ANAM

What ANAM does

ANAM (Agence Nationale de l'Assurance Maladie) is a Moroccan public regulatory agency created in 2005 under Article 57 of Law 65-00, tasked with the technical supervision, regulation, and management of Morocco's mandatory basic health coverage (AMO) scheme. It operates as an établissement public with legal personality and financial autonomy under the oversight of the Ministry of Health, holding exclusive jurisdiction over the AMO regime covering public sector employees (CNOPS), private sector employees (CNSS), RAMED medical assistance beneficiaries, and university students under Law 116-12. The agency's stakeholders span 22 million plus insured persons, two principal managing organisms (CNOPS and CNSS), healthcare providers, pharmacies, and institutional partners.

ANAM's core products are regulatory rather than commercial: it maintains the national reference tariff grids for medical acts, hospitalization, chemotherapy, dialysis, radiotherapy, and cardiology across public and private sectors; a national reimbursement drug list; a medical device reference catalog of 869 articles across three classes (life-aid devices, external orthoses/prostheses, and internal prostheses); the Guide des Maladies ALD & ALD covering 41 long-duration disease categories (140+ conditions); the national nomenclature of medical acts; and arbitration services for disputes. It runs specialized scientific commissions — the Commission de Transparence (est. 2012) and the Commission d'Évaluation Économique et Financière des Produits de Santé (CEFPS, est. Feb 2014) — that evaluate SMR/ASMR and economic impact of drugs and devices for reimbursement decisions. The underlying technology platform is the e-services portal (e-services.anam.ma), launched in 2022 with 14 online services for insureds, healthcare professionals, and institutional partners, supported by the national INPE identification system for healthcare professionals and facilities.

ANAM's business model is government budget allocation: it does not charge fees for its regulatory, arbitration, or supervisory services, generates no commercial revenue, and is not listed on any stock exchange. Its governance is exercised through a Board of Directors and a Director General appointed by the Council of Government (Dr. Khalid Lahlou, reappointed Sept 27, 2023 for a second term). Strategic direction is set by the ANAM Strategy 2020-2024, which targets modernization of the information system, generalization of AMO to uncovered populations (22 million additional beneficiaries), and a future transition to a Haute Autorité de Santé (HAS). The agency is also positioned as a regional reference, holding formal twinning and cooperation agreements with France's CNAMTS, Belgium's INAMI, Côte d'Ivoire's CNAM, Mali, Mauritania, Djibouti, Senegal, and Sweden's Swecare.

Name

ANAM

Legal name

Agence Nationale de l'Assurance Maladie

Website

https://anam.ma

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

51–100 employees

Short description

ANAM is Morocco's public regulatory agency (est. 2005) for the mandatory basic health insurance (AMO) regime, supervising CNOPS and CNSS managing organisms and 22 million+ beneficiaries through national reference tariffs, drug and medical device reimbursement lists, scientific commissions, and a 14-service e-services portal.

Ownership category

akta.pro rank

Product category

Health Insurance Regulation

NAICS

Insurance Carriers (5241), Regulation, Licensing, and Inspection of Miscellaneous Commercial Sectors (926150), Public Administration (92)

SIC

Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321)

akta.pro industry

PRIMARYFSAEADAK

Insurance Program Administration & MGA/MGU Services

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Insurance Brokerage & Risk Advisory

Keywords

• Health insurance regulation
• Mandatory medical coverage
• Drug reimbursement lists
• Medical device reference pricing
• Health insurance arbitration

Headquarters

HQ city

Rabat

HQ country

Morocco

HQ region

Africa

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Government Funding / Public Budget Allocation: ANAM is a public institution (établissement public) with legal personality and financial autonomy, established under Article 57 of Law 65-00. As a regulatory agency, it is funded through government budget allocations rather than commercial revenue generation. The agency does not charge fees for its regulatory, arbitration, or arbitration services.

Pricing tiers

Distribution channels1 record

Marketing channels7 records

Core offering

ANAM is the public regulatory agency that supervises, regulates, and manages Morocco's mandatory health insurance (AMO) regime. It maintains national reference pricing, drug and medical device reimbursement lists, runs specialized scientific commissions for drug evaluation, provides arbitration between insurers and healthcare providers, and operates an e-services portal serving insureds, healthcare professionals, and institutional partners including CNOPS and CNSS.

