Community Based Health Insurance (CBHI), commonly known as Mutuelle de Santé, is a health insurance scheme that helps Rwandans access healthcare services by sharing the cost of healthcare through contributions. CBHI provides health insurance coverage to Rwandans from both the formal and informal sectors, helping ensure access to essential healthcare services across the country.
Learn about the key advantages of Community-Based Health Insurance and how it provides universal and accessible healthcare for everyone.
Starting from RWF 200, access medical treatment across all public health facilities.
Access quality healthcare services at facilities closer to your home, whenever you need them.
Access a wide range of healthcare services through CBHI-contracted health facilities.
This is a solidarity health insurance system in which persons (families) come together and pay contributions for the purpose of protection and receipt of medical care
Individuals with no income are fully supported by the Government. The Government pays 4,000 Frw per person (100% subsidized) annually.
Members of Category II with income below 30,000 Frw per month, pays 4,000 Frw person annually (3,000 Frw paid by member and 1,000 Frw subsidized by Government)
Category III members with income above 30,000 Frw and below 60,000 Frw, fully cover their annual contribution of 5,000 Frw, without subsidy.
High Income members with income above 60,000 Frw and below 120,000 Frw, contribute a premium of 8,000 Frw per annum without subsidy.
Top Income members with income above 120,000 Frw, contribute a premium of 20,000 Frw per annum without subsidy.
Payments are facilitated online via different mediums; commercial banks, Mobile Money or Irembo Agents. A list of contributing members, along with the ID number of the household representative, must be submitted to the nearest RSSB branch
Beneficiaries
Patient Records
Prescriptions Issued
Healthcare Providers
Population Coverage
To join CBHI, households must be registered in the national social registry, confirm their contribution category, provide identification details, register eligible family members, and pay the applicable annual contribution.
Register as a household through your local administrative unit (Village/Cell) or ensure your household is already recorded in the national registry.
Your contribution level will be determined based on your Ubudehe category (income classification) assigned by local authorities.
You will need:
- National ID (or identification details)
- Household member details
- Contact information
Provide a list of all household members to be covered under CBHI. Registration is done as a family unit, not individually.
Pay the annual contribution based on