Health insurance for Civil servant
Moroccan civil servants benefit from the country's best public health coverage thanks to CNOPS and its 8 sectoral mutuals. A private complementary is only a comfort complement and remains optional.
2026 indicative contributions
Basic plan
150 MAD
/month
Standard plan
300 MAD
/month
Premium plan
550 MAD
/month
Profile specifics
CNOPS + sectoral mutual already cover 90-100% of public sector care and 80-90% of contracted private. Complementary takes over remaining 10-20% + overages, annual cap 30-60k MAD. Contribution 150-550 MAD/month.
Priority coverage
- CNOPS complement (fee overages)
- Individual hospital room
- Additional optical
- Cosmetic dentistry
Points of attention
A civil servant is automatically affiliated with CNOPS (via sectoral mutual MGPAP, MGEN, OMFAM…). This coverage is excellent (80-100%), private complementary is only useful for hospital comfort and overages.
Is CNSS AMO sufficient?
Globally yes. CNOPS offers one of Africa's best coverages. A private complementary improves comfort but is not indispensable for most civil servants.
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