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Data & Analytics
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2 1 - ‫العقد‬ ‫مضمون‬ 2 - ‫المضمونة‬ ‫الخدمات‬ 3 - ‫االستثناءات‬ 4 - ‫التدبير‬ ‫مسطرة‬ 5 ‫ـ‬ ‫المباشر‬ ‫التحمل‬ ‫نظام‬ ‫فهرس‬
3 ‫موضوع‬ ‫الضمان‬ ‫حادثة‬ ‫أو‬ ‫مرض‬ ‫حالة‬ ‫في‬ ‫العقد‬ ‫يضمن‬ ‫التعويض‬ ‫للفرق‬ ‫المباشر‬ ‫التحمل‬ ‫أو‬ ‫لمنظمات‬ ‫الوطني‬ ‫الصندوق‬ ‫يتحمله‬ ‫الذي‬ ‫المبلغ‬ ‫و‬ ‫المدفوعة‬ ‫المصاريف‬ ‫بين‬ ‫االجتماعي‬ ‫االحتياط‬ ‫التعاقدية‬ ‫النسب‬ ‫و‬ ‫األسقف‬ ‫حدود‬ ‫في‬ ‫نسبة‬ ‫التعويض‬ 100 % ‫مما‬ ‫المنخرط‬ ‫عاتق‬ ‫على‬ ‫يتبقى‬ ‫السقف‬ ‫العام‬ ‫التعاقدي‬ 000 000 1 ‫في‬ ‫درهم‬ ‫السنة‬ ‫ل‬ ‫كل‬ ‫شخص‬ ‫مرض‬ ‫كل‬ ‫عن‬ ‫و‬ ‫ذلك‬ ‫في‬ ‫بما‬ ‫زرع‬ ‫األعضاء‬
4 ‫المستفيد‬ ‫و‬ ‫ن‬ * ‫الم‬ ‫وظف‬ ‫المؤمن‬ ‫له‬ ‫المزاول‬ ‫للعمل‬ ‫تحديد‬ ‫دون‬ ‫السن‬ ‫إلى‬ ‫حين‬ ‫ت‬ ‫قاعد‬ ‫ه‬ * ‫المتقاعدون‬ ‫زوج‬ = ‫أو‬ ‫زوج‬ ‫زو‬ ‫جة‬ ( ‫زوجات‬ ‫أو‬ ) ‫المؤمن‬ ‫المنخرط‬ ‫له‬ = ‫أبناء‬ ‫يتجاوز‬ ‫لم‬ ‫الذين‬ ‫له‬ ‫المؤمن‬ ‫المنخرط‬ ‫سنهم‬ 21 ‫أو‬ ‫سنة‬ 26 ‫سنة‬ ‫د‬ ‫يتابعون‬ ‫الذين‬ ‫لألبناء‬ ‫بالنسبة‬ ‫ر‬ ‫استهم‬ • ‫األبناء‬ ‫المعاقون‬ ‫دون‬ ‫ت‬ ‫حد‬ ‫يد‬ ‫السن‬ • ‫األرامل‬ • ‫عن‬ ‫سنهم‬ ‫يقل‬ ‫الذين‬ ‫األبوين‬ ‫من‬ ‫األيتام‬ 26 ‫سنة‬ ‫المنخرطو‬ ‫ن‬ ‫جد‬ ‫يد‬ ‫جد‬ ‫يد‬ ‫جد‬ ‫يد‬
5 ‫االنخراط‬ ‫تحيين‬ ‫و‬ ‫االنخراط‬
6 ‫أجل‬ ‫التعويض‬ ‫الحساب‬ ‫إلى‬ ‫وتحويله‬ ‫التكميلي‬ ‫التعويض‬ ‫تسديد‬ ‫يتم‬ ‫البنكي‬ ‫للمنخرط‬ ‫أقصاه‬ ‫أجل‬ ‫في‬ 15 ‫يوما‬ ‫التوصل‬ ‫تاريخ‬ ‫من‬ ‫ابتداء‬ ‫للسداد‬ ‫قابال‬ ‫و‬ ‫كامال‬ ‫بالملف‬ .
