Bamako, Mali

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Health insurance - AMO

Articles, practical guides and legal updates written by our experts.

Health insurance - AMO

Accreditation of healthcare providers

Relations between CANAM and private, public and community health centres are governed by an agreement between the two parties. The agreement includes, amongst other things:

22 June 2026Read more
Health insurance - AMO

Commencement, suspension and termination of entitlement to AMO

Entitlement to AMO benefits is subject to the prior payment of social security contributions for six months.

22 June 2026Read more
Health insurance - AMO

Contribution base

The reform was introduced following a process of consultation between the relevant stakeholders (employers, trade unions and the government) that began in 2007.

22 June 2026Read more
Health insurance - AMO

Employer membership

Entitlement to AMO benefits is subject to membership and the prior payment of social security contributions deducted at source by the employer.

22 June 2026Read more
Health insurance - AMO

How the AMO works

Compulsory health insurance is based on the principles of solidarity, contribution, risk pooling and direct billing (Article L.4).

22 June 2026Read more
Health insurance - AMO

Registration of beneficiaries

The beneficiaries of the AMO scheme are insured workers and their dependants.

22 June 2026Read more
Health insurance - AMO

Services covered by AMO

Compulsory health insurance entitles the beneficiary to reimbursement of costs relating to curative, preventive and rehabilitative care required for health reasons or in connection with maternity. These healthcare services must cover both outpatient and inpatient care.

22 June 2026Read more
Health insurance - AMO

Social security contribution collection agencies

Social security contributions in Mali are currently administered by three semi-public bodies.

22 June 2026Read more
Health insurance - AMO

The Origins of Compulsory Health Insurance (AMO)

Before the introduction of compulsory health insurance, healthcare cover for workers covered by the Labour Code was provided by the Health Protection Scheme, with an employer’s contribution rate of 2 per cent.

22 June 2026Read more

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