---
title: "Calculators"
description: "Free calculators: car premium after an accident (CRM), AMO refund, payslip deductions, CNSS pension, under-insurance and catastrophic-event payouts."
url: https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/calculators/
language: en
translations:
  fr: https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/fr/simulateurs/
  ar: https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/ar/calculators/
last_checked: 2026-10
publisher: "Assurlik"
---
# Calculators

Six estimates based on the rules in force in October 2026. They help you understand a figure or prepare a question. They do not replace a quote, a payslip or a decision by your fund.

Change any figure and the result updates at once. Nothing you type leaves your browser.

## Car premium after an accident

**Car: reduction and surcharge on your liability premium.** Insurers share a single claims record for every driver, the CRM. It lowers the liability premium by 10% for careful drivers and raises it after at-fault accidents. Estimate based on the market-wide CRM convention. The coefficient applies to the compulsory liability part of the premium. Your insurer's statement is the reference. *Interactive calculator on the web page.*

→ [How the reduction and surcharge work](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/car-insurance/#reduction-and-surcharge-the-crm)

## AMO refund

**Health: what AMO pays back.** AMO refunds a percentage of a reference tariff, not of the bill. Enter a real bill to see what is left for you, with or without complementary cover. Simplified. Medicines are refunded on the price of the reimbursable product, and ceilings apply to glasses and dental prostheses. *Interactive calculator on the web page.*

→ [What AMO reimburses](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/health-insurance-amo/#what-amo-reimburses)

## Payslip deductions

**Payslip: CNSS and AMO contributions.** For a private-sector employee. The pension and benefits contribution stops at a salary of 6,000 MAD; the health contribution applies to the whole salary. *Interactive calculator on the web page.*

→ [Contributions explained](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/health-insurance-amo/#contributions)

## CNSS pension

**CNSS old-age pension.** Private-sector scheme, at age 60, after you stop salaried work. Estimate. CNSS computes the exact amount from your declared salaries. *Interactive calculator on the web page.*

→ [The CNSS pension rules in 2026](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/retirement-pension/#the-cnss-pension-rules-in-2026)

## Under-insurance

**Under-insurance: the proportional rule.** If you declare a lower value than your property is really worth, the insurer reduces every payout in the same proportion, even for a small loss. *Interactive calculator on the web page.*

→ [How to set the sums insured](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/home-insurance/#what-it-costs-and-how-to-set-the-sums-insured)

## Catastrophic events

**Catastrophic events: what the guarantee would pay.** For insured property hit by an earthquake, a flood or another event officially declared catastrophic. The deductibles and ceilings are set by regulation. *Interactive calculator on the web page.*

→ [Ceilings and deductibles](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/earthquake-flood-insurance/#if-you-are-insured)

## Official sources

- [CNSS](https://www.cnss.ma): AMO, family allowances and private-sector pensions
- [ANAM](https://www.anam.ma): National reference tariffs and refundable medicines
- [ACAPS](https://www.acaps.ma): The insurance regulator: licensed companies and rules

## Related guides

- [Car and motorbike](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/car-insurance/)
- [Health and AMO](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/health-insurance-amo/)
- [Retirement](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/retirement-pension/)
- [Home insurance](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/home-insurance/)
- [Catastrophic events](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/earthquake-flood-insurance/)