RSSB medical insurance (RAMA): 7.5% + 7.5%

Short answerChecked 31 October 2026

The RSSB medical scheme, still widely called RAMA, is the public medical insurance for employees whose employer has joined it. It costs 15% of the employee's basic salary, paid 7.5% by the employer and 7.5% by the employee. RSSB pays 85% of the cost of eligible medical services and prescribed medicines; the member pays the other 15%. An employer must have at least seven employees to enrol. Pensioners can keep the cover for 7.5% of their monthly pension. RSSB toll-free line: 4044.

RSSB's own channels

Check your contributions: the RSSB member portal (Imisanzu), linked as "Check my contributions" from rssb.rw (seen 31 October 2026).
Questions about your medical cover: RSSB toll-free line 4044 (RSSB).

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Answers come from the law, the regulator and the insurers' own documents, with the source under each answer. General information, not advice.

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On this page · 5 sections

What the RSSB medical scheme covers
Contributions
How an employer joins
FAQ
Sources

What the RSSB medical scheme covers

RSSB lists: medical consultations, medical imaging and CT scans, dental care and prostheses, drugs and chemotherapy, surgical procedures, eye care (lenses and frames), laboratory tests, physiotherapy, dialysis, hospitalisation, comprehensive medical check-ups and prostheses (RSSB, medical scheme).

Care is given at accredited facilities contracted with RSSB: public health centres and district, provincial, referral and specialised hospitals, pharmacies, and private polyclinics, clinics and hospitals (RSSB).

Contributions

Who	Contribution
Employee	7.5% of basic salary
Employer	7.5% of basic salary
Pensioner keeping the cover (with eligible dependants)	7.5% of the monthly pension
At the facility	RSSB pays 85%, the member pays 15% of eligible costs

Sources: RSSB, medical scheme and RSSB, pension scheme. Try the RSSB medical contribution calculator.

How an employer joins

Apply on RSSB's employer platform (Ishema) with the company's details and contacts.
Provide the documents asked, such as the registration certificate and tax identification.
Declare the employees and their eligible dependants.
Meet the national labour and social security requirements and keep at least seven employees; then pay contributions on time and keep staff data up to date.

Steps as listed by RSSB. If a facility cannot confirm a member's eligibility, contact RSSB (4044) or an RSSB office.

Already insured?

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Next step

1. Find the cover that fits

Frequently asked questions

How much is RSSB medical insurance?

15% of the basic salary: 7.5% from the employee and 7.5% from the employer (RSSB).

How much does RSSB pay for treatment?

85% of the cost of eligible medical services and prescribed medicines; the member pays the remaining 15% (RSSB).

Is RAMA the same as RSSB medical insurance?

Yes. RSSB's own website names the scheme "Medical (RAMA)".

Can a small business join the RSSB medical scheme?

RSSB says employers must meet a minimum of seven employees.