Insurance blog Rwanda: every guide in one place

Health & life · RwandaMutuelle 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 & life · RwandaRSSB 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 rights · RwandaLicensed 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

Health & life · RwandaHealth insurance in Rwanda: mutuelle, RSSB, MMI and private coverMutuelle for most households, RSSB medical for employees, MMI for the military, private group cover on top.2 min read · Updated 31 October 2026

Health & life · RwandaEden Care in Rwanda: the licensed health maintenance organisation (HMO)The only HMO on the BNR list, licensed in 2022; it presents itself as digital group health cover for employers.2 min read · Updated 31 October 2026

Health & life · RwandaMutuelle de santé (CBHI) contribution calculator4,000 to 20,000 Frw per person a year depending on the category; Category I fully paid by the Government.2 min read · Updated 31 October 2026

Health & life · RwandaMilitary Medical Insurance (MMI) in RwandaThe public medical insurer of the Rwanda Defence Force and their dependants, under Law n° 036/2022.2 min read · Updated 31 October 2026

Motor & vehicles · RwandaMotor insurance in Rwanda: compulsory third-party cover and what it paysThird-party liability is compulsory; uninsured vehicles are impounded until the Special Guarantee Fund is repaid.2 min read · Updated 31 October 2026

Insurers & your rights · RwandaHow to complain about an insurer in Rwanda (BNR)Insurer first, then the BNR: INTUMWA chatbot, WhatsApp +250 791 700 721, SMS 6005.2 min read · Updated 31 October 2026

Insurers & your rights · RwandaCheck an insurer, agent or broker in RwandaCheck the BNR lists; pay the premium to the insurer, never to an agent or broker.2 min read · Updated 31 October 2026

Motor & vehicles · RwandaThird-party vs comprehensive motor insurance in RwandaThird party pays the people and property you damage; comprehensive adds your own vehicle.2 min read · Updated 31 October 2026

Motor & vehicles · RwandaRoad accident compensation in Rwanda and the Special Guarantee FundInsured accident: the insurer pays. Uninsured or unidentified vehicle: the Special Guarantee Fund pays — report within 7 days.3 min read · Updated 31 October 2026

Health & life · RwandaLife insurance in Rwanda: your rights under the insurance lawName your beneficiaries; after three years a policy has a surrender value and cannot lapse for unpaid premiums.2 min read · Updated 31 October 2026

Health & life · RwandaMaternity leave benefits in Rwanda: 14 weeks on full salary, RSSB refund14 weeks on full salary; the employer is refunded the last 8 weeks by RSSB within 30 days.2 min read · Updated 31 October 2026

Home, business & travel · RwandaBusiness insurance in Rwanda: staff schemes and the cover you buyRSSB covers work injury and maternity; property, liability, marine and guarantee cover are bought from licensed insurers.2 min read · Updated 31 October 2026

Home, business & travel · RwandaTravel and cross-border motor insurance in Rwanda (COMESA Yellow Card)Drive abroad with a COMESA Yellow Card; buy travel cover only from a BNR-licensed insurer.2 min read · Updated 31 October 2026

Home, business & travel · RwandaOccupational hazards scheme (work injury) in Rwanda: RSSB benefits75% of daily earnings for up to 180 days, an 85% pension for permanent incapacity, survivors' allowances.2 min read · Updated 31 October 2026

Insurers & your rights · RwandaYour rights as a policyholder in Rwanda: claims, deadlines, cancellation5 working days to declare, 10 working days for a reasoned rejection, one month to pay, 5 years to sue.3 min read · Updated 31 October 2026

Insurers & your rights · RwandaLicensed insurance brokers in Rwanda (BNR list, April 2026)17 insurance brokers and 3 reinsurance brokers on the BNR list of April 2026.2 min read · Updated 31 October 2026

Insurers & your rights · RwandaThe National Bank of Rwanda and the insurance law (Law n° 030/2021)The BNR is the sole insurance supervisor; Law n° 030/2021 sets licensing, conduct and contract rules.2 min read · Updated 31 October 2026

Health & life · RwandaRSSB 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.2 min read · Updated 31 October 2026