Casablanca hosted on Thursday June 6 the eighth version of the annual assembly of the Nationwide Federation of Brokers and Brokers of Morocco (FNACAM). This emblematic occasion, centered on the theme “The way forward for the insurance coverage middleman: Between the generalization of AMO and new professions for the distribution community”, introduced collectively the principle gamers and specialists within the insurance coverage sector. insurance coverage. They mentioned present tendencies, challenges and alternatives which are shaping the way forward for the occupation. This assembly made it doable to debate in depth the implications of the generalization of Obligatory Well being Insurance coverage (AMO) on the occupation of intermediaries, in addition to to discover the brand new views provided by the diversification of professions within the distribution community.
The controversy opened with a listing of the market after which turned to options to assist and strengthen the distribution community. Farid Bensaid, President of FNACAM, expressed the necessity to discover options to the numerous monetary losses suffered by the sector, estimated between 3.5 and 4 billion dirhams for insurance coverage firms, with a lack of 357 million dirhams for intermediaries in 2023.
“For intermediaries, the 400 million dirhams signify a web turnover, with only a few costs to deduct. It’s essential to seek out options for these 350 million dirhams which straight influence the sector,” he pressured.
For his half, Hassan Boubrik, Director Basic of the CNSS underlines the urgency of accelerating the transition of insurance coverage to article 114. Regardless of a legislation handed in 2002 and carried out in 2007 with a deliberate preparation interval of 5 years, the method took virtually twenty years, he mentioned. The target is to supply protection to 60% of Moroccans with out entry to care. And so as to add, due to this royal mission, thousands and thousands of households now profit from direct month-to-month help, marking vital progress in the direction of common protection and equitable entry to well being care.
Lastly, Abderrahim Chaffai, President of ACAPS, underlined the significance of supporting this transition to attenuate the influence on the sector. He insisted on the necessity to design new options and complementary merchandise to ensure ample protection and meet the expectations of policyholders.
Mr. Bensaid made three particular requests aimed toward facilitating the transition. To start with, he insisted on the necessity for a time frame to anticipate buyer reactions to the generalization of AMO and to work on options with insurance coverage firms. Then, he requested the CNSS to ensure the consistency of obligatory medical insurance in an effort to keep away from an imbalance in advantages. Lastly, he positioned emphasis on workforce administration, emphasizing the necessity for assist on this course of. Mr. Bensaid additionally urged insurance coverage firms to overview fee charges to assist intermediaries navigate this tough transition. Lastly, he despatched a request to the regulator to develop new companies and permit intermediaries to soak up the adjustments.
This occasion highlighted the complexity of the scenario and the necessity for shut cooperation between all stakeholders to make sure a clean transition to a generalized social safety system, whereas preserving the financial pursuits of the insurance coverage sector.
Asmaa Loudni
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– 2024-06-07 05:43:04