CNOPS (Caisse nationale des organismes de prévoyance sociale) is the Moroccan body that administers the compulsory health-insurance scheme (AMO) for the public sector. It federates several historic civil-servant mutuals and manages their health, maternity and invalidity benefits.
Who is covered
- Civil servants in central government, local authorities and public establishments;
- Military and paramilitary personnel, through affiliated mutuals;
- Pensioners from the public service;
- Dependants (spouses and dependent children).
How it works
AMO coverage through CNOPS is compulsory for serving public-sector employees. Contributions are withheld at source from salaries and pensions. Benefits cover outpatient care, hospitalisations, maternity, reimbursable medicines and long-term conditions, following norms set by the regulator ANAM.
Affiliated mutuals
Several long-standing mutuals are federated under CNOPS — notably for education, health services, posts and telecoms, the armed forces and national security.
Interaction with other schemes
- CNSS — AMO for private-sector employees and (since 2021-2022) independent workers.
- AMO Tadamon — solidarity-based scheme for low-income residents.
- ANAM — common technical regulator for all AMO schemes.
Technical arrangements prevent double affiliation and preserve coverage continuity for workers who move between sectors.
Sources
- Official site: cnops.org.ma
- French Wikipedia article: CNOPS