7 1 - ‫مضمون‬ ‫العقد‬ 2 - ‫المضمونة‬ ‫الخدمات‬ 3 - ‫االستثناءات‬ 4 - ‫التدبير‬ ‫مسطرة‬ 5 ‫ـ‬ ‫المباشر‬ ‫التحمل‬ ‫نظام‬ ‫فهرس‬
8 ‫الخدمات‬ ‫المضمونة‬ * ‫تشمل‬ ‫الطبية‬ ‫االستشارات‬ ‫االشع‬ ‫الفحوصات‬ ‫ــ‬ ‫البيولوجية‬ ‫التحاليل‬ ‫ــ‬ ‫اعية‬ ‫األدوية‬ ‫مصاريف‬ ‫ـــ‬ . ‫الموصوفة‬ ‫االدوية‬ ‫و‬ ‫الطبي‬ ‫الترويض‬ ‫ـــ‬ . ‫العالجات‬ ‫المتنقلة‬ ‫المتعلقة‬ ‫باألمراض‬ ‫األمد‬ ‫طويلة‬ ‫أو‬ ‫والمكلفة‬ ‫المزمنة‬ ‫و‬ ‫الصحة‬ ‫وزارة‬ ‫قرار‬ ‫في‬ ‫المحددة‬ ‫االجبارية‬ ‫الصحية‬ ‫التغطية‬ ‫طرف‬ ‫من‬ ‫عليها‬ ‫المؤمن‬ .
‫درهم‬ 660 ‫التحاليل‬ ‫البيولوجية‬ ‫التعويض‬ ‫أساس‬ ‫عدد‬ B ‫نسبة‬ ‫التعويض‬ ‫طرف‬ ‫من‬ ‫المعوض‬ ‫المبلغ‬ ‫ج‬ ‫ح‬ ‫م‬ ‫و‬ ‫ص‬ CNOPS ‫من‬ ‫المعوض‬ ‫المبلغ‬ ‫طرف‬ ‫التكميلي‬ ‫القطاع‬ ‫للتعاضدية‬ ‫التعويض‬ ‫االجمالي‬ ‫االساسي‬ 1,10 TNR ‫م‬ ‫و‬ ‫ت‬ B 400 80 % 400x1,10x80%= 352 88,00 440,00 ‫التعويض‬ ‫أساس‬ ‫المصاريف‬ ‫المدفوعة‬ ‫عاتق‬ ‫على‬ ‫تبقى‬ ‫ما‬ ‫المنخرط‬ ‫التعويض‬ ‫نسبة‬ ‫سنالم‬ ‫من‬ ‫المعوض‬ ‫المبلغ‬ ‫طرف‬ ‫سنالم‬ 660 ,00 660,00 – 440,00 = 220,00 100 % 220,00 ‫االجمالي‬ ‫التعويض‬ 440,00 + 220,00 = 660,00 0 BASE CNOPS AMC SANLAM ‫الخطيرة‬ ‫األمراض‬ ‫و‬ ‫المزمنة‬ ‫باألمراض‬ ‫المتعلقة‬ ‫المتنقلة‬ ‫العالجات‬
‫درهم‬ 350,00 ECG ‫طبيب‬ ‫القلب‬ ‫مع‬ ‫التخطيط‬ ‫التعويض‬ ‫أساس‬ ‫نسبة‬ ‫التعويض‬ ‫طرف‬ ‫من‬ ‫المعوض‬ ‫المبلغ‬ ‫ج‬ ‫ح‬ ‫م‬ ‫و‬ ‫ص‬ CNOPS ‫طرف‬ ‫من‬ ‫المعوض‬ ‫المبلغ‬ ‫للتعاض‬ ‫التكميلي‬ ‫القطاع‬ ‫دية‬ ‫االجمالي‬ ‫التعويض‬ ‫االساسي‬ 250 TNR ‫م‬ ‫و‬ ‫ت‬ 80 % 200,00 8,50 208,50 ‫التعويض‬ ‫أساس‬ ‫المصاريف‬ ‫المدفوعة‬ ‫عاتق‬ ‫على‬ ‫تبقى‬ ‫ما‬ ‫المنخرط‬ ‫التعويض‬ ‫نسبة‬ ‫سنالم‬ ‫من‬ ‫المعوض‬ ‫المبلغ‬ ‫طرف‬ ‫سنالم‬ 350,00 350,00 – 208,50 = 141 ,50 100 % 141,50 ‫االجمالي‬ ‫التعويض‬ = 208,50 + 141,50 = 350,00 0 BASE CNOPS AMC SANLAM ‫الخطيرة‬ ‫األمراض‬ ‫و‬ ‫المزمنة‬ ‫باألمراض‬ ‫المتعلقة‬ ‫المتنقلة‬ ‫العالجات‬
