CNAMGS (Caisse Nationale d'Assurance Maladie et de Garantie Sociale)

What CNAMGS (Caisse Nationale d'Assurance Maladie et de Garantie Sociale) does

CNAMGS (Caisse Nationale d'Assurance Maladie et de Garantie Sociale) is a Gabonese public social security institution, established in 2007 by Ordonnance n°0022/PR/2007, that operates the country's mandatory universal health insurance and social guarantee regime. It is the first mandatory universal health insurance scheme of its kind in Sub-Saharan Africa, organized around four statutory funds: Fonds 1 (private and parapublic sector employees and retirees), Fonds 2 (public sector agents and retirees), Fonds 3 (GEF — Gabonais Économiquement Faibles — and family benefits), and Fonds 4 (independent workers, voluntary insureds, and domestic workers, operationally launched October 2025). As of 2019, CNAMGS covered 1,700,105 insured persons, representing 74.6% of Gabon's estimated 2.2 million population.

The platform is built on a digital eServices portal (ecnamgs.cnamgs.ga) for insured enrollment, employer salary declarations, and partner invoice processing, complemented by an annual reimbursement formulary (MAPS) that in its 2025 edition added 159 new molecules and introduced QR-code linking to commercial brand lists. Service delivery runs through a contracted network of over 400 healthcare facilities across all ten Gabonese provinces — including university hospitals, military hospitals, private clinics, medical cabinets, laboratories, radiology centers, and 87+ pharmacies — using standardized nomenclatures (Nomenclature des Actes, Codification des Affections) for billing and audit. CNAMGS also runs sanitary evacuations abroad, including under a recent partnership with Turkey's Acibadem Hospital Group.

Revenue is generated through mandatory social contributions (public sector employer 5% / employee 2.5%; private sector 4.1% / 2%; retirees 1% on a 2,500,000 FCFA monthly ceiling), a 1% Special Solidarity Contribution on all transactions funding Fonds 3, government budgetary allocations for GEF coverage, and forthcoming forfaitary contributions under Fonds 4. Late-payment penalties (2% per month, +1% per additional month) and the new DGI cross-referencing agreement (January 2026) strengthen compliance. The institution is governed under private-law management since February 2024, supervised by the Ministry of Social Protection, and affiliated with CIPRES, AISS, and the ILO.

Name

CNAMGS (Caisse Nationale d'Assurance Maladie et de Garantie Sociale)

Legal name

Caisse Nationale d'Assurance Maladie et de Garantie Sociale

Website

https://cnamgs.ga

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

251–500 employees

Short description

CNAMGS is Gabon's mandatory universal health insurance and social guarantee institution, covering 1.7 million insured persons (74.6% of population) through four statutory funds, a 400+ provider network, and a digital eServices platform.

Ownership category

akta.pro rank

Product category

Government Health Insurance

NAICS

Health and Welfare Funds (525120), Direct Life, Health, and Medical Insurance Carriers (52411), Social Assistance (624)

SIC

Hospital & Medical Service Plans (6324), Services-Misc Health & Allied Services, Nec (8090)

akta.pro primary industry

Closed-Panel / Gatekeeper HMOs (HLAEAMAG)

akta.pro secondary industry

Non-Communicable Diseases (NCDs) & Mental Health Programs (BPADAIAK)

Keywords

• Government health insurance
• Social security administration
• Mandatory health coverage
• Healthcare benefits management
• Family benefits scheme

Headquarters

HQ city

Libreville

HQ country

Gabon

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Employer and Employee Contributions: Mandatory social contributions from employers and employees in public and private sectors. Public sector: employer 5%, employee 2.5%, retirees 1%. Private sector: employer 4.1%, employee 2%, retirees 1%. Monthly salary ceiling of 2,500,000 FCFA.
2. Special Solidarity Contribution (CSS): The GEF fund (Fonds 3) is financed by the Special Solidarity Contribution of 1% on all transactions
3. Government Subsidies: State financing through annual budgetary allocations for the family benefits regime of economically weak populations (GEF)
4. Forfaitary Contributions - Fonds 4: Independent workers and voluntary insured pay fixed contribution amounts for coverage under the newly operationalized Fonds 4

