👨⚕️
80%Consultations
GP TNR 80 MAD → 64 MAD reimbursed
Insurance
CNOPS reimbursement
AMO for civil servants and public agents · 80% of TNR (up to 100% with top-up insurance).
Covered services
What does the CNOPS reimburse?
💉
80%Lab tests
Blood panel 400 MAD → 320 MAD reimbursed
📸
80%Imaging
Ultrasound 300 MAD → 240 MAD reimbursed
💊
80%Medication
ALD reimbursed at 100%
🏥
100%Hospitalisation
In-network, direct billing
👓
80%Optics
Frames + lenses (flat rate)
Top-up insurance
Top up your CNOPS
Sectoral mutuelles take reimbursement from 80% up to 95–100%.
MGEN
Teachers
MODEP
National Education
OMFAM
Royal Armed Forces
MAS
Health
MGPAP
Public Administration
MDOUANE
Customs
FAQ
Frequently asked questions
Who is covered by the CNOPS?+
Civil and military servants, agents of local authorities and public bodies, plus their spouses and dependent children.
CNOPS vs mutuelle: what's the difference?+
CNOPS is the compulsory base scheme (80% of TNR). Each sectoral mutuelle (MGEN, OMFAM…) tops the reimbursement up to 95–100%. The two are linked.
How do I file a claim?+
File at a CNOPS branch or online via cnops.org.ma. Processing time: 15–45 days. Keep all supporting documents for 5 years.
Direct billing in hospitals?+
The CNOPS uses direct billing in public hospitals and CHUs. For approved private clinics, request prior approval.
ALD 100%: how to qualify?+
File a long-term condition application for the 38 chronic illnesses listed by ANAM. Validation by the medical adviser within 30 days.
CNOPS-approved doctors
Find an approved practitioner near you. Direct billing available.
CNOPS-approved doctors