Product overview

ANAM (Agence Nationale de l'Assurance Maladie) is Morocco's regulatory body for mandatory health insurance (AMO). The organization operates a unified platform centered on the e-services portal (e-services.anam.ma) with 14 online services, supported by specialized commissions including the Commission de Transparité for medication reimbursement decisions and the CEFPS for economic evaluation. Key reference systems include the ALD/ALC disease guide (41 conditions), medical devices reference list (869 articles), and national pricing nomenclature. ANAM also manages the RAMED medical assistance program and provides arbitration services for insurance disputes. The organization's regulatory infrastructure is governed by Law 65-00 and its implementing decrees.

Differentiator

Problem solved

Functional benefit

Products and services

• AMO (Assurance Maladie Obligatoire) Regulation Services Regulatory services for mandatory health insurance including management of AMO laws, decrees, and regulatory frameworks governing the basic medical coverage system in Morocco. Serves the Ministry of Health, CNOPS, CNSS, and institutional stakeholders.
• Portail des Services en Ligne (E-Services Portal) Online services portal offering 14 digital services for AMO beneficiaries, healthcare professionals, and institutional partners, including claims processing and reimbursable medication information. Accessible at e-services.anam.ma.
• RAMED (Régime d'Assistance Médicale) Management Medical assistance program management for underprivileged populations, including card management, fund collection, and governance support for the RAMED reform toward integration with the universal health coverage system.
• Commission de Transparence Independent scientific commission that reviews medications for inclusion in or removal from the AMO reimbursable list, evaluating Service Médical Rendu (SMR) and Amélioration du Service Médical Rendu (ASMR). Operates at ct.anam.ma.
• Commission d'Évaluation Économique et Financière des Produits de Santé (CEFPS) Economic and financial evaluation commission that analyzes the cost impact of medications approved by the Transparency Commission and evaluates medical devices for the reimbursable list.
• Claims Management and Arbitration Service Arbitration system for disputes between insurance stakeholders, processing insured complaints regarding reimbursement refusals, long-duration diseases, and care provider disagreements.

Quantifiable outcome

• 22 million additional persons targeted for coverage under AMO generalization by end of 2022
• +2 more outcomes

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

18 partnerships are on record, tiered core, major and minor.

• Ministry of Health (Ministère de la Santé – Maroc)coreStrategic or Co-development PartnerThe Ministry of Health is ANAM's primary institutional partner, co-signing numerous agreements including the framework convention for RAMED generalization, cancer protocol conventions, and CHU partnership agreements. ANAM works under ministerial oversight and provides technical regulation for health insurance policies.
• CNOPS (Caisse Nationale des Organismes de Prévoyance Sociale)coreStrategic or Co-development PartnerANAM has a formal partnership agreement with CNOPS, one of the two managing organisms for AMO covering public sector employees. The partnership covers data exchange, regulatory coordination, and joint initiatives on coverage extension.
• CNSS (Caisse Nationale de Sécurité Sociale – Maroc)coreStrategic or Co-development PartnerCNSS is one of the two managing organisms for AMO covering private sector employees. ANAM regulates CNSS operations and coordinates on national reference tariffs, ALD coverage, and AMO policy.
• CNAMTS (Caisse Nationale de l'Assurance Maladie des Travailleurs Salariés – France)majorStrategic or Co-development PartnerTwinning agreement (accord de jumelage) between ANAM and CNAMTS of France for sharing expertise and best practices in health insurance regulation, modeling, and technical standards.
• INAMI (Institut National d'Assurance Maladie-Invalidité – Belgium)majorStrategic or Co-development PartnerFramework collaboration agreement between ANAM and INAMI of Belgium for exchange of regulatory expertise and health insurance management practices.
• CNAM (Caisse Nationale de l'Assurance Maladie – Côte d'Ivoire)majorStrategic or Co-development PartnerTwinning agreement between ANAM and CNAM of Côte d'Ivoire for sharing Moroccan health insurance regulatory experience with the Ivorian system.
• CNSS DjiboutimajorStrategic or Co-development PartnerA delegation from CNSS Djibouti visited ANAM in October 2024 to study Morocco's health coverage model. Discussions covered care basket, medical coding, medical control, information systems, and actuarial studies. Both parties agreed to establish a specific cooperation convention.
• CNAM Mauritania (Caisse Nationale d'Assurance Maladie – Mauritania)majorStrategic or Co-development PartnerA study delegation from CNAM Mauritania visited ANAM to exchange experiences on health insurance regulation and coverage extension strategies.
• Government of Mali (Ministère de la Santé et de la Protection Sociale)majorStrategic or Co-development PartnerPartnership agreement signed between ANAM and its Malian counterpart under the presidency of Mali's Minister of Health and Social Protection. Moroccan expertise in health insurance regulation shared with Mali.
• Senegalese DelegationmajorStrategic or Co-development PartnerA Senegalese delegation visited ANAM to study Morocco's health insurance regulation model, covering AMO coverage extension and regulatory frameworks.
• Swecare (Sweden)minorStrategic or Co-development PartnerA delegation representing the Swedish semi-governmental organization Swecare visited ANAM to explore potential health sector collaboration and knowledge exchange.
• CESE (Conseil Économique, Social et Environnemental)majorStrategic or Co-development PartnerANAM received a delegation from CESE's Permanent Commission on Social Affairs and Solidarity in October 2024. The visit was part of consultations for the CESE's self-referral opinion on the progress review of AMO generalization in Morocco.
• CNRA (Caisse Nationale de la Retraite – Maroc)minorOthersPartnership convention between ANAM and CNRA for exchange of data concerning RAMED-eligible widows with children and orphans under their care.
• INSEA (Institut National de Statistique et d'Économie Appliquée)minorOthersPartnership convention between ANAM and INSEA for collaboration on statistical and economic research in health insurance.
• ONDH (Observatoire National du Développement Humain)minorOthersPartnership convention between ANAM and ONDH for data sharing and research on human development as it relates to health coverage.
• CHU (Centres Hospitalo-Universitaires du Maroc)majorStrategic or Co-development PartnerPartnership convention under the Ministry of Health umbrella, signed in January 2020, covering joint initiatives on RAMED beneficiary coverage for organ transplants and other tertiary care.
• CNOM (Conseil National de l'Ordre des Médecins)coreStrategic or Co-development PartnerTripartite partnership between Ministry of Health, ANAM, and CNOM for negotiating national conventions with healthcare providers and pharmacists, and for developing therapeutic protocols and national good practice guidelines in oncology.
• AISS/ISSA (Association Internationale de la Sécurité Sociale)minorOthersANAM participates in technical seminars organized by ISSA in Algeria and other member countries, contributing to international knowledge sharing on social security and health insurance.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• AIFA (Agenzia Italiana del Farmaco): Italian medicines agency with drug reimbursement evaluation functions parallel to ANAM's Commission de Transparence and CEFPS. Comparable in its scientific reimbursement-review role even though its scope is drug-only versus ANAM's broader mandate.
• CNSS Djibouti: Djiboutian social security fund that visited ANAM in October 2024 to study its health coverage model. Emerging regional peer in early-stage health insurance system design, with explicit cooperation convention.