11 ‫الخدمات‬ ‫المضمونة‬ ‫االستشفاء‬ ‫الطبي‬ ‫أو‬ ‫الجراحي‬ • ‫االستشفاء‬ ‫الطب‬ ‫ي‬ ‫بالمغرب‬ ‫الجراحي‬ ‫أو‬ ‫و‬ ‫بالخارج‬ : ‫يتم‬ ‫تعويض‬ ‫الفرق‬ ‫بي‬ ‫ن‬ ‫المدفوعة‬ ‫المصاريف‬ ‫و‬ ‫المتحمل‬ ‫المبلغ‬ ‫المعوض‬ ‫أو‬ ‫الصندوق‬ ‫طرف‬ ‫من‬ ‫حدود‬ ‫في‬ ‫االجتماعي‬ ‫االحتياط‬ ‫لمنظمات‬ ‫الوطني‬ % 200 ‫المغربية‬ ‫للجمعية‬ ‫المرجعية‬ ‫التعريفة‬ ‫من‬ ‫الوطني‬ ‫الجمعية‬ ‫و‬ ‫التأمين‬ ‫إعادة‬ ‫و‬ ‫التأمين‬ ‫لشركات‬ ‫ة‬ ‫الخصوصية‬ ‫للمصحات‬ ‫جد‬ ‫يد‬
‫التعويض‬ ‫أساس‬ ‫التعويض‬ ‫نسبة‬ ‫طرف‬ ‫من‬ ‫المعوض‬ ‫المبلغ‬ ‫ج‬ ‫ح‬ ‫م‬ ‫و‬ ‫ص‬ CNOPS 6500, 00 TNR ‫م‬ ‫و‬ ‫ت‬ 90 % 5850,00 ‫التعويض‬ ‫أساس‬ FMSAR T R ‫م‬ ‫ت‬ ‫عاتق‬ ‫على‬ ‫تبقى‬ ‫ما‬ ‫المنخرط‬ ‫التعويض‬ ‫نسبة‬ ‫سنالم‬ ‫من‬ ‫المعوض‬ ‫المبلغ‬ ‫طرف‬ ‫سنالم‬ 10.050,00 x 200%= 20.100,00 15.000 – 5.850 = 9.150 100 % 9.150,00 ‫االجمالي‬ ‫التعويض‬ 5850+ 9.150 = 15.000,00 0,00 BASE CNOPS AMC SANLAM ‫الخطيرة‬ ‫أو‬ ‫المزمنة‬ ‫غير‬ ‫األمراض‬ ‫لعالج‬ ‫االستشفاء‬ ‫حاالت‬ FMSAR ‫التعريفة‬ ‫التعويض‬ ‫أساس‬ ‫المرجعية‬ ‫درهم‬ ‫اعتام‬ ‫عدسة‬ ‫العين‬ ( ‫جاللة‬ ) 15.000
‫التعويض‬ ‫أساس‬ ‫بالدرهم‬ ‫التعويض‬ ‫نسبة‬ ‫طرف‬ ‫من‬ ‫المعوض‬ ‫المبلغ‬ ‫ج‬ ‫ح‬ ‫م‬ ‫و‬ ‫ص‬ CNOPS 3 000 TNR ‫م‬ ‫و‬ ‫ت‬ 90 % ‫درهم‬ 2 700 ‫التعويض‬ ‫أساس‬ FMSAR T R ‫م‬ ‫ت‬ ‫عاتق‬ ‫على‬ ‫تبقى‬ ‫ما‬ ‫المنخرط‬ ‫التعويض‬ ‫نسبة‬ ‫سنالم‬ ‫من‬ ‫المعوض‬ ‫المبلغ‬ ‫طرف‬ ‫سنالم‬ ‫درهم‬ 3700*200%= ‫درهم‬ 7400 7400 – 2 700= ‫درهم‬ 4700 100 % ‫درهم‬ 4700 ‫درهم‬ 7500 ‫استئصال‬ ‫اللوزتين‬ ‫النظام‬ ‫التعاضدي‬ ‫أو‬ ‫المزمنة‬ ‫غير‬ ‫األمراض‬ ‫لعالج‬ ‫االستشفاء‬ ‫حاالت‬ ‫الخطيرة‬ AMC ‫نالم‬َ‫س‬ ‫للتأمين‬ ‫االجمالي‬ ‫التعويض‬ 2700 + 4700 = 7400 100
