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. Note: AMO Tadamon replaced RAMED since 1 December 2022; eligibility is now based on the RSU score (≤ 9,326), not on annual income thresholds.
Costs & fees
| AMO Tadamon (formerly RAMED) | Free | Subject to RSU score ≤ 9,326 |
| CNSS family allowances | 300 MAD/month/child | First 3 children under 12; 36 MAD/month for 4th to 6th child (CNSS, cnss.ma) |
| Tayssir rural primary school grant | 60 MAD/month/child | Subject to school attendance requirement |
| Tayssir rural middle school grant | 100 MAD/month/child | Subject to school attendance requirement |
Timeline
AMO Tadamon: healthcare coverage for vulnerable families
AMO Tadamon has replaced RAMED since 1 December 2022. Eligibility is now based on the RSU score (≤ 9,326), not on annual income thresholds. Coverage is free for eligible households and provides access to public hospitals, university hospital centers (CHUs) and approved health centers. Process: registration via the Unified Social Register (RSU) at the commune or caidat, then affiliation to AMO Tadamon managed by CNOPS or CNSS depending on the situation.
💡 Tip — If the MRE's family regularly receives substantial transfers, check the impact on the RSU score before applying for eligibility.
⚠️ Warning — Regular bank transfers may be taken into account in RSU score assessment 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.
💡 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 MAD per child
Family allowances are paid by the CNSS to private sector employees for their dependent children. 2026 amount: 300 MAD/child/month for the first 3 children under 12; 36 MAD/month for children from the 4th to the 6th (CNSS, cnss.ma). 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.
⚠️ Warning — Self-employed workers not affiliated with the CNSS do not benefit from family allowances. The 2021 AMI reform only covers medical care, not family allowances.
Tayssir: conditional school assistance for rural children
The Tayssir program provides a monthly allowance to families whose children in rural areas are enrolled between ages 6 and 15: 60 MAD/month per child in primary school, 100 MAD/month in middle school. Condition: school attendance (minimum 90% presence). This program is distinct from AMO Tadamon 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.
INDH grants and social housing
The National Initiative for Human Development (INDH) funds community projects and individual grants in disadvantaged areas. Social housing assistance for first-time buyers with modest incomes can reach 100,000 MAD under conditions. Forsa program (2022): project financing up to 100,000 MAD at 0% interest for those under 45.
💡 Tip — The Forsa program is particularly suitable for MREs planning a permanent return who wish to fund an independent activity in Morocco.
In depth
Financial transfers from MREs to their family in Morocco raise an important tax question in the country of residence. In France, payments to family members under the maintenance obligation are deductible from taxable income if the taxpayer can prove the family relationship, the reality of the need, and the amount paid. In Morocco, amounts received from abroad by an individual are not taxable as income if they come from an MRE transfer to their family. It is advisable to keep transfer receipts and an explanatory letter for any amount exceeding 50,000 MAD per year. AMO Tadamon replaced RAMED on 1 December 2022; eligibility is now based on the RSU score (≤ 9,326), not annual income thresholds.
❌ 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 AMO Tadamon or Tayssir.
- ✕Confusing AMO Tadamon (health coverage for vulnerable non-employees, formerly RAMED) and AMO CNSS (employee health insurance): they are two distinct, non-cumulative schemes.
- ✕Believing RAMED is still active in 2026 with annual income thresholds: it was replaced by AMO Tadamon on 1 December 2022, with eligibility now based on RSU score (≤ 9,326).
- ✕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.
🔗 Official links and resources
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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