Morocco’s Subsidized Health Insurance Regime for the Poor and Vulnerable Population
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World Bank, Washington, DC
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In Morocco, a reform process to
establish universal health coverage (UHC) through
nonsubsidized and subsidized social health insurance (SHI)
was launched in 2002. This case study focuses on the
subsidized SHI scheme, régime d’assistance médicale (RAMED).
This program, which is Morocco’s flagship social protection
and health program and which had the support of the King
Mohamed VI, was piloted in 2008 and scaled up to the
national level in 2012. As of November 2016, 6.35 million
people - 19 percent of the population - had valid RAMED
identification cards. RAMED relies on a sophisticated
methodology to target poor and vulnerable households,
combining proxy means testing and community targeting
methods. This case study reviews RAMED’s achievements and
identifies potential reforms to address the challenges RAMED
is facing. After presenting details of the health financing
and delivery systems and an overview of public health care,
the case study reviews RAMED’s institutional arrangements,
poverty targeting, enrolment and identification mechanisms,
benefits package, and information environment system. The
study concludes with a discussion of potential areas of improvements.
Palabras clave
UNIVERSAL HEALTH COVERAGE, HEALTH FINANCE, HEALTH SYSTEM REFORM, SERVICE DELIVERY, INSTITUTIONS, BENEFITS PACKAGE, DEMOGRAPHICS, MORTALITY, HEALTH EXPENDITURE, UNICO, UHC