‫التعويض‬ ‫أساس‬ ‫التعويض‬ ‫نسبة‬ ‫طرف‬ ‫من‬ ‫المعوض‬ ‫المبلغ‬ ‫ج‬ ‫ح‬ ‫م‬ ‫و‬ ‫ص‬ CNOPS 38.000, 00 TNR ‫م‬ ‫و‬ ‫ت‬ 90 % 34.200,00 ‫التعويض‬ ‫أساس‬ FMSAR T R ‫م‬ ‫ت‬ ‫عاتق‬ ‫على‬ ‫تبقى‬ ‫ما‬ ‫المنخرط‬ ‫التعويض‬ ‫نسبة‬ ‫سنالم‬ ‫من‬ ‫المعوض‬ ‫المبلغ‬ ‫طرف‬ ‫سنالم‬ 46.000,00 x 200%= 92.000,00 90.000 – 34.200 = 55.800 100 % 55.800,00 ‫االجمالي‬ ‫التعويض‬ 34.200 + 55.800 = 90.000,00 0,00 BASE CNOPS AMC SANLAM ‫األمراض‬ ‫لعالج‬ ‫االستشفاء‬ ‫حاالت‬ ‫الخطيرة‬ ‫أو‬ ‫المزمنة‬ FMSAR ‫التعريفة‬ ‫التعويض‬ ‫أساس‬ ‫المرجعية‬ Dilatation vasculaire 2 artères avec Stents 90.000 Dhs
‫الخاصة‬ ‫الحاالت‬
16 ‫مالحظة‬ ‫السق‬ ‫ف‬ ‫الخاصة‬ ‫الحالة‬ ‫اإلطار‬ ‫و‬ ‫الزجاج‬ ‫فترة‬ ‫كل‬ ‫عن‬ ‫العدسات‬ ‫أو‬ 24 ‫و‬ ‫شهرا‬ 12 ‫من‬ ‫أقل‬ ‫لألطفال‬ ‫شهرا‬ 16 ‫سنة‬ 600 ‫البصريات‬ ‫من‬ ‫أقل‬ ‫لألطفال‬ 16 ‫نصف‬ ‫فترة‬ ‫كل‬ ‫عن‬ ‫سنة‬ ‫لمدة‬ ‫و‬ ‫سنة‬ 6 ‫فترات‬ 1.5 00 ‫األسنان‬ ‫تقويم‬ ‫مرض‬ ‫كل‬ ‫عن‬ ‫سنويا‬ ‫مستفيد‬ ‫لكل‬ ‫و‬ 1.0 00 ‫سكانير‬ ‫مرض‬ ‫كل‬ ‫عن‬ ‫سنويا‬ ‫مستفيد‬ ‫لكل‬ ‫و‬ 2.2 00 ‫بالرنين‬ ‫التصوير‬ ‫المغناطيسي‬ ‫حادث‬ ‫كل‬ ‫عن‬ ‫سنويا‬ ‫مستفيد‬ ‫لكل‬ ‫و‬ 3.0 00 ‫الطبي‬ ‫الترويض‬ ‫للواحدة‬ ‫و‬ ‫مستفيد‬ ‫لكل‬ ‫سنويا‬ 3.0 00 ‫السمعية‬ ‫الرمامة‬ ‫مستفيد‬ ‫لكل‬ ‫و‬ ‫سنويا‬ 3.0 00 ‫األعضاء‬ ‫تقويم‬ ‫جهاز‬ ‫التبديل‬ ‫و‬ 400 1200 500 2000
