In a step aimed at consolidating compulsory basic health insurance systems under one administration, the government seeks, through Bill 54.23, to amend and supplement Law No. 65.00 related to compulsory basic health insurance. This project represents a qualitative shift in reforming the health insurance system to improve service efficiency and expand health coverage for all groups.
The bill stipulates the integration of public sector employees into the National Social Security Fund, which will contribute to establishing a single management authority for compulsory basic health insurance systems for both the public and private sectors, as well as for those unable to afford contributions. This will improve coordination between sectors and simplify administrative procedures related to health insurance, making health services more efficient and effective.
The bill provides for adapting the provisions of Law 65.00 with the new governing entity, addressing all issues related to compulsory health insurance and ending the previous mandatory coordination with mutual societies in registering individuals and medical oversight. This amendment aims to streamline procedures and achieve greater transparency in managing the health system.
Permanent employees and trainees will be integrated into the National Social Security Fund. Additionally, the assets, properties, and archives will be transferred from the National Fund for Social Welfare Organizations to the National Social Security Fund. This transfer also includes the assets, liabilities, and balances from compulsory health insurance accounts, ensuring the unification of financial and administrative responsibilities.
One of the prominent aspects of the project is the continuation of transitional agreements concluded with mutual societies, which will remain valid for a transitional period defined by a government decree. This aims to ensure a smooth transition to the new system without affecting current beneficiaries of the health system.
The bill states that the National Social Security Fund will replace the National Fund for Social Welfare Organizations in all contracts and agreements related to compulsory health insurance. This will help reduce legal and regulatory gaps and achieve greater coherence among various actors in the health system.
Under this law, the National Social Security Fund will contribute to funding medical examinations and health awareness according to priority health programs. The fund will also be required to provide financial data related to compulsory health insurance systems to the administration, allowing it to monitor financial performance and ensure system sustainability.
Bill 54.23 comes as part of the government’s efforts to strengthen the national health insurance system and provide comprehensive and effective health coverage for all Moroccans. However, public sector employees express concerns, particularly regarding the reduction of medical file reimbursement rates from the current 80% to 70% after joining the National Social Security Fund.
Employees worry that this change may negatively affect their ability to afford treatment and healthcare costs, making them less advantageous compared to the current system. Many have indicated that these concerns require an open dialogue to ensure a fair transition that preserves employees’ rights and balances the desired reforms with the continued quality of health services.
