Risk-driven management from moroccan health insurance companies perspective

Under a multidimensional environment, and given the likelihood that an event might hinder the activities or assets of a company, it has become more and more important to reconcile risks and results. For many years, company's activities were based on cost-effectiveness strategies by decreasing the overall expenses and optimizing benefits. However, companies could not be seen solely through the prism cost/benefit; in the long term, this couple generates risks that may distort the company’s sustainability. Following the emergence of various risk control and management systems, the Insurance and Social Security Supervisory Authority (ACAPS) in Morocco promised that, in the near future, risk will be embedded insolvency margins. This study provided a risk-driven management frame adapted to compulsory health insurance field (AMO) in Morocco that exposed the nature and origin of risks in order to offer concrete alternatives to delimit their consequences through previously defined indicators.