AMO, CNSS and CNOPS: your home nursing care reimbursed

Compulsory Health Insurance (AMO) is the foundation of health cover in Morocco. For private-sector employees, it is managed by the CNSS; for civil servants and state employees, by the CNOPS. With the scheme's expansion through AMO-TADAMON, a large share of Marrakech's population now has an open right to reimbursement of part of prescribed care, including certain nursing acts performed at home.

Home nursing care falls within the scope of AMO when it is prescribed by a doctor and corresponds to acts listed in the nomenclature. These are most often medical-nursing acts (AMI): injections, infusions, dressings, post-operative monitoring, catheter or stoma care. Each act has a rating — the AMI key-letter followed by a coefficient — which sets the reimbursement base used by the health fund.

The principle remains mostly that of the reimbursement model (pay-then-claim): you pay for the service, then submit your file to the CNSS or CNOPS to be reimbursed according to your cover rate. The quality of your supporting document is therefore decisive. At every visit, our coordination team hands you a signed care record and a coded receipt compliant with the NGAP nomenclature: date, act, AMI rating and the registration number of the state-certified nurse who attended.

The reimbursement rate depends on your scheme and the nature of the act. AMO reimburses part of the national reference tariff (TNR), at a rate specific to your health fund. Any out-of-pocket balance can then be covered by a mutual insurer or a complementary plan — a topic detailed on our dedicated page for mutual insurers.

To activate your rights, you almost always need a prescription describing the care, your CNSS or CNOPS registration number, and the itemised proof of payment we provide. Without a prescription, nursing acts are in principle not covered; we can, however, arrange a medical visit or a teleconsultation before the care is delivered.

As a managed service, we recruit and vet our nurses directly: diploma, licence to practise, identity and civil liability cover. This traceability is precisely what health funds expect — an act performed by an identifiable, documented and coded professional. We are also a private ambulance service: if your condition requires medical transport, the same team coordinates the intervention, whose AMO cover is subject to specific conditions and to prescription.