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

CNAMGS is a public social security institution that operates Gabon's mandatory universal health insurance and social guarantee regime. It administers four contribution-based funds covering private sector employees (Fonds 1), public sector agents (Fonds 2), economically weak Gabonese (Fonds 3), and independent workers (Fonds 4). Coverage includes medical care, hospitalization, medications on the MAPS reimbursable list, family benefits, and international sanitary evacuations, delivered through a network of over 400 conventioned healthcare providers and a digital eServices portal.

Product overview

CNAMGS operates a unified mandatory health insurance and social guarantee platform structured around four distinct contribution-based funds, a contracted provider network exceeding 400 facilities, and a digital eServices portal. The core offering consists of the Portail eServices (online portal for insured persons, employers, and healthcare partners), the annual MAPS reimbursable medicines list, the standardized Panier de Soins (health basket), and the contracted provider network. Four funds serve distinct insured populations: Fonds 1 for private sector employees, Fonds 2 for public sector agents, Fonds 3 for economically disadvantaged Gabonese (GEF), and the recently launched Fonds 4 for independent workers and voluntary insured. Supporting sub-products include the quarterly salary declaration system (DTR/RNP), healthcare provider conventionnement process, medical procedure nomenclature, and disease coding reference.

Differentiator

Problem solved

Functional benefit

Products and services

• Portail eServices CNAMGS Online digital portal enabling insured individuals, employers, and healthcare partners to access registration, health insurance card management, benefit inquiries, salary declarations, and online invoice processing.
• Liste des MAPS (Médicaments et Autres Produits de Santé) Remboursables Official annually updated list of reimbursable medicines and health products defining which medications are covered by CNAMGS under the health basket, with QR code linking to an additive commercial name list.
• Panier de Soins CNAMGS Defined health basket covering external care, hospitalizations, pharmaceutical products, medical devices, and international medical evacuations, with reimbursement rates of 50%, 80%, or 100% depending on service type and insured category.
• Réseau des Prestataires Conventionnés Network of over 400 contracted healthcare facilities across Gabon including university hospitals, regional hospitals, clinics, medical cabinets, dental offices, pharmacies, medical laboratories, radiology centers, dialysis units, and optical shops, covering all 10 regions of the country.
• Fonds 1 — Salariés du Secteur Privé Mandatory health insurance fund for private and parapublic sector employees and retirees, financed by employer contributions of 4.1%, employee contributions of 2%, and retiree contributions of 1%.
• Fonds 2 — Agents Publics Mandatory health insurance fund for public sector employees and retirees, including government agents, security and defense forces, parliamentary members, and constitutional institution members, financed by state employer contributions of 5%, public agent contributions of 2.5%, and retiree contributions of 1%.
• Fonds 3 — Garantie Sociale des GEF Social guarantee fund for Gabonese Economically Disadvantaged (GEF) persons, covering family benefits including birth grants (50,000 FCFA), monthly family allowances (5,000 FCFA/child), and school re-entry grants (5,000 FCFA/child), financed by the Special Solidarity Contribution (CSS, 1% of all transactions).
• Fonds 4 — Travailleurs Indépendants et Assurés Volontaires Health insurance fund covering independent workers in artisanal, commercial, and liberal professions, voluntary insured persons, and domestic workers, with operation launched in October 2025 under a progressive deployment plan.

Quantifiable outcome

• 74.6% population coverage (1.7M insured on 2.2M population)
• +4 more outcomes

Named customers6 records

Segments6 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• Direction Générale des Impôts (DGI)coreStrategic or Co-development Partner · 20 January 2026Protocol of agreement signed January 20, 2026 between CNAMGS and DGI to strengthen public governance and administrative cooperation. Objectives: combat social evasion and under-declarations; cross-reference fiscal and social data for improved control efficiency; guarantee better financing and sustainability of the national social protection system.
• Acibadem Hospital Group (Turkey)coreStrategic or Co-development Partner · 2 September 2025Partnership with Turkish hospital group Acibadem for healthcare services. Collaboration includes October Rose 2025 campaign for breast cancer awareness, strengthening CNAMGS's international healthcare partnerships for insured patient care.
• Ministère de la Protection SocialecoreOthersTechnical supervision by the Ministry of Social Protection; CNAMGS is under the tutelle of this ministry and associated with major health and social policy initiatives.
• Conférence Interafricaine de la Prévoyance Sociale (CIPRES)coreStrategic or Co-development PartnerCNAMGS is affiliated to CIPRES which sets hard law and soft law standards and conducts control missions on affiliated social protection organizations.
• Association Internationale de Sécurité Sociale (AISS)coreStrategic or Co-development PartnerCNAMGS is a member of AISS to benefit from international experience sharing and showcase its achievements in universal health coverage.
• Caisse Nationale de Sécurité Sociale (CNSS)minorStrategic or Co-development PartnerPartner organization in the social protection ecosystem; CNSS dispensation network used for medication distribution.
• Bureau International du Travail (BIT/ILO)minorStrategic or Co-development PartnerInternational Labour Organization partnership for social security expertise and best practices.
• Organisation Mondiale de la Santé (OMS/WHO)minorStrategic or Co-development PartnerWHO Representative present at technical meetings on medication lists; collaboration on health policy and medicine standards.

Scale indicators10 records

Recent moves8 records

Expansion highlights5 records

Direct peers

• National Health Insurance Fund (NHIF) Tanzania: Tanzania's mandatory health insurance fund covering public servants and formally employed individuals; comparable in operating an East/Central African national health insurance scheme with similar contribution structures and employer-based enrollment.
• RSSB (Rwanda Social Security Board): Rwanda's integrated social security administrator covering health insurance (CBHI), pension, and occupational risks; comparable as a unified African social security institution pursuing universal health coverage for its population.
• Couverture Maladie Universelle (CMU) Cameroon: Cameroon's universal health insurance agency covering formal sector employees and vulnerable populations; directly comparable as a neighboring CEMAC-zone francophone African country pursuing universal health coverage through a similar contribution-based model.
• National Health Insurance Authority (NHIA) Ghana: Ghana's National Health Insurance Authority operating the country's mandatory health insurance scheme; comparable in delivering near-universal coverage in a West African economy via a defined benefits package and accredited provider network.
• Caisse Nationale d'Assurance Maladie (CNAM Morocco): Morocco's compulsory health insurance fund administered by CNSS covering public and private sector employees; comparable in operating a multi-population social health insurance scheme in a francophone African jurisdiction with employer/employee contributions.
• Caisse Nationale de Sécurité Sociale (CNSS) Gabon: Gabon's sister social security institution handling pension and workplace injury benefits; closely comparable as a parallel national social security institution under the same government oversight, with shared dispensing network and governance model.
• National Health Insurance Fund (NHIF) Kenya: Kenya's national health insurance administrator covering both public and private sector employees via mandatory contributions; directly comparable as a Sub-Saharan African mandatory health insurance scheme with similar population-scale ambitions and employer-based contributions.

Others

• International Social Security Association (AISS/ISSA): The international organization of which CNAMGS is a member, providing standards, knowledge exchange, and awards recognition; relevant as ecosystem partner enabling CNAMGS's international benchmarking and influence.
• CIPRES (Conférence Interafricaine de la Prévoyance Sociale): Regional regulatory body overseeing social security institutions across francophone Africa; CNAMGS is affiliated with CIPRES which sets hard and soft law standards for affiliated organizations, making it a key regulatory peer and partner.

Broad incumbents

• PhilHealth (Philippine Health Insurance Corporation): The Philippines' national health insurance corporation covering the entire population via the National Health Insurance Program; comparable as a developing-economy mandatory health insurer with a defined benefit package and accredited provider network at larger scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/CNAMGS
• LinkedInlinkedin.com/company/cnamgs

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

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 CNAMGS (Caisse Nationale d'Assurance Maladie et de Garantie Sociale)