CNAM assurance

General context

The National Health Insurance Fund (CNAM) is a non-administrative public institution with legal personality and financial autonomy. It is subject to the supervision of the Minister of Social Security established under Law 2004-71 of 2 August 2004.

Objectives and organizations

The CNAM is a new institution introduced by the health insurance reform, which aims in particular to unify health insurance schemes and health services in the country. Indeed, it is for the first time that the management of the health risk, previously carried out by the CNSS and the CNRPS, is unified into a single fund, the CNAM. This structure will rely on its 62 regional and local centers spread throughout the Tunisian territory.


The missions of the CNAM relate to:

  • The management of the health insurance plan
  • Management of statutory compensation schemes resulting from accidents at work and occupational diseases in the public and private sectors
  • Management of other statutory health insurance schemes provided for by the legislation in force
  • The provision of sickness and diaper allowances provided for by social security schemes
  • The fund is administered by a board of directors chaired by a chief executive officer designated by decree and assisted by a deputy director general.

The board of directors is composed of the following members:

  • Four members representing the state as follows:
    • A representative of the Prime Ministry
    • A representative of the Ministry of Finance
    • A representative of the Ministry of Public Health
    • A representative of the Ministry of Development
  • Three members of the most representative employers’ organizations
  • Four members of the most representative workers’ union organizations

The CNAM is organized into regional structures responsible for the provision of services and central structures mainly responsible for monitoring the activity and its evaluation.