.
What is the legal CNSS retirement age in 2026?
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60 years for men and 55 years for women (option 60). Conditions: minimum 3,240 days of contributions (~13 years) to open pension rights. Formula: 50 % of Revalued Average Annual Salary (SAMR) + 1 % per additional year beyond 3,240 days, capped at 70 % of SAMR.
Need private supplementary health insurance?
Basic AMO covers 70-80% of your care. Private health insurance can cover the co-pay and reimburse fee overcharges.