Les caractéristiques de la population couverte par le régime de l’assurance maladie obligatoire au Maroc
AbstractIntroduction: in Morocco, Compulsory Medical Insurance (CMI) entered into force in 2005. Insurance first covered health expenses of employees in public and private sectors, then of students. It was gradually expanded to independent workers. This study aims to determine the profile of the population covered by CMI in Morocco.
Methods: We conducted a descriptive study of the population covered by CMI based on data collected from the National Health Insurance Agency in Morocco and from the Health Insurance funds.
Results: A total of 8.428.218 persons were covered by CMI at the end of 2014, reflecting a rate of 34% of the general population. People having long duration disease (LDD) did not exceed 2.78% of the population covered by CMI. Active insured accounted for 81% of the population covered. In the private sector, gross salary of active affiliates ranged, on average, between $ 140 and $ 500 per month while gross salary pensions was less $280 per month. In the public sector, gross salary of active affiliates ranged, on average, between $ 280 and $ 825 per month while gross salary pensions ranged between $ 140 and $ 500 per month.
Conclusion: Knowledge of the characteristics of the population covered by Compulsory Health Insurance in Morocco is necessary to ensure regulation and sustainability in the insurance sector.
Keywords: Compulsory health insurance, long duration disease, financial resources, Morocco