Generalization of medical coverage, the role of insurance

The 8th Casablanca Insurance Meeting was organized by the FMSAR, under the theme “Sustainable insurance & Expansion of health coverage”.

A full house for the eighth edition of the Casablanca Insurance Meeting which started this Wednesday in the economic capital. This meeting, which was packed with more than 500 participants from 27 countries, was marked by debates around two important topics related to current events involving the insurance sector. The first concerns the sector’s contribution to sustainable development and the second concerns the role of health insurance in the context of the generalization of medical coverage.

The eighth Casablanca Insurance Meeting, which closes its work tomorrow Thursday, will have raised the level of reflection on two important themes that involve the insurance sector. This is the role that the sector assigns itself in sustainable development and the role of health insurance on the sidelines of the generalization of social coverage. This meeting, with the debate he proposed, was very mobilizing. Organized by the Moroccan Federation of Insurance and Reinsurance Companies (FMSAR), on the theme “Sustainable Insurance & Expansion of Health Coverage”, it was indeed a full house with more than 500 participants from 27 countries. Thus, for two days (March 23 and 24), operators in the sector will have debated at length and at large the risks associated with climate change and the environment. The color was announced by Hassan Bensalah, president of the FMSAR, during the opening of the work of this meeting: “On the Moroccan market, this subject has always been one of our priorities.

Concrete actions have been implemented, with the public authorities, to mitigate the impact of climatic phenomena. The multi-risk climate created in 2011 is a good example of this, as is the compulsory cover scheme against the consequences of catastrophic events, launched in 2020”. However, all the risks are not yet covered, he qualifies, noting that “we have to go there gradually and with control, in order to be able to build viable and sustainable systems”. Climate issues are therefore added to another major and for the less urgent issue: the integration by the CNSS of 22 million additional people in health coverage. “The project to expand health coverage will undoubtedly cause a significant change for our market and will open the door to interesting opportunities for supplementary insurance. Especially since they are conducive to innovation, in particular through the integration of comfort and assistance services,” explains Bensalah.

The system of medical coverage currently in force in Morocco is characterized by two-tier insurance: basic coverage provided by the basic compulsory health insurance (AMO) schemes and additional coverage offered mainly by mutual societies (regies by the dahir of 12 November 1963 on the status of mutuality) and by insurance and reinsurance companies. On the other hand, it is clear that 15 years after the entry into force of Law No. 65-00 establishing the Basic Medical Coverage Code, a large part of the population subject to AMO of employees of private and public sectors (nearly 1.8 million policyholders) remained covered either by means of group insurance contracts with insurance companies, or with mutual insurance companies, or even within the framework of internal funds. “This population continues to benefit from the data given by the provisions of article 114 of the said law, to the detriment of the fundamental principles of AMO, namely solidarity, equity and the pooling of risks”, notes Othman El Alamy, interim president of the Insurance and Social Welfare Supervisory Authority (ACAPS).

This situation has generated, according to the official, a certain inequity between the sometimes insured of the different modes of coverage and an injustice towards retirees who are, in some cases, deprived of any health coverage. “We suggest that this situation be brought to an end by making the necessary changes,” adds El Alamy. It goes without saying that the settlement of this situation will have an impact both on the financial situation of the organizations managing AMO and on the entities currently providing this optional cover, in particular those operating in the insurance sector (companies and warranties). According to the first estimates made by the Authority, the number of relevant persons in the private sector insured under the provisions of Article 114, mainly through group health insurance contracts, amounts to 672,000 (less than a quarter of the number of private sector AMO members) for a payroll of 66.3 billion dirhams, thus representing nearly 50% of the private sector AMO payroll.

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