Mandatory employee benefits in Mali include defined benefit retirement, healthcare through the Assurance Maladie Obligatoire (AMO), disability & death. Supplementary employee benefits include defined contribution retirement, healthcare, long-term disability, death & AD&D.

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Amelie Devertu


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Supplemental employee benefits in Mali


Healthcare is the most important employee benefit to offer in Mali. Employers provide health benefits through group health insurance plans in the country because universal healthcare facilities are minimal. International healthcare insurance plans offer high-level patient care, reimbursement of out-of-pocket expenses, and emergency evacuation coverage to insureds.

A pioneer in health insurance with its third-party payment system, ASCOMA Health has a number of showcase products. With the ASCOMA Health Card for example, companies and individuals can cover current medical expenses, including optical, dentistry, pharmacy, consultations, and hospitalization. Today, Ascoma’s third-party care network has expanded throughout the country, enabling our clients’ employees to have optimal access to healthcare.

Retirement (Defined Contribution)

Employees are entitled to retirement benefits in the form of a lump sum or a lifetime annuity. They may also receive benefits as a combination of a lump-sum payment and a set number of annuities. Furthermore, employees are entitled to receive benefits in the form of a lump-sum payment of annuities in the case of early retirement, termination, or resignation.


Generally, employers do not provide separate short-term disability benefits to their employees in the country. Employers provide total and permanent disability benefits under the group insurance plan.

Death and AD&D

Employers provide death benefits through group insurance plans. Employers provide accidental death and dismemberment benefits through the group insurance plan as well.


Mandatory employee benefits


In Mali, the social protection system covers old-age pensions, disability pensions, early retirement pensions, and survivor’s pensions through:

  • National Institute for Social Security Fund (Institut National de la PrévoyanceSociale – INPS) for private-sector employees
  • Malian Social Security Fund (CaisseMalienne de SécuritéSociale – CMSS) for civil and military officials, deputies, and pensioners of the civil service


Assurance Maladie Obligatoire (AMO) covers all formal sector employees, civil servants, and their family members. Caisse Nationale d’Assurance Maladie (CANAM) administers AMO.

INPS manages the healthcare delivery, recovery of contributions, and other stipulated functions for the private sector, whereas CMSS manages it for civil servants and military personnel. Employers and employees both make contributions to funding the system.

Workers’ compensation

Workers’ compensation is governed by the Social Welfare Code 1999 and supported by the employer’s contribution, which varies from 1% – 4% of the employee’s gross salary.


Employees are entitled to cash benefits in the form of a lump-sum payment or monthly pension, depending on the degree of their disability. They are also provided with vocational and rehabilitation support.

Death benefits

The employee’s spouse and other dependent family members are entitled to survivor’s benefits paid as a lump sum and a monthly pension. They are also entitled to a funeral grant to cover burial expenses.



ASCOMA provided this information about employee benefits in Mali. Should you need support with your benefits in the country, contact Asinta, and we will put you in touch with the experts at ASCOMA.


Nothing on this country page is intended to be legal, financial, or tax advice, and readers are advised to consult with their appropriate advisors regarding any legal, financial, or tax implications this information may address.