AMO Dependent Children Age 30 in Morocco 2026: New Limit, Conditions and Procedure (Law 54-23)

Condition 1: Full-time student in a recognized institution

• Effective enrollment in a public (universities, public schools, OFPPT) or private higher education institution recognized by the Ministry of Higher Education
• Full-time program: bachelor's, master's, doctorate, engineering schools, business schools, medicine, dentistry, pharmacy, architecture, law, political science
• Included: students on validated gap year (max 1 year), students in international mobility (Erasmus, bilateral agreements), doctoral candidates up to 30 years old
• Excluded: non-diploma distance training, MOOCs, unsanctioned evening courses, short professional training (< 6 months)

Condition 2: Job seeker registered with ANAPEC

• Active registration with ANAPEC (National Agency for Employment and Skills Promotion) with up-to-date digital registration card
• Renewal of registration every 6 months (mandatory in-person at ANAPEC office or via anapec.org)
• No declared activity income to the DGI in the current fiscal year (automatic verification by DGI/CNSS/ANAPEC cross-check)
• Included: young people on unpaid internships, young people on ANAPEC integration contracts (Idmaj program), beneficiaries of the Awrach program

Condition 3: Young person without declared professional activity

• No salaried, self-employed or commercial activity declared to CNSS, DGI or the Commercial Registry
• Certificate of non-taxation issued by DGI for the previous fiscal year (annual income = 0 MAD or below the exempt threshold of 30,000 MAD)
• No registration in the RSU as an active beneficiary of another incompatible benefit (AMO Tadamon in own name, for example)
• Typical cases: young women awaiting marriage (rural areas), young men awaiting military service, young people in long convalescence, unpaid family caregivers

Documents common to all statuses (always to be attached)

• Child's national ID card (original + copy)
• Insured parent's national ID card (original + copy)
• Birth certificate or family record book mentioning filiation
• Parent's AMO affiliation certificate (CNSS or former CNOPS transferred to CNSS) issued by HR or downloadable from cnss.ma
• Insured parent's RIB for any care reimbursements (if child has no own account)
• Recent ID photo of dependent child (CIN format)

Step 1 — File preparation (before connection)

• Scan all required documents in PDF format (max 2 MB per file)
• Verify the insured parent is up to date with CNSS contributions
• Create a tax.gov.ma account if not already done (free registration with national ID + Moroccan phone number)
• Retrieve the parent's AMO registration number (appears on the CNSS card or pay slip under «N° AMO»)

Step 2 — Connection and entry on tax.gov.ma/AMO

Log in to tax.gov.ma with personal credentials (national ID + password + OTP code by SMS). Click on the «AMO — Dependent child extension 26-30» section in the «My social procedures» menu. Enter: parent's AMO registration number, young beneficiary's national ID, status invoked (student / ANAPEC / no activity / disability / PhD). Upload corresponding PDF supporting documents. Electronically sign the sworn statement via the Maroc-ID module.

Step 3 — Automatic verification (24-72 hours)

• Student: interconnection with the MESRSI database (Ministry of Higher Education) to verify enrollment in current academic year — response within 24h
• ANAPEC: interconnection with anapec.org to verify active registration card — response within 24h
• No activity: DGI + CNSS + Commercial Registry cross-check to confirm absence of declared activity — response within 72h
• Disability: no automatic verification, file directed to CNSS medical commission (15-day delay)
• In case of missing document or discrepancy, notification by SMS + email with request for completion within 7 days

Step 4 — Confirmation and right activation

Once verification is favorable, the young person receives by email and SMS their 26-30 AMO extension certificate (electronically signed PDF, valid 12 months or 6 months depending on status). The new digital AMO card is automatically updated with mention «Extended dependent under law 54-23». The right to care reimbursements (consultations, pharmacy, hospitalization, tests) is activated immediately, without retroactivity — care performed before confirmation is not covered.

Step 5 — Cases requiring CNSS branch visit

• «Young person without activity» status with sworn statement (mandatory physical verification)
• Disability (appearance before CNSS medical commission)
• PhD student > 26 whose enrollment is not yet integrated in MESRSI database
• Reintegration after period outside AMO (e.g.: child who switched to AMO Achamil self-employed then ceased activity)
• Mixed family (one CNSS salaried parent + one former CNOPS civil servant parent during transfer)

Disability: no age limit (law 54-23 article 8)

Article 8 of law 54-23 takes up and strengthens a provision already present in decree 2-05-733: dependent children with disability recognized by the Ministry of Solidarity, Social Inclusion and the Family benefit from the insured parent's AMO coverage WITHOUT AGE LIMIT. No switch at 26, no switch at 30, no switch at 40. The right is maintained for life as long as the insured parent is themselves affiliated with AMO (CNSS, former CNOPS, Achamil). Conditions: holder of the disability card issued by the Ministry of Solidarity (review every 5 years for progressive disabilities, permanent for stable disabilities), incapacity to work attested by medical certificate, living in the insured parent's home. In case of death of the insured parent, the disabled child's AMO right is maintained via CNSS survivor pension and AMO survivor extension (specific procedure at CNSS branch within 6 months of death).