17 ‫والدة‬ ‫كل‬ ‫عن‬ 2.00 0 ‫بالعملية‬ ‫الوالدة‬ ‫القيصرية‬ ‫سنويا‬ 100 ‫البروستات‬ ‫تحاليل‬ PSA ‫مستفيد‬ ‫لكل‬ ‫و‬ ‫سنويا‬ 1.00 0 ‫القولون‬ ‫تنظير‬ ‫مستفيد‬ ‫لكل‬ ‫و‬ ‫سنويا‬ 500 ‫الشعاعي‬ ‫التصوير‬ ‫للثدي‬ ‫مستفيد‬ ‫لكل‬ ‫و‬ ‫سنويا‬ 200 ‫للثدي‬ ‫بالصدى‬ ‫التصوير‬ ‫بوصفة‬ ‫مدة‬ ‫طيلة‬ ‫واحد‬ ‫ملف‬ ‫و‬ ‫طبية‬ ‫االنخراط‬ 8.000 PET SCAN ‫بيتسكان‬ ‫مستفيد‬ ‫لكل‬ ‫و‬ ‫سنويا‬ 150 ‫الرح‬ ‫عنق‬ ‫مسحة‬ ‫م‬ ‫خمس‬ ‫من‬ ‫أقل‬ ‫األطفال‬ ‫تخص‬ ‫سنوات‬ ‫تعويض‬ ‫لقاحات‬ ‫األطفال‬ ‫مالحظة‬ ‫السقف‬ ‫الخاصة‬ ‫الحالة‬ ‫جد‬ ‫يد‬ 300
18 1 - ‫العقد‬ ‫مضمون‬ 2 - ‫الخدمات‬ ‫المضمونة‬ 3 - ‫االستثناءات‬ 4 - ‫مسطرة‬ ‫التدبير‬ 5 ‫ـ‬ ‫التحمل‬ ‫نظام‬ ‫المباشر‬ ‫فهرس‬
19 ‫االستثناءات‬ • ‫التجميلية‬ ‫الجراحة‬ ‫ــ‬ ‫باإلبر‬ ‫الوخز‬ ‫ــ‬ ‫العالج‬ ‫البحر‬ ‫بمياه‬ ‫والخدم‬ ‫ات‬ ‫بالطب‬ ‫يسمى‬ ‫ما‬ ‫إطار‬ ‫في‬ ‫المقدمة‬ ‫البديل‬ . • ‫يستثنيه‬ ‫ما‬ ‫وكل‬ ‫االحتياط‬ ‫لمنظمات‬ ‫الوطني‬ ‫الصندوق‬ ‫االجتماعي‬ AMO CNOPS ‫يستثنى‬ ‫من‬ ‫الضمان‬
20 1 - ‫العقد‬ ‫مضمون‬ 2 - ‫الخدمات‬ ‫المضمونة‬ 3 - ‫االستثناءات‬ 4 - ‫مسطرة‬ ‫التدبير‬ ‫و‬ ‫التسيير‬ 5 ‫ـ‬ ‫التحمل‬ ‫نظام‬ ‫المباشر‬ ‫فهرس‬
21  ‫يسلم‬ ‫الوكيل‬ ‫العام‬ ‫لشركة‬ ‫سنالم‬ ‫للتأمين‬ ‫وصل‬ ‫إيداع‬ ‫عن‬ ‫كل‬ ‫ملف‬ ‫يودع‬ ‫بوكالت‬ ‫ه‬ .  ‫يتم‬ ‫إشعار‬ ‫المنخرط‬ ‫عن‬ ‫كل‬ ‫ملف‬ ‫أو‬ ‫طلب‬ ‫تحمل‬ ‫مباشر‬ ‫مرفوض‬ . ‫قواعد‬ ‫خاصة‬ ‫بطلبات‬ ‫التعويض‬  ‫طريق‬ ‫تان‬ ‫لالستفادة‬ ‫من‬ ‫التعويض‬ : ‫عامة‬ ‫قواعد‬ 2/2 ‫إجراءات‬ ‫تحضير‬ ‫الملفات‬ ‫ومسطرة‬ ‫التدبير‬
22 - ‫إيداع‬ ‫ال‬ ‫النسخة‬ ‫مصورة‬ ‫م‬ ‫الملف‬ ‫ن‬ ‫و‬ ‫ال‬ ‫مصادق‬ ‫من‬ ‫عليها‬ ‫التعاضدية‬ ‫طرف‬ ‫وكيل‬ ‫لدى‬ ‫سنالم‬ ‫المكلف‬ ‫للتأمين‬ ‫بال‬ ‫تسيير‬ ‫أو‬ ‫ألفما‬ AFMA . - ‫طرفه‬ ‫من‬ ‫مختوم‬ ‫إيداع‬ ‫وصل‬ ‫مقابل‬ - 2/1 ‫إجراءات‬ ‫تحضير‬ ‫الملفات‬ ‫ومسطرة‬ ‫التدبير‬  ‫يجب‬ ‫إيداع‬ ‫طلب‬ ‫التعويض‬ ‫في‬ ‫أجل‬ ‫ال‬ ‫يتعدى‬ 90 ‫يوما‬ ‫ابتداء‬ ‫من‬ ‫تاريخ‬ ‫المصادقة‬ ‫عليه‬ ‫من‬ ‫طرف‬ ‫التعاضدية‬
