Compulsory Health Insurance (AMO) is instituted by Law 65.00 on the code of basic medical coverage. It provides basic mandatory medical coverage and guarantees universal access to health care.

The AMO thus offers equality and equity in access to care for all the population with the principle of collective and joint contribution to health expenditures.


Compulsory Health Insurance (AMO) is based on the contributory principle and the pooling of risks. It is characterized by the absence of any form of discrimination due to age, sex, nature of activity, level and nature of income. This is how the AMO allows:

  • Systematic coverage of retirees
  • Coverage of large risks without cap
  • Coverage of potential risks and real risks (management of the age of the disease)
  • The possibility of total or partial exemption of the remaining part borne by the insured
  • The possibility of health care coverage abroad
  • The possibility of support in third-party payment mode (TPM)
  • Unlimited coverage of children with disabilities
  • Maintaining coverage during:
    • 6 months for the insured and his beneficiaries in case of cessation of activity
    • 12 months for the spouse in the event of dissolution of the marriage bond
    • 24 months for the beneficiaries in case of death of the insured.
Did you find this article helpful? Share it!
Hit enter to search or ESC to close