Voluntary insurance at the National Social Security Fund (CNPS) of Cameroon is a social protection system intended for people who are not covered by compulsory insurance. Here are the main aspects of this insurance:

Self-employed workers (Craftsmen, tradespeople, and other non-salaried workers can subscribe to this insurance).
Non-salaried persons (This also includes groups such as farmers or liberal professions who wish to benefit from social security coverage).
Contributions. Voluntary policyholders choose the amount of their contributions, which is generally lower than that of compulsory insurance. These contributions are paid monthly.
=>Benefits covered
=>Reimbursement of medical expenses.
=>Compensation during maternity leave.
=>Retirement pensions at retirement age. Compensation paid to beneficiaries in the event of the insured's death.

You must bring the following documents:

For a new insured person:
1- A registration application (on a printout, issued by the CNPS) completed and duly signed by the person concerned;
2- A certified copy of the unstamped birth certificate;
3- A certified copy of the unstamped photocopy of the national identity card;
4- A certified copy of the children's birth certificates, if applicable;
5- A map showing the location of the home or the place where the activity is carried out;
6- Proof of income (Certificate of income declaration for the previous financial year or production of a sworn statement in the absence of proof of income).

For former workers: those who have not completed the 180 months of contributions required by the mandatory social security system must also provide:

7- A work certificate or notice of cessation of employment with the last employer;
8- A sworn statement of non-affiliation to a pension plan or non-receipt of a pension

>> To register voluntarily, [Click here].
>> Total Insured Registration Form [PDF]

The annual income to be declared must be between 435,240 CFA francs and 9,000,000 CFA francs per year, or 36,270 CFA francs and 750,000 CFA francs per month.

Voluntary insurance only covers the old-age, disability, or death pension branch, with a contribution rate of 8.4% of declared annual income.
The amount of social security contributions expected for the year = 8.4% of the annual income declared by the voluntary insured.
The amount of social security contributions = 8.4% of annual income 12.

The amount of social security contributions due for the reference period is paid by the voluntary insured to authorized banks and financial institutions. Payments can be made at all Social Security Center branches in Cameroon:
- At partner banks (ECOBANK, AFRILAND FIRST BANK, UBA, SCB, SGBC)
- At microfinance institutions (Express Exchange, CCA, Express Union, Renaprov, etc.)
- By digital payment (Orange Money (OM), Mobile Money (MOMO), Credit card (via www.cnps.cm)).

After 180 consecutive months of contributions, the voluntary insured person can, from the age of 50, request payment of the various benefits provided for by law.
Each year of contributions in addition to the 180 months adds 1% to the pension calculation rate.
The pension is paid throughout the beneficiary's lifetime and to their beneficiaries in the event of their death.
The insured person who has not reached 180 months of contributions will be awarded a lump sum payment.

NB: In the event of the death of the primary insured person, the beneficiaries are the beneficiaries; In order:

- No. 1: Spouse(s)
- No. 2: Minor children (under 21)
- No. 3: Ascendants (father and mother)

>> Total insured teleregistration, [Click here].
>> Total insured registration form [PDF]

. Family benefits

These include prenatal benefits, pregnancy medical expenses, maternity benefits, childbirth medical expenses, medical expenses for infant examinations at 6 months, family benefits, and daily allowance paid to employed women on maternity leave.

>> more details [link to article on Family Benefits]

. Occupational Risks

These include treatment costs, prosthetic and orthopedic costs, functional rehabilitation costs, rehabilitation or professional retraining costs, transportation costs for the victim, transportation and accommodation costs for the accompanying person, if applicable, funeral expenses) and (daily allowance, permanent disability pension, disability allowance, survivor's pension, pension buyout, pension annuity)

>> more details [link to article on occupational risks]

. PVID

These include old-age pension, disability pension, survivor's pension, old-age allowance, old-age allowance for premature wear and tear, and survivor's allowance.

>>> see all benefits provided to policyholders (link to page)

>>> coordonnées des CPS