RMA - Royale Marocaine d'Assurance

Name

RMA - Royale Marocaine d'Assurance

Legal name

Royale Marocaine d'Assurance

Website

https://rmaassurance.com

Company type

Private

Founded year

1949

Operating status

Operating

Headcount range

501–1,000 employees

Ownership category

akta.pro rank

Product category

Insurance Services

NAICS

Direct Property and Casualty Insurance Carriers (524126), Direct Health and Medical Insurance Carriers (524114), Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Fire, Marine & Casualty Insurance (6331), Life Insurance (6311), Accident & Health Insurance (6321), Insurance Carriers, Nec (6399)

akta.pro primary industry

Commercial Package / Business Owners Policies (BOP) (FSAJAMAG)

Keywords

• Personal insurance products
• Automobile insurance
• Health and provident insurance
• Savings and pension plans
• Claims management services

Headquarters

HQ city

Casablanca

HQ country

Morocco

HQ region

Africa

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Supply Chain

Revenue model

1. Property and Casualty Insurance: Core revenue stream including automobile, motorcycle, and home insurance products with annual premiums
2. Health and Provident Insurance: Health insurance, hospitalization coverage, and provident/dread disease products
3. Savings and Pension Insurance: Life insurance and savings products including Education Active and Retraite Active, generating premium income with potential tax advantages
4. Leisure Insurance: Specialized insurance for leisure activities including boating, hunting, and travel accident coverage

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

RMA is a Moroccan insurance company providing personal and commercial insurance products across five core lines: automobile and motorcycle, home (multirisque habitation), health and provident coverage, savings/pension plans, and leisure (boating, hunting, travel accident). Policies are sold through a nationwide agency network, a direct website with online subscription, a 24/7 customer hotline (2526), a mobile app (MyRMA), and centralized claims-management service centers (RMA Services).

Product overview

RMA - Royale Marocaine d'Assurance operates as a comprehensive insurance provider offering a diversified portfolio of personal insurance products. The product lineup includes six core categories: Automobile/Moto insurance (with Basic'OTO, Optimale OTO, Confort'OTO, Tous risques'OTO tiers, and RMASSIST'Moto Zen assistance), Multirisque Habitation home insurance (Formule 1, 2, and 3), Santé et Prévoyance health/protection coverage (Temporaire Décès, Individuel Accident SABIL, Hospitalisation), Épargne savings plans (Education Active, Retraite Active), and Loisirs leisure insurance (Multirisque Plaisance, RC Chasse, Individuel Accident Voyage). These are complemented by RMA Services (centralized claim management) and the MyRMA mobile application for customer self-service. The company distributes through a network of 300+ agencies across Morocco with 24/7 customer service available via the 2526 contact number.

Differentiator

Problem solved

Functional benefit

Brands

• RMA Services: A centralized claims management service offering a single point of contact for automobile accident claims, including expertise, vehicle replacement, reimbursement, and glass repair workshop services
• Offre Famille
• Basic'OTO
• Optimale OTO
• Confort 'OTO
• Tous risques'OTO
• Auto IKTISSADIA
• Offre WW
• Offre expérimentés
• TOUS RISQUES HANI
• RMASSIST'Moto Zen
• Formule 1
• Formule 2
• Formule 3
• Temporaire décès
• Individuel Accident SABIL
• Pack Santé Monde
• Éducation Active
• Retraite Active
• Multirisque plaisance
• RC Chasse
• Individuel Accident Voyage
• RMA Services Centers
• Hifad Express
• Expertise à distance

Products and services

• Automobile Insurance Tiered automobile insurance covering civil liability, catastrophic events, fire, theft, glass breakage, collision damage, driver protection, and roadside assistance for Moroccan vehicle owners, with up to 13-day replacement vehicle coverage.
• Motorcycle Insurance Motorcycle insurance covering third-party liability, theft, fire, legal protection, and passenger accident for motorcycle owners, with optional 24/7 assistance and roadside services.
• Home Insurance (Multirisque Habitation) Multi-tier home insurance covering fire, theft, water damage, catastrophic events, natural catastrophes, electronic equipment damage, family liability, and optional mortgage payment coverage for Moroccan homeowners.
• Temporaire Décès (Temporary Death Insurance) Temporary death insurance guaranteeing a tax-exempt capital paid to beneficiaries outside succession rules, including coverage of outstanding mortgage loans in case of death.
• Hospitalisation Insurance Hospitalization insurance providing daily indemnities from 200 to 1,000 DH and reimbursement of hospitalization expenses at 85% for the policyholder, spouse, and children.
• SABIL Individual Accident Insurance Individual accident insurance covering accidental death, permanent disability, with optional work stoppage and medical expense reimbursement, available to individuals aged 16-65.
• Pack Santé Monde (International Health Insurance) International health insurance providing up to 6,500,000 DH per person per year in coverage for hospitalization, surgery, chemotherapy, dialysis, and other medical care received abroad.
• Education Active (Children's Education Savings) Children's education savings plan with minimum monthly contributions of 100 DH, offering options for savings capitalization or an education annuity paid to beneficiaries until age 25, with waiver of future premiums upon death or total disability.
• Retraite Active (Retirement Savings) Retirement savings plan for individuals aged 18-60 with flexible contributions from 200 DH monthly, offering guaranteed returns plus 90% profit participation and capital, annuity, or mixed payout options.
• Multirisque Plaisance (Pleasure Craft Insurance) Pleasure craft insurance covering boats and jet-skis up to 10 years old, with civil liability up to 4,000,000 DH for bodily injury and optional individual marine coverage for up to 15 persons.
• RC Chasse (Hunting Liability Insurance) Hunting liability insurance required for hunting permit holders in Morocco, providing unlimited bodily injury coverage and material damage coverage up to 500,000 DH with a 100 DH deductible.
• Individuel Accident Voyage (Travel Accident Insurance) Travel accident insurance covering partial permanent disability, temporary total disability, permanent total disability, and accidental death with flexible duration options.

Quantifiable outcome

• Up to 15% family discount on auto insurance
• +4 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Three partnerships are on record, tiered core.

• Approved Garage Network (Garages Agréés)coreTechnology or IntegrationExtensive network of approved partner garages throughout Morocco enabling quality-assured vehicle repairs for insured customers. Network includes major brands such as Auto Hall, Kia Motors, Toyota Morocco, Renault Commerce Morocco, and hundreds of independent repair shops.
• Approved Healthcare Facilities NetworkcoreTechnology or IntegrationNetwork of approved health establishments including laboratories, radiology centers, and opticians across Morocco for cashless or streamlined healthcare coverage. Includes major facilities in Casablanca, Rabat, Fes, Marrakech, and other cities.
• Glass Breakage Specialists (Partners in RMA Services)coreTechnology or IntegrationPartnership with specialized glass breakage repair providers integrated into RMA Services centers, enabling rapid windshield and glass replacement in under 45 minutes with certified quality parts.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Wafa Assurance: Leading Moroccan multi-line insurance carrier offering life, health, auto, and home products through a comparable agency and bancassurance distribution model; one of RMA's closest domestic competitors.
• Saham Assurance (Sanad): Major Moroccan insurance carrier (rebranded as Sanad) offering personal and commercial lines including auto, home, health, and life insurance; directly comparable multi-line portfolio and Moroccan market positioning.
• Atlanta Maroc: Moroccan insurance carrier providing personal lines (auto, home, health) and savings products; competes head-to-head with RMA in the Moroccan individual insurance segment.
• CNIA Saada: Established Moroccan insurance company offering auto, fire, transport, life, and health insurance; another domestic multi-line competitor with comparable agency-based distribution.

Broad incumbents

• AXA Assurance Maroc: Moroccan arm of global insurer AXA offering auto, home, health, and life products with broader international backing; competes with RMA in the Moroccan market while bringing global underwriting capacity.
• Allianz Maroc: Moroccan subsidiary of Allianz providing personal and commercial insurance products; a larger global incumbent with similar product breadth to RMA and competitive overlap in the Moroccan market.
• Zurich Maroc: Moroccan subsidiary of Zurich Insurance Group offering personal and commercial lines; provides benchmark for global insurer competition against RMA in the Moroccan market.

Regional players

• MAMDA (Mutuelle Agricole Marocaine d'Assurance): Moroccan mutual insurer historically focused on agricultural insurance but expanding into personal lines; relevant comparable for risk-pooling and Moroccan market dynamics even if product mix differs.
• MCMA (Mutuelle Centrale Marocaine d'Assurance): Moroccan mutual insurance carrier offering personal and commercial coverage; comparable domestic insurer with similar distribution and regulatory exposure to RMA.

Emerging players

• Maroc Assistance: Moroccan assistance and insurance service provider specializing in roadside, medical, and travel assistance; overlaps with RMA's assistance features (RMASSIST'Moto Zen, 2526 hotline) but more focused on service delivery.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/rmaofficiel

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about RMA - Royale Marocaine d'Assurance