AMO (Assurance maladie obligatoire) covers every private-sector employee declared to CNSS. Once your employer has filed your registration with CNSS and you clear the waiting period, AMO reimburses medical consultations, hospital stays, listed medicines, lab tests, dental and optical care within annual caps, and maternity costs, at 70-100% of national reference tariffs depending on care type and whether the provider is conventioned. Long-term conditions (cancer, diabetes, kidney failure) are 100% covered once recognised as an ALD. This guide explains what it pays for, how to file a claim, and what to watch for on your payslip.
Who is covered
- The employee declared to CNSS;
- Dependants, non-insured spouse, dependent children up to an age cap (21, 26 for students, no cap for disabled children);
- Retirees who keep coverage.
Benefits open after a waiting period (minimum contributions required before eligibility).
Care basket
AMO covers, within ANAM’s reference framework:
- Medical consultations (GPs and specialists);
- Hospitalisation in conventioned public and private facilities;
- Reimbursable medicines on the national list;
- Lab tests and imaging;
- Dental care (annual caps);
- Optics (frequency and caps);
- Maternity (prenatal, delivery, postpartum);
- Long-term conditions (ALD), fully covered (cancer, diabetes, kidney failure, etc.);
- Rehabilitation, physiotherapy, home care per protocol.
Reimbursement rates
Rates depend on conventioned vs non-conventioned providers and care type. Indicative orders of magnitude (confirm at assurancemaladie.ma):
- Conventioned consultation, ~80% of the national reference tariff;
- Conventioned public hospital, up to 90-100% depending on case;
- Conventioned private clinic, per the convention;
- Reimbursable medicines, 70% of public price, 100% for ALD.
Non-conventioned providers are reimbursed on the national tariff, often leaving a large out-of-pocket gap.
Practical steps
Getting your AMO card
Automatic once your CNSS registration is live. Retrieve via macnss.ma or at a CNSS office.
Filing a reimbursement claim
- Keep all original invoices and prescriptions;
- Complete the CNSS reimbursement form (CNSS-AMO-01);
- File at an office or online via macnss.ma;
- Track status online;
- Payment by bank transfer in 2 to 6 weeks.
Long-term condition (ALD)
- Apply for ALD medical approval through your treating doctor, with a medical file;
- Once validated by CNSS medical review, ALD-related care is covered 100% at the national tariff;
- Periodic renewal based on follow-up reviews.
Watch-outs
- Check your employer declares the correct salary, the contribution base governs daily allowances.
- National reference tariffs often sit below real private-sector prices, which is why a top-up health plan (employer mutual or individual) is common.
- Keep all receipts in case of audit or dispute.
Looking for a CNSS-declared role?
Every formal Moroccan employer must declare you to CNSS, which is what unlocks AMO. To filter for employers running clean payroll, browse Morocco openings on Bayt.com and confirm CNSS declaration at offer time, it should be in the contract, not just “we’ll sort it later.”
Further reading
- ANAM glossary entry, AMO regulator
- CNSS glossary entry, private-sector administrator
- AMO Tadamon glossary entry, solidarity-based scheme for low-income households
- Guide: How to get your CNSS number, first step to AMO eligibility
- Guide: Understanding your Moroccan payslip, the AMO line on your slip explained
- Guide: First job checklist, when to verify AMO card delivery