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Insurance in Rwanda

Insurance in Rwanda: mutuelle, RSSB, the insurers and your rights

Regulator: BNR (official site)

Mutuelle de santé and RSSB medical, the BNR's licensed insurers, motor third party, accident compensation and BNR complaints.

Reviewed on 31 October 2026 by the Tulinde editorial team · how we check facts

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Key factsSource: BNR

Regulator: National Bank of Rwanda (BNR)
Insurance law: Law n° 030/2021 governing the organisation of insurance business
Licensed insurers (BNR list): 19: 12 private insurers, 2 public insurers, 1 micro insurer, 1 captive insurer, 1 HMO, 1 mutual insurer, 1 reinsurer
Mutuelle de santé (CBHI): 4,000 to 20,000 Frw per person a year, by category (RSSB)
Road accidents: Law n° 029/2025; Special Guarantee Fund for uninsured vehicles
Currency: Rwandan franc (Frw, RWF)

What do you need?

The answers people in Rwanda look for most — each with its tool or its checklist.

Short answerChecked 31 October 2026

Insurance in Rwanda is supervised by the National Bank of Rwanda (BNR) under Law n° 030/2021 governing the organisation of insurance business. Its list names 12 private insurers, two public medical insurers (RSSB and MMI), a micro insurer, a captive insurer, one HMO (Eden Care) and a mutual insurer. Most households are covered by mutuelle de santé (CBHI), paid per person each year (4,000 to 20,000 Frw by category) on Irembo or \*909#; employees by the RSSB medical scheme (RAMA) at 15% of basic salary. Motor third-party insurance is compulsory, and since Law n° 029/2025 the Special Guarantee Fund pays the victims of uninsured vehicles.

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19licensed insurers checked against the regulator's own list
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A to Zinsurers listed as the regulator lists them — never ranked

Key factsSource: BNR

Regulator: National Bank of Rwanda (BNR)
Insurance law: Law n° 030/2021 governing the organisation of insurance business
Licensed insurers (BNR list): 19: 12 private insurers, 2 public insurers, 1 micro insurer, 1 captive insurer, 1 HMO, 1 mutual insurer, 1 reinsurer
Mutuelle de santé (CBHI): 4,000 to 20,000 Frw per person a year, by category (RSSB)
Road accidents: Law n° 029/2025; Special Guarantee Fund for uninsured vehicles
Currency: Rwandan franc (Frw, RWF)

Insurance in Rwanda

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Guides for Rwanda

All our other guides, by topic. Every guide opens with a short answer and lists the official source of each fact.

Vehicles3

Health and life4

Home, business and travel3

Your rights4

Tools and calculators1

RSSB medical insurance (RAMA) contribution calculator15% of basic salary, 7.5% from the employee and 7.5% from the employer; pensioners 7.5% of the pension.

19 licensed insurers in Rwanda

Counted from the regulator's register: List of licensed insurers (National Bank of Rwanda, BNR list of licensed insurers, updated January 2025 (the latest the BNR publishes, checked 31 October 2026)). Being on it means a company is licensed — it is not a rating.

12Private insurers
2Public insurers
1Micro insurer
1Captive insurer
1Health maintenance organisation (HMO)
1Mutual insurer
1Local reinsurer

See the full list Compare insurers

Insurer profiles

Licence, how to check a policy, claims and complaints — A to Z.

Comparisons

Third-party vs comprehensive motor insurance in Rwanda

Latest from the Rwanda blog

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All 21 guides

Health & lifeMutuelle de santé (CBHI) in Rwanda: categories, amounts and how to pay on Irembo4,000 to 20,000 Frw per person a year by category; pay on Irembo, *909#, MoMo or a bank, for the July–June year.4 min read · Updated 31 October 2026

Health & lifeRSSB medical insurance (RAMA): cover, contributions and how employers join15% of basic salary shared equally; RSSB pays 85% of eligible care; employers with at least seven employees join on Ishema.2 min read · Updated 31 October 2026

Insurers & your rightsLicensed insurance companies in Rwanda (BNR list)The BNR list: 12 private insurers, 2 public medical insurers, a micro, a captive, an HMO and a mutual insurer.2 min read · Updated 31 October 2026

Topics: Motor & vehicles · Health & life · Home, business & travel · Insurers & your rights

Free PDFFree guides for RwandaOur guides on one topic, put together in one PDF to keep on your phone — the same sources, the same review dates.

The Rwanda guide in full

Who regulates insurance in Rwanda

The BNR is "the sole regulatory and supervisory authority for the entire insurance sector in Rwanda" (BNR FAQ). Law n° 030/2021 requires a BNR licence to carry out insurance business (article 6) or to act as a broker (article 72), and sets the rules of the insurance contract and of claims. More: the BNR and the insurance law.

Health cover: mutuelle, RSSB, MMI

RSSB reports 11 million CBHI beneficiaries and 89.06% population coverage (RSSB). Which scheme applies to you: health insurance in Rwanda.

Where to start

You want to…	Read
Pay or check mutuelle de santé	Mutuelle de santé (CBHI) · Mutuelle calculator
Understand RSSB medical insurance	RSSB medical (RAMA) · RSSB medical calculator
Insure a vehicle or claim after a crash	Motor insurance · Third-party vs comprehensive · Road accident compensation
Protect a family	Life insurance · Maternity leave benefits
Insure a business or staff	Business insurance · Occupational hazards
Check an insurer or complain	Licensed insurers · Brokers · Check an insurer · Your rights · Complaints

Frequently asked questions

Who regulates insurance companies in Rwanda?

The National Bank of Rwanda (BNR), under Law n° 030/2021 governing the organisation of insurance business.

How many insurance companies are there in Rwanda?

The BNR list of licensed insurers names 12 private insurers, 2 public insurers (RSSB medical scheme and MMI), 1 micro insurer, 1 captive insurer, 1 HMO and 1 mutual insurer. See the full list.

Is car insurance compulsory in Rwanda?

Yes. Third-party liability is compulsory; an uninsured vehicle that causes an accident is impounded until its owner repays the Special Guarantee Fund (Law n° 029/2025, article 13).

Where do I complain about an insurer in Rwanda?

To the insurer first, then to the BNR: INTUMWA chatbot, WhatsApp +250 791 700 721 or SMS 6005. See how to complain.