A study that monitors the lack of “systematic health coverage” in the impoverishment of Moroccan families

An official study said that the absence of regular health coverage, including compulsory health insurance, pushes Moroccan families to increase direct spending on health, thus increasing their impoverishment.

The study, entitled “Disastrous health expenditures and their impact on the impoverishment of families: the case of Morocco”, indicates that in 2014 Moroccans spent around 6 percent of their total expenses on health services and access to them, at the expense of other basic expenses.

Catastrophic health spending, as defined by the World Health Organization, means the direct payment of personal funds without recovery in a way that exceeds the support of families. We can speak of catastrophic spending when household spending on health exceeds 40 percent of its total expenses.

If this approach is adopted in Morocco, the result reveals that 2.04% of Moroccan families in 2014 allocated more than 40% of their direct allocations to the direct execution of health services, a percentage that was in the range of 1.86% in 2006-2007.

The study, prepared by Abdel-Gawad Al-Zarari, doctor in economics and administrator of the Monitor of Living Conditions of the Population in the High Planning Commission, affirmed that Moroccan spending on health services leads more to impoverishment, and indicated that The disastrous spending within Moroccan families is the result of several combined factors related to the family and its environment, and its characteristics, as well as related to the profession of the head of the family, their gender and the extent to which they benefit from medical coverage.

The analysis of the study reveals that 20% of the poorest families in rural areas, headed by a woman, who have not received a school education, are not engaged in any income-generating activity and have at least one person aged 65 or plus. , are the most vulnerable to catastrophic spending, and thus fall into poverty.

The study was based on an approach developed by the World Health Organization to calculate catastrophic expenditures based on indicators of disparities in terms of access to health and impoverishment of families, using data from the national research on consumption and expenses of households for 2013-2014.

The document stated that access to health services in Morocco is at the expense of other basic family expenses, which pushes the latter to go into debt or even sell their assets to obtain treatment, in the absence of a social coverage system. integral, a situation that translates into the impoverishment of families.

The author of the study indicated that the royal project for the generalization of social protection, launched in April 2021, will correct imbalances and enable the establishment of an effective health system that responds to the needs of citizens in the field of health services .