Health insurance for Self-employed worker
A self-employed worker (craftsman, merchant, liberal profession) must build comprehensive health protection as they're not automatically covered by their activity. Since 2023, AMO Achamil Non-Salaried provides a base but remains limited to essential care.
2026 indicative contributions
Basic plan
280 MAD
/month
Standard plan
550 MAD
/month
Premium plan
950 MAD
/month
Profile specifics
Optimal combination: CNSS AMO Achamil (mandatory since 2024) + private complementary insurance + IJ (daily indemnities). Total monthly cost 450-950 MAD for a self-employed with 8,000-30,000 MAD/month income.
Priority coverage
- Hospitalization (private priority)
- Work incapacity / income loss
- Occupational medicine
- Family dependents coverage
Points of attention
A self-employed worker without replacement salary in case of illness leave must subscribe to a 'daily indemnities' (IJ) guarantee to compensate income loss. Additional premiums 100-400 MAD/month depending on declared income.
Is CNSS AMO sufficient?
Partially. AMO Achamil covers basic hospitalization but not temporary work incapacity, crucial for a self-employed whose income stops in case of illness.
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