114,000 Moroccan Students Benefit From CNOPS’ Health Insurance in 2018-2019


Rabat – The National Fund of Social Welfare Organizations’ (CNOPS) held, on July 26, its sixth session on compulsory insurance for students.

Following the session, the Fund affirmed in a press release that 114,000 students were registered in the Compulsory Basic Student Health Insurance Scheme during the academic year 2018-2019.

Morocco’s healthcare currently

The current health system, the Medical Assistance Plan (RAMED), and Compulsory Health Insurance (AMO) have been in place for seven years. However, they are in the process of being replaced by the Moroccan Health Insurance Fund (CMAM) in accordance with the Decree-Law 2-18-781.

The CMAM is a single fund meant to replace all national insurance funds (including CNOPS). The CMAM will now be responsible for providing the basic AMO for employees, pensioners, and their beneficiaries in the public sector.

Miloud Maasid, Chairman of CNOPS’ Board of Directors, noted the Fund’s “deep institutional development is ensuring the success of the transitional phase towards CMAM.”

114,000 insured students for the 2018-2019 academic year 

In their press release, CNOPS noted that, in 2018-2019, all higher education institutions in the public sector (counting for 90% of students) are now involved in the Compulsory Basic Student Health Insurance Scheme.

The insurance is open to students enrolled in an institution of higher education or vocational training, public or private, registered with CNOPS. Students are eligible if they are not already covered by AMO, RAMED, or a personal or parental private insurance.

CNOPS also highlighted the increase in registration applications from 70,361 applications in 2017-2018 to 272,517 applications in the current academic year. After the National Health Insurance Agency conducted its inspections, 114,866 students were registered.

The inspection showed that about 52,352 students are covered by AMO in the private sector and 26,124 students in the public sector, while 57,352 students are covered by RAMED. Therefore, they will not be covered by the Compulsory Basic Student Health Insurance Scheme.

In light of these figures, the Board of Directors recommended the creation of a committee to facilitate registration procedures. The goal is to enable the integration of certain students, including RAMED beneficiaries, into the Compulsory Basic Student Health Insurance Scheme.