MREs living abroad are often the main financial support for their family remaining in Morocco. Beyond direct financial transfers, Morocco has a range of social protection schemes that family members may be entitled to depending on their economic and professional situation. Knowing these schemes allows you to optimize the support provided and reduce dependence on remittances alone, by combining Moroccan public resources with private family assistance.
RAMED: healthcare access for vulnerable families
The Medical Assistance Scheme (RAMED) is aimed at economically vulnerable or destitute individuals who do not benefit from AMO. Eligibility: households with annual income below the vulnerability threshold (5,650 DH/year in rural areas, 6,440 DH/year in urban areas in 2026). The RAMED card is free for destitute individuals, or 120 DH/year for vulnerable individuals. It provides access to public hospitals, university hospital centers (CHUs) and RAMED partner health centers. Process: file to be submitted to the caid or municipal president, renewal every 3 years at the ANAM (National Health Insurance Agency, anam.ma).
💡 Tip — If the MRE's family regularly receives substantial transfers, they may no longer meet RAMED income conditions. Check before applying.
⚠️ Warning — Informal transfers (untraced cash) may not be counted in income assessment, but regular bank transfers may be, depending on the investigator's judgment.
AMO: health insurance for employees and their families
Mandatory Health Insurance (AMO) covers private sector employees affiliated with the CNSS and their dependents (spouse, children under 26, disabled children without age limit). It reimburses 70% of consultations in the liberal sector (contracted doctors), 80-90% of hospital procedures. Family members of the MRE in Morocco can be covered if one of them is a salaried CNSS contributor. Process: the employer declares the employee to the CNSS, dependents are registered on the family record at the local CNSS office.
💡 Tip — Encourage your relatives to regularize their CNSS situation even for part-time jobs: each month contributed opens up AMO rights for the whole family.
CNSS family allowances: 300 DH per child
Family allowances are paid by the CNSS to private sector employees for their dependent children. 2026 amount: 300 DH/child/month for the first 3 children under 12 (200 DH for the next 3). Conditions: children under 12 (25 if continuing studies), disabled children without age limit. The parent employee must have at least 108 contribution days in the quarter. Monthly payment directly to employer or employee according to the agreement. Process: declaration of children to the employer (birth certificate extract + school certificate for those over 12).
⚠️ Warning — Self-employed workers not affiliated with the CNSS do not benefit from family allowances. The 2021 AMI (Independent Health Insurance) reform only covers medical care, not family allowances.
Tayssir: conditional school assistance for rural children
The Tayssir program of the Ministry of National Education provides a monthly allowance to families whose children in rural areas are enrolled between ages 6 and 15: 60 DH/month per child in primary school, 100 DH/month in middle school. Condition: school attendance (minimum 90% presence). Payment is made directly to the beneficiary parent through the school. Registration: with the school principal at the start of the school year. This program is distinct from RAMED and can be combined with it.
💡 Tip — For rural MRE families in remote areas, Tayssir is often the only public aid accessible without traveling to the city. Let your relatives know it exists.
INDH grants and social housing
The National Initiative for Human Development (INDH) funds community projects (water, electricity, rural roads) and individual grants in disadvantaged areas. Social housing assistance for first-time buyers with modest incomes can reach 100,000 DH under conditions. Forsa program (2022): project financing up to 100,000 DH at 0% interest for those under 45. Process: file with the local INDH office or wilaya.
💡 Tip — The Forsa program is particularly suitable for MREs planning a permanent return who wish to fund an independent activity in Morocco.
❌ Common mistakes to avoid
- ✕Not informing your family of the benefits they may be entitled to: many MRE families in rural areas are unaware of RAMED or Tayssir and forgo assistance they have a right to.
- ✕Confusing RAMED (assistance for destitute non-employees) and AMO (health insurance for CNSS employees): they are two distinct, non-cumulative schemes for the same person.
- ✕Forgetting to renew the RAMED card every 3 years: an expired card makes care in RAMED establishments inaccessible, even in an emergency.
- ✕Declaring family allowances late: the delay can result in the loss of retroactive rights for undeclared quarters.
- ✕In France, failing to keep proof of maintenance transfers made to parents in Morocco, thereby losing the tax deductibility to which the taxpayer is entitled.
🔗 Official links and resources
ANAM - National Health Insurance Agency
Official information on RAMED, AMO, list of contracted establishments
CNSS Morocco - Family Allowances
Conditions, amounts and declaration procedure for CNSS family allowances
Ministry of National Education - Tayssir Program
Details of the Tayssir conditional school assistance program for rural areas
INDH - National Initiative for Human Development
Human development assistance programs, projects funded by region
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