This health Insurance Scheme helps the Family and Family Members to cover all Medical Sickness and Once you agree to pay this Insurance you pay for the Whole Family Members

Community Based Health Insurance ( CBHI )

Community Based Health Insurance (Mutuelle de Santé): is a solidarity health insurance system in which persons (families) come together and pay contributions for the purpose of protection and receiving medical care in case of sickness

Management of Community Based Health Insurance (CBHI)

From the 1^st July 2015 the management of the Medical Insurance Scheme (CBHI) was moved from the Ministry of Health to Rwanda Social Security Board (RSSB). The move aimed at improving the fund’s financial accountability and ensures quality health care for subscribers.

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Objective of Community Based Health Insurance

It was established in order to help people with low income access medical care at affordable cost.

Advantages of Community Based Health Insurance (CBHI)

• A member of Community Based Health Insurance can get medical treatment cheaply at local medical facilities like health post or health centre and pays only 200Frw or just 10% of the total bill at all districts and provincial hospitals as well as referral hospitals;
• A member of Community Based Health Insurance does not become stranded at home because of quick access to health care, whenever need arises, before the sickness gets worse;
• A member of Community Based Health Insurance is assured of access to authorized medical facilities cheaply;
• A member of Community Based Health Insurance makes economic progress because of sustained health that enables a person to work hard to improve and maintain reasonable economic development and standard of living.

Please note that medical care is refundable by RSSB provided that the health facility has signed an agreement with RSSB. The Ministry of Health in collaboration with RSSB has agreed which medical procedures and drugs are to be refunded.

Categories of CBHI

• Ordinary Members
• Honorary Members

An ordinary member is any person enrolled into the Community-Based Health Insurance scheme who either personally or through a third party, pays an annual contribution.

Honorary members are persons who provide support or donation without expecting any medical services or other benefits in return.

Commencement of membership

Membership is effective when each household member has, personally or through third party paid the required contribution.

Beneficiaries of the Community Based Health Insurance scheme

The Community Based Health Insurance scheme offers healthcare coverage to household members if all of them have paid their respective contributions, with the exception of any member insured under any other medical insurance scheme.

Validity of contribution to the Community Based Health Insurance scheme

• A member who joins for the first time the community based health insurance scheme shall starts benefiting from medical care services immediately if he/she has paid for the whole household before 30th September. When payment is done after 30th September they have to wait for one month after the payment of his/her subscription fees before benefiting.
• However, medical services for a child aged three (3) months and younger shall be covered by the child’s parents’ contribution. Payment of contribution is required for a child aged more than three (3) months.
• The member renews his/her insurance before the benefiting year ends. However, he/she continue to receive medical care services for thirty days (30) upon expiry of the insurance.

The community- based health insurance scheme year starts on 1st July and end on 30th June of the following year.

Medical services covered

• Drugs and medical services provided at the health post or health center
• Drugs and medical services provided at the hospital of District or Province
• Drugs and medical services provided at hospital or referral hospital level

Payment of Contributions

Contribution is made depending on the Ubudehe category in which individuals are:

• Category I pays 2,000Frw per person and this category is supported by the Government and other donors
• Category II pays 3,000Frw per person
• Category III pays 7,000Frw per person

The community- based health insurance scheme year starts on 1^st July and end on 30^th June of the following year.

Note: Category I is supported by the Government and other donors, Payment Contributions is done online via

• Imirenge Sacco ( All)
• Mobicash agents
• Irembo at all cells level or Irembo Agents
• MTN Mobile Money, Airtel Money/Tigo Cash

The payment for the group of people ( Serveral Households) is done via commercial banks and the list of people who the contributions are paid for must be submitted to the nearest RSSB Branch. that list must indicate ID number of the responsible person of each household.

Health facilities opened to Community Based Health Insurance scheme affiliated members

Members of community based health insurance scheme receive primary medical care from health center or from a health post anywhere in the country. With exception of emergency cases, a patient benefits from medical care of health facilities of superior category if he or she has a transfer note