The Agence nationale de l’assurance maladie (ANAM) is Morocco’s technical regulator for basic health coverage. It was established in 2005 under Law 65-00 (the Code of Basic Medical Coverage) and sits under the Ministry of Health.
Role
ANAM does not pay claims directly. Instead it sets the rulebook within which the country’s two main health-insurance operators work:
- CNSS — compulsory health insurance for private-sector employees and, since 2021, for independent workers.
- CNOPS — compulsory health insurance for civil servants and their dependants.
ANAM’s responsibilities include:
- Negotiating and maintaining national conventions with healthcare providers (doctors, clinics, hospitals, pharmacies);
- Setting national reference tariffs, coverage rates and the list of reimbursable medicines;
- Managing rules for chronic and long-term conditions (ALD);
- Operating the shared information systems on beneficiaries, entitlements and care consumption;
- Supporting regulatory supervision of the AMO scheme.
AMO Tadamon and universal coverage
As part of Morocco’s 2021-2025 social-protection reform, the former means-tested RAMED scheme has been merged into a new regime called AMO Tadamon, which extends compulsory health insurance to low-income households. Independent workers — traders, artisans, liberal professions, farmers — are now enrolled as well. ANAM provides technical stewardship for this scaled-up system.
Information for insured people
Through the assurancemaladie.ma portal, ANAM publishes:
- the national list of reimbursable medicines;
- national reference tariffs;
- care-pathway guides for long-term conditions;
- explanatory resources for patients and providers.
Where ANAM fits
ANAM sits at the centre of the health-coverage ecosystem alongside:
- CNSS and CNOPS as operators;
- the Ministry of Health for public care supply;
- professional unions of doctors, clinics, pharmacists and other providers.
References
- Official site: assurancemaladie.ma
- French Wikipedia article: Agence nationale de l’assurance maladie