National Fund for Social Welfare Organizations (Morocco)

The National Fund for Social Welfare Organizations (French: Caisse Nationale des Organismes de Prévoyance Sociale, CNOPS) is a Moroccan public institution established in 1950 as a federation of mutual benefit societies. For over seven decades, the fund served as the primary manager of the Mandatory Health Insurance (AMO) for civil servants, public sector employees, and students. In February 2026, the fund entered a transformative institutional phase following the legislative mandate to merge its operations with the National Social Security Fund (CNSS).