Extended job search: ANAPEC renewal every 6 months

A young graduate who cannot find a job can retain the «ANAPEC job seeker» status up to 30 full years, provided they renew their registration every 6 months (presentation at ANAPEC branch, CV update, justification of active steps). In case of first employment in CDD < 3 months, ANAPEC status is suspended during the contract duration then automatically reopened at the end without new steps. In case of first employment in CDI or CDD > 6 months, the young person switches to their own salaried AMO coverage and loses the derived right.

Reintegration after end of studies between 26 and 30

Typical case: a young person completes their bachelor's at 23, takes a gap year, works on CDD at 24-25 then loses their job at 26. Before law 54-23, they definitively exited the parent-derived AMO right. With law 54-23, they can REINTEGRATE the derived right between 26 and 30 under one of the 3 eligible statuses (study resumption, ANAPEC registration, no activity). The procedure is identical to a first request, with one additional document: CNSS salaried affiliation cessation certificate (downloadable from cnss.ma under «My certificates»).

Marriage of the dependent child between 26 and 30

Marriage does not automatically remove the parent-derived AMO right. If the spouse is themselves AMO-affiliated (salaried, civil servant, self-employed Achamil), the young person can choose between remaining a dependent of their parent OR becoming a dependent of their spouse. However, if marriage is accompanied by declared professional activity of the young person, they lose the parent-derived right and switch to their own AMO. A homemaker young woman married at 27 with a non-AMO-insured spouse can continue to benefit from the parent-derived right up to 30 under «no activity» status.

Chronic illness or ALD (Long-term Condition)

• Young people 26-30 with ALD (cancer, insulin-dependent diabetes, kidney failure, multiple sclerosis, etc.) automatically benefit from AMO extension without status condition
• Enhanced coverage: 100% of the national reference rate (instead of 70% ambulatory / 90% hospital)
• Procedure: ALD declaration on tax.gov.ma/AMO with attending physician's medical certificate + ALD care protocol validated by CNSS medical advisor
• Renewal every 24 months or according to care protocol duration

What to do if the child turns 26 between June and September 2026?

This is the trickiest case: AMO derived coverage extinguishes at the 26th birthday under current law (before law 54-23 entry into application), but the tax.gov.ma/AMO platform only opens July 15, 2026 and effective activation only occurs September 1, 2026. CNSS published on June 8, 2026 circular n° 2026-14 providing for a transitional measure: any beneficiary turning 26 full years between June 1, 2026 and August 31, 2026 benefits from an automatic 3-month extension of their AMO coverage without prior steps, subject to filing their extension request by September 30, 2026 at the latest.

Case of former CNOPS civil servants: simultaneous double transition

Civil servant parents currently affiliated with CNOPS automatically transfer to CNSS on February 1, 2027 (law 54-23 article 3). If their child is between 26 and 30 at that date, two procedures must be conducted simultaneously: (1) the parent's administrative CNOPS → CNSS transfer, managed automatically without civil servant intervention; (2) the child 26-30 extension request, to initiate from September 1, 2026 via tax.gov.ma/AMO with the future CNSS number (communicated by CNOPS letter from July 2026). A 30-day period is allowed to regularize after effective transfer.

Why Morocco goes further than its Maghreb neighbors

Several factors explain Morocco's vanguard position in 2026: (1) particularly high youth graduate unemployment rate (32.5% among 25-34 year old higher education graduates according to HCP 2025), which makes the absence of coverage between end of studies and first qualified job politically untenable; (2) a social protection system in the process of generalization since 2021 with a political objective of universal coverage by 2030 (2020 Throne speech); (3) demographics where the 26-30 bracket represents 8.3% of the population (2024 General Census) — 3 million people — of whom 60% are in employment transition; (4) a parallel CNOPS-CNSS reform that simplifies administrative management and makes extension technically possible at marginal cost.

Implication for Moroccans abroad: coverage in case of temporary return

For Moroccans Residing Abroad (MRE), law 54-23 has a direct implication: a 26-30 MRE young person who returns to Morocco for higher education (master's, doctorate) or to seek employment can benefit from extended AMO coverage derived from their parent insured in Morocco, without additional contribution, provided they effectively reside in Morocco (residence certificate < 3 months). This provision is particularly interesting for young MRE returning to do PFE internships of more than 6 months or civic service in Morocco.

26-30 young person typical profile: specific health needs

• Dental care (cavity, scaling, late orthodontics): 1,500-3,500 MAD/year not covered by base AMO
• Optics (glasses, lenses, annual eye exam): 1,200-2,800 MAD/year, AMO ceiling 600 MAD/3 years
• Mental health (psy consultations, psychiatrist): 400 MAD/session × 8-12 sessions/year = 3,200-4,800 MAD/year, not reimbursed liberal sector
• Contraception (IUD, pill, gyneco follow-up): 800-1,500 MAD/year, partially covered
• Alternative medicine (osteo, non-reimbursed kine, nutrition): 1,200-2,500 MAD/year, outside AMO basket
• Prenatal monitoring (pregnant young women): 4,000-8,000 MAD/year if private sector

Complementary health 26-30: 4 adapted formulas

• Active young formula (180-250 MAD/month): dental, optics, alternative medicine, private hospitalization — covers 70% of out-of-pocket
• Student formula (90-140 MAD/month): enhanced ambulatory coverage, annual optics, basic dental — adapted to tight budget
• Young married family formula (350-480 MAD/month): covers couple + maternity + young child
• Returning MRE formula (220-310 MAD/month): premium private medicine for MRE returning with European health habits