23 - 2 - ‫تسليم‬ ‫الملف‬ ‫الطبي‬ ‫األصلي‬ ‫و‬ ‫النسخة‬ ‫المصورة‬ ‫منه‬ ‫لوكيل‬ ‫سن‬ ‫الم‬ ‫للتأمين‬ ‫المكلف‬ ‫بالتسيير‬ ‫أو‬ ‫ألفما‬ AFMA ‫من‬ ‫أجل‬ ‫المصادقة‬ ‫على‬ ‫النسخة‬ ‫المصورة‬ ‫و‬ ‫االحتفاظ‬ ‫بها‬ .  2/2 ‫إجراءات‬ ‫تحضير‬ ‫الملفات‬ ‫ومسطرة‬ ‫التدبير‬ - ‫مقابل‬ ‫طرفه‬ ‫من‬ ‫مختوم‬ ‫إيداع‬ ‫وصل‬ -  ‫يجب‬ ‫إيداع‬ ‫طلب‬ ‫التعويض‬ ‫في‬ ‫أجل‬ ‫ال‬ ‫يتعدى‬ 90 ‫يوما‬ ‫ابتداء‬ ‫من‬ ‫تاريخ‬ ‫أول‬ ‫و‬ ‫صفة‬ ‫أو‬ ‫فحص‬ ‫طبي‬ .
24 1 - ‫العقد‬ ‫مضمون‬ 2 - ‫الخدمات‬ ‫المضمونة‬ 3 - ‫االستثناءات‬ 4 - ‫التدبير‬ ‫مسطرة‬ 5 ‫ـ‬ ‫المباشر‬ ‫التحمل‬ ‫نظام‬ ‫فهرس‬
25 ‫خاصة‬ ‫قواعد‬ ‫بطلب‬ ‫التحمل‬ ‫المباشر‬ ‫التكميلي‬  ‫يجب‬ ‫إيداع‬ ‫طلب‬ ‫التحمل‬ ‫التكميلي‬ ‫المباشر‬ ‫في‬ ‫أجل‬ ‫ال‬ ‫يتعدى‬ 90 ‫يوما‬ ‫ابتداء‬ ‫ا‬ ‫من‬ ‫تاريخ‬ ‫الموافقة‬ ‫النهائية‬ ‫على‬ ‫طلب‬ ‫التحمل‬ ‫األساسي‬ ‫من‬ ‫طرف‬ ‫الصندوق‬ ‫الوطني‬ ‫لمنظمات‬ ‫اال‬ ‫حتياط‬ ‫االجتماعي‬ AMO CNOPS  ‫تمنح‬ ‫الموافقة‬ ‫على‬ ‫التحمل‬ ‫التكميلي‬ ‫في‬ ‫غضون‬ 48 ‫ساعة‬ ‫من‬ ‫استالم‬ ‫الملف‬ ‫على‬ ‫أن‬ ‫يكون‬ ‫مرفقا‬ ‫بالوثائق‬ ‫التبريرية‬ ‫الكاملة‬ :  • ‫القائمة‬ ‫التقديرية‬ ‫المسلمة‬ ‫من‬ ‫طرف‬ ‫الوحدة‬ ‫الطبية‬  • ‫نسخة‬ ‫من‬ ‫ورقة‬ ‫التحمل‬ ‫المسلمة‬ ‫من‬ ‫طرف‬ ‫النظام‬ ‫األساسي‬  • ‫الوصفة‬ ‫الطبية‬ ‫تبين‬ ‫نوع‬ ‫المرض‬ ‫أو‬ ‫طي‬ ‫سري‬ ‫مسل‬ ‫م‬ ‫من‬ ‫طرف‬ ‫الطبيب‬ ‫المعالج‬
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DGCL AR1.pptx

Editor's Notes

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