👨⚕️
70%Consultations
GP TNR 80 MAD → 56 MAD reimbursed
Insurance
CNSS reimbursement
Private-sector AMO · 70% of TNR (up to 90% for hospitalisation). Up-to-date ANAM scale.
Covered services
What does the CNSS reimburse?
💉
70%Lab tests
Blood panel 400 MAD → 280 MAD reimbursed
📸
70%Imaging
Ultrasound 300 MAD → 210 MAD reimbursed
💊
70%Medication
ALD list reimbursed at 90%
🏥
90%Hospitalisation
Surgery, A&E (in-network)
🦷
70%Dental
Extractions, scaling (TNR scale)
FAQ
Frequently asked questions
Who is covered by the CNSS?+
All private-sector employees, their spouses and dependent children (up to age 21, or 26 for students). Pensioners keep their entitlements.
What is the TNR?+
The Tarif National de Référence is the baseline rate set by ANAM, used by the CNSS to compute reimbursements. Anything above is on you, unless you have top-up cover.
How do I get reimbursed?+
Submit your file at a CNSS branch or via the insured area online (daamanty.cnss.ma). Average lead time: 15–30 days. Keep originals of prescriptions, invoices and orders.
Direct billing for hospitalisation?+
The CNSS uses direct billing in public hospitals and approved clinics: you only pay the user fee (10–30% depending on the act).
What is an ALD?+
Long-term condition: 38 chronic conditions (diabetes, cancer, severe hypertension…) reimbursed at 100% after medical approval.
Find an in-network doctor
Directory of CNSS-approved practitioners. Avoid out-of-pocket overcharges.
CNSS-approved doctors