Impact Assessment of RAMed Medical Health Insurance on Access to Healthcare Using Instrumental Approach

The generalization of the RAMed social project on 2012 is one of the key achievements that reflects the commitment of the Moroccan State to strengthen social cohesion and the fight against vulnerability. This article proposes to study the issue of the accessibility of RAMed¡¯s to Basic Health care in Morocco and in particular, to examine, empirically, the causal effect of the coverage by the RAMed health insurance on access to health care in public hospitals. In this respect and throughout this research paper, we will try to highlight the barriers limiting the accessibility of these and to appropriate health care structures, particularly those of a geographical, socio-economic, socio-demographic and cultural nature. The quantitative analysis conducted in this manuscript highlights a differential care recourse between people covered by basic medical coverage and those who are not covered by any type of medical insurance. In detail, and taking into account social and economic variables, the use of care varies greatly and deeply depending on the coverage scheme. Indeed, members of RAMed (all types) and their descendants are those who consult medicine more than the uncovered. Thus, from the results obtained in this investigation, it is possible to identify two main lessons from which it is conceivable to sketch avenues for government action. Hence, thanks to the extension of RAMed sanitary coverage, the population has been able to access medical care, especially for the poorer classes. The promotion of health culture through awareness campaigns remain a great challenge for public action.