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CNOPS Inaya Complementary Health

by Caisse Nationale des Organismes de Prévoyance Sociale (CNOPS)

★★★☆☆3.9(4,120 reviews)

CNOPS is the mandatory health insurance fund for Moroccan civil servants. The Inaya Complementary Health plan supplements the mandatory AMO base coverage, covering co-payments and extending benefits for government employees and their families.

Monthly Premium

MAD 350 - MAD 900

Deductible

MAD 100 - MAD 400

Coverage Type

standard

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Coverage Details

✓Hospitalization

✓Outpatient Care

✓Dental

✓Vision

✗Mental Health

✓Maternity

✓Prescription Drugs

✓Emergency Care

✗International Coverage

✗Telehealth

Pros

✓Government-backed financial stability
✓Nationwide acceptance at public and private hospitals
✓Low contribution rates for civil servants
✓Covers dependants comprehensively

Cons

✗Benefits primarily for civil servants
✗Reimbursement delays reported
✗Digital services underdeveloped

Editorial Review

“CNOPS Inaya is the cornerstone of Moroccan civil servant health coverage, providing essential complementary benefits to the mandatory AMO system.”

— Morocco Healthcare Financing Assessment 2025

Key Highlights

✓Mandatory scheme for civil servants and their families
✓Supplements the AMO (Assurance Maladie Obligatoire) base coverage
✓Wide network across all Moroccan provinces

Quick Summary

ProviderCaisse Nationale des Organismes de Prévoyance Sociale (CNOPS)

CountryMorocco

Rating3.9/5

Reviews4,120

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