AMO (Assurance maladie obligatoire) covers every private-sector employee declared to CNSS. This guide explains what it pays for and how to claim.
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.
Further reading
- ANAM glossary entry — AMO regulator.
- CNSS glossary entry — private-sector administrator.
- AMO Tadamon glossary entry — solidarity-based scheme for low-income households.