Photo: Jenny Paul, Wikimedia Commons, CC BY-SA 4.0Health insurance in Rwanda
Mutuelle, RSSB, MMI and private cover
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Which scheme applies to you
| Your situation | Health cover | Who runs it |
|---|---|---|
| Most households, formal or informal sector, without other medical insurance | Mutuelle de santé (CBHI) | RSSB |
| Employees whose employer has joined the RSSB medical scheme; pensioners who keep it | RSSB medical insurance (RAMA) | RSSB |
| Rwanda Defence Force members and their dependants | Military Medical Insurance (MMI) | MMI |
| Staff of employers that buy group cover | Private health insurance from a licensed insurer or the licensed HMO (Eden Care) | Private insurers on the BNR list |
Sources: RSSB, CBHI, RSSB, medical scheme, Law n° 036/2022 on MMI, BNR list of licensed insurers.
The schemes in figures
| Scheme | Figure published by RSSB |
|---|---|
| CBHI (mutuelle) | 11 million beneficiaries, 89.06% population coverage, 9,000 healthcare providers |
| RSSB medical scheme | 785+ partner health facilities |
From RSSB, CBHI scheme and RSSB, medical scheme, read on 31 October 2026.
Private health insurance
The BNR describes health insurance as a short-term (non-life) class covering "consultations, hospitalization, and medication" (BNR FAQ). Buy it only from a company on the BNR list — the licensed HMO is Eden Care — or through a licensed broker.
Before signing, the insurer must disclose the policy terms, the scope of cover, the exclusions, all costs and the claims procedure (BNR FAQ).
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Frequently asked questions
Is health insurance compulsory in Rwanda?
Mutuelle de santé (CBHI) is open to every citizen and resident who has no other medical insurance and is paid per household each year (RSSB). Employees of employers that joined the RSSB medical scheme contribute 7.5% of basic salary.
What is the difference between mutuelle and RSSB medical insurance?
Mutuelle (CBHI) is household cover paid per person per year by category (4,000 to 20,000 Frw). The RSSB medical scheme (RAMA) is employee cover paid as 15% of basic salary, with RSSB paying 85% of eligible costs.
Which insurer is the best for health insurance in Rwanda?
Tulinde does not rank insurers. Compare the wording, exclusions and facility list of at least two licensed insurers.
Sources
- RSSB — CBHI / Mutuelle de Santé scheme (contribution categories, how to join and pay)
- RSSB — Medical scheme (RAMA): cover, contributions, joining
- Law n° 036/2022 of 09/12/2022 establishing the organ of Military Medical Insurance — Official Gazette n° Special of 15/12/2022 (MMI copy)
- National Bank of Rwanda — List of licensed insurers (updated January 2025, the latest list published, checked 31 October 2026)
- National Bank of Rwanda — Frequently asked questions: understanding insurance in Rwanda (June 2025)