CNSS family allowances

Contributory scheme run by the Caisse Nationale de Sécurité Sociale (CNSS) for private-sector employees:

• MAD 300/month for each of the first 3 children
• MAD 36/month from the 4th child (up to 3 extra children, so 6 total)

Eligibility:

• Minimum 108 contribution days over 6 months
• Wage ≥ 60% of SMIG (statutory minimum wage)
• Children < 12 (or < 18 if students/apprentices, < 21 if higher-ed students, no age limit if disabled)

CNOPS — Civil servants scheme

For public servants, the Caisse Nationale des Organismes de Prévoyance Sociale (CNOPS) pays:

• Equivalent family allowances (MAD 300 for first 3 + MAD 36)
• Paid by the Treasury through payroll
• Mandatory AMO health coverage

Direct Social Aid (Aide Sociale Directe – ASD)

Flagship of the 2021–2025 social protection generalisation, rolled out from December 2023:

• MAD 200/month per enrolled child (under 21) — max 6 children
• MAD 500/month for children with disabilities
• MAD 500/month from the 3rd child if all are under 6
• MAD 2,000 lump sum at birth for each newborn
• MAD 1,000 lump sum for households without children

Targeted via the Unified Social Register (RSU) based on the socio-economic index. Paid by the Agence Nationale des Allocations Familiales (ANAF) via bank transfer / mobile money.

AMO Tadamon — universal health coverage

Replaces RAMED since December 2022. Health coverage for 11 million vulnerable Moroccans:

• Covers primary care, hospitalisation, essential medicines
• Free for beneficiaries below the RSU threshold
• Targeted via RSU + symbolic contribution for households above the threshold
• Managed by CNSS

Combined with employee AMO (CNSS) and civil servant AMO (CNOPS), the goal is universal health coverage of the Moroccan population.

Maternity and paternity leave

Maternity leave:

• 14 weeks (7 before + 7 after birth)
• CNSS daily indemnity at 100% of capped average salary (MAD 6,000/month)
• Possible unpaid extension of 90 days

Paternity leave:

• 3 days paid by the employer
• No extension currently planned

Tayssir — school enrolment support

Conditional cash transfer programme linked to school enrolment in rural areas:

• MAD 60–140/month per enrolled child by age
• Paid to mothers, conditional on school attendance (max 4 absences/month)
• Covers primary and lower-secondary in disadvantaged areas
• Beneficiaries: ~700,000 families, ~2.4 million children

Being progressively integrated into the ASD from 2024.

Official sources

• CNSS Morocco
• Agence Nationale des Allocations Familiales (ANAF)
• Ministry of Solidarity — Direct Social Aid
• Tayssir — Ministry of Education