AMO Tadamon (from the Arabic tadamon, “solidarity”) is the Moroccan solidarity-based compulsory health-insurance scheme that, since late 2022, has absorbed the beneficiaries of the former RAMED. It is part of the 2021 social-protection universalisation framework (Framework Law 09-21).
Who is covered
AMO Tadamon covers residents without contributory capacity:
- low-income households identified through the Unified Social Registry (RSU);
- orphans and persons without family resources;
- residents of certain social institutions.
How it works
- Administered by CNSS on behalf of the State.
- Financed through budget transfers under the annual Finance Act.
- The care basket is broadly aligned with the salaried-worker AMO — consultations, hospitalisations, reimbursable medicines, maternity, long-term conditions.
- Technical regulation by ANAM.
Cards and access
Beneficiaries receive an AMO card that entitles them to care from conventioned providers, both public and private. Enrolment is conditional on registration in the Unified Social Registry.
Interaction with other schemes
AMO Tadamon sits alongside:
- AMO for private-sector employees — managed by CNSS;
- AMO for civil servants — managed by CNOPS;
- AMO for independent workers (liberal professions, traders, artisans, farmers) — managed by CNSS since 2021-2022.
Together these regimes aim at universal health coverage for residents of Morocco.
Sources
- Administrator: cnss.ma
- Regulator: assurancemaladie.ma
- French Wikipedia article: Couverture médicale de base au Maroc