INAM : Institut National d'Assurance Maladie du Togo

What INAM : Institut National d'Assurance Maladie du Togo does

The Institut National d'Assurance Maladie du Togo (INAM) is a Togolese government state institution (établissement public) headquartered in Lomé that administers mandatory public health insurance for civil servants and their dependents. It was established under Law N°2021-022 of October 18, 2021, which created the Universal Health Insurance (AMU) framework; in July 2022, the Council of Ministers transferred AMU management to INAM, expanding its mandate from civil-servant-only coverage toward universal coverage, including a School AMU sub-program for primary and secondary students. Contributions are collected via mandatory 3.5% payroll deductions from active public servants (matched 3.5% by the government as employer), with the same rate applying to retired civil servants through pension deductions.

INAM's operational stack comprises a smart-card insurance system (carte à puce) embedding beneficiary biometric and demographic data, the ID_INAM mobile application used by conventioned providers for two-step identity verification via QR-code scanning and facial-recognition matching, and web platforms (Prestaplus for conventioned-provider directories and AMU-covered products, and services.inam.tg for beneficiary self-service). Coverage includes illness, non-professional accidents, maternity, chronic-disease treatments, and long-duration conditions (ALD), delivered through a national network of conventioned public and private pharmacies, health centers, hospitals, and ophthalmology establishments spanning all six Togolese regions.

The institution's go-to-market is institutional rather than commercial: it serves a single buyer (the Togolese state), reaches beneficiaries through employer-based enrollment and liaison offices, and exercises regulatory oversight of its provider network in coordination with CNSS and CRT. As a publicly mandated monopoly, INAM has no private funding rounds, no venture backing, and no disclosed revenue figures; its revenue mechanics are anchored in statutory contributions and state budget allocations rather than market pricing.

Name

INAM : Institut National d'Assurance Maladie du Togo

Legal name

Institut National d'Assurance Maladie du Togo (INAM Togo)

Website

https://inam.tg

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

INAM is Togo's national public health insurance institution, administering mandatory health coverage for civil servants and their dependents and, since 2022, the Universal Health Insurance (AMU) program. It funds operations via 3.5% payroll contributions matched by the government and delivers services through a nationwide conventioned provider network supported by smart-card and facial-recognition identity verification.

Ownership category

akta.pro rank

Product category

Public Health Insurance

NAICS

Administration of Public Health Programs (92312), Health Care and Social Assistance (62), Public Administration (92)

SIC

Hospital & Medical Service Plans (6324), Services-Health Services (8000), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Utilization Management (Prior Auth/Medical Necessity) Administration (HLAEALAF)

akta.pro secondary industries

Individual Health Insurance Administration (TPA/ASO) (FSAIAEAK), Identity & Access Management (IAM) for Healthcare (HLACAJAA)

Keywords

• Public health insurance
• Government health coverage
• Social security contributions
• Healthcare provider network
• Universal health insurance

Headquarters

HQ city

Lomé

HQ country

Togo

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Healthcare or Claims Payouts, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Mandatory Health Insurance Contributions: INAM operates as a mandatory public health insurance scheme funded by contributions from public servants (employees) and their employers (government). Both parties contribute equally through payroll deduction.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

INAM administers Togo's mandatory public health insurance scheme covering illness, non-professional accidents, and maternity for active and retired public servants and their dependents. Since 2022, it also manages the Assurance Maladie Universelle (AMU), including the School AMU program for primary and secondary students. Services are delivered through a national network of conventioned healthcare providers (pharmacies, clinics, hospitals, optics) and supported by digital tools including the ID_INAM mobile application, the PRESTAPLUS web platform, and the online services portal.

Product overview

INAM operates as a multi-platform health insurance system comprising a core smart card insurance system (carte à puce) for public civil servants and their dependents, a mobile verification application (ID_INAM) with facial recognition for providers, and web portals (PRESTAPLUS and services.inam.tg) for service provider directories and online services. Since 2022, INAM also manages the Assurance Maladie Universelle (AMU) program extending coverage to the general population, including School AMU for students. The organization maintains a network of conventionated healthcare providers across Togo including hospitals, clinics, pharmacies, and optics establishments.

Differentiator

Problem solved

Functional benefit

Products and services

• Mandatory Public Health Insurance (Civil Servant Scheme) Government-mandated health insurance covering illness, non-professional accidents, and maternity for active and retired Togolese public servants and their eligible dependents. Includes coverage for chronic disease treatments and long-term conditions (ALD).
• Assurance Maladie Universelle (AMU) Togo's universal health insurance program established by Law N°2021-022, extending coverage beyond civil servants to the broader Togolese population. Managed by INAM since July 2022 following a Council of Ministers decision.
• Healthcare Coverage Services Coverage services for risks related to illness, non-professional accidents, and maternity for public agents and their beneficiaries, including chronic disease treatments (TPC) and long-term conditions (ALD).
• ID_INAM Mobile Application Mobile application used by conventioned healthcare providers (pharmacies and health centers) to verify the identity of INAM insurance card holders through QR code scanning and facial recognition technology.
• PRESTAPLUS Platform Web platform for consulting the list of conventioned healthcare service providers and health products covered by INAM. Beneficiaries and providers access it for information about covered services, acts, and medications.
• Online Services Portal (services.inam.tg) Web portal providing online services to beneficiaries and healthcare providers for managing health insurance matters, checking coverage, and accessing INAM services digitally.
• Smart Card System (Carte à Puce) Insurance cards with embedded QR codes containing beneficiary information (photo, name, INAM number, blood type) used for verification at conventioned healthcare providers. Available for civil servants, defense and security forces, and retirees.

Named customers2 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability2 records

Feature2 records

Partnerships

Three partnerships are on record, tiered core and minor.

• Caisse de Retraites du Togo (CRT)coreStrategic or Co-development Partner · 12 July 2026Coordination on pension rights and retirement benefits for insured persons. Joint mechanism for coordinated liquidation of pension rights between CRT and CNSS. Joint communications regarding admission to pension rights.
• Caisse Nationale de Sécurité Sociale (CNSS)coreStrategic or Co-development Partner · 21 November 2025Joint management of Universal Health Insurance (AMU) with CNSS. Both institutions collaborate on provider partnerships, sectoral conventions, and benefit coordination. Joint communiqués issued regarding partnership suspensions and new optical sector conventions.
• First Digital ImpactminorImplementation/ SI/ Consulting PartnerWebsite development and digital communication agency responsible for the design and maintenance of INAM's official website (inam.tg)

Scale indicators1 record

Recent moves6 records

Expansion highlights6 records

Direct peers

• Caisse Nationale d'Assurance Maladie (CNAM) Côte d'Ivoire: Ivorian national health insurance fund operating mandatory AMU scheme — same francophone West African context as INAM with comparable legal framework for universal coverage expansion.
• Régime d'Assistance Médicale (RAMED) Morocco: Moroccan medical assistance regime for low-income and informal populations — comparable to INAM's AMU ambition to extend coverage beyond formal-sector employees.
• Caisse de Retraites du Togo (CRT): Togolese pension institution partnering with INAM on coordinated pension rights liquidation and joint communications regarding insured persons; both serve the same public-servant population with complementary social security mandates.
• Caisse Nationale de Sécurité Sociale (CNSS) Côte d'Ivoire: Ivorian social security institution with overlapping health insurance administration responsibilities; comparable in scale and mandate to CNSS Togo as INAM's joint-management counterpart.
• National Hospital Insurance Fund (NHIF) Kenya: Kenya's national health insurance fund providing mandatory health coverage to formal-sector employees — directly comparable to INAM's civil-servant scheme with similar payroll-deduction contribution model.
• National Health Insurance Authority (NHIA) Ghana: Ghana's national health insurance authority administering the National Health Insurance Scheme (NHIS) — a comparable statutory health insurance body serving a West African population with similar mandatory enrollment and provider conventioning model.
• Caisse Nationale de Sécurité Sociale (CNSS) of Togo: Sister Togolese social security institution that jointly manages provider partnerships and benefit coordination with INAM; both administer mandatory social contributions and have issued joint communiqués and sanctions against providers.
• Caisse Nationale d'Assurance Maladie et de Garantie Sociale (CNAMGS) Gabon: Gabonese national health insurance and social guarantee fund — francophone African peer administering mandatory health coverage with similar public-sector employer contribution model.

Others

• World Health Organization (WHO) Africa Region: Multilateral health agency supporting African governments in building universal health coverage systems; relevant contextual stakeholder for INAM's AMU policy framework and donor-supported technical assistance.

Broad incumbents

• National Health Insurance Scheme (NHIS) Nigeria: Nigeria's national health insurance scheme operating formal-sector mandatory coverage with broader geographic and population scope; useful comparable for INAM's AMU expansion trajectory.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/InamTogo
• LinkedInlinkedin.com/company/inam-institut-national-d-assurance-maladie-du-togo

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

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M&A

Investments

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Frequently asked questions about INAM : Institut National d'Assurance Maladie du Togo