Regional players

• National Health Insurance Authority (NHIA) Ghana: Ghana's National Health Insurance Authority operates a comparable mandatory health insurance regulator model in West Africa, with accreditation, tariff-setting, and claims oversight functions parallel to ANAM's mandate.
• NHIF Kenya (National Hospital Insurance Fund): Kenyan mandatory health insurance authority covering a similarly structured African economy with public/private sector segmentation. Comparable in mandate scope (membership, tariffs, accreditation) though not a regulator in the strict sense ANAM is.
• CNAM Mauritanie: Mauritanian national health insurance fund that sent a delegation to study ANAM. Similar role in a neighboring North/West African country, making it a regional peer and reference client for ANAM's model.
• CNAM Côte d'Ivoire (Caisse Nationale d'Assurance Maladie): Ivorian national health insurance fund under a twinning agreement with ANAM. Operates a similar mandatory scheme architecture in West Africa and serves as a direct counterpart and potential expansion vector for ANAM's regulatory model.

Broad incumbents

• Haute Autorité de Santé (HAS, France): French independent scientific authority on health. ANAM is transitioning toward a HAS-like model, making this the explicit structural peer and aspirational benchmark for ANAM's future institutional form.
• INAMI (Institut National d'Assurance Maladie-Invalidité): Belgium's national health insurance institute and ANAM's framework collaboration partner. INAMI combines payer oversight, nomenclature/pricing, and stakeholder arbitration — closely mirroring ANAM's combined regulatory and supervisory mandate.
• CNAMTS (Caisse Nationale de l'Assurance Maladie des Travailleurs Salariés): France's national health insurance fund and ANAM's explicit twinning partner. CNAMTS manages a far larger scheme but operates the same regulatory/insurance-supervision model that ANAM is built on, making it the closest international reference for ANAM's role and architecture.
• CMS (Centers for Medicare & Medicaid Services): U.S. federal agency administering Medicare/Medicaid and overseeing health insurance regulations. Operates at vastly larger scale but serves as a global structural reference for mandatory health coverage administration and supervision.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/anamcsu
• YouTubeyoutube.com/channel/UC9bxNBntP4YQivsedxnOqkw
• Facebookfacebook.com/anamcsu
• LinkedInlinkedin.com/company/anam-maroc

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

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M&A

Investments

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Frequently asked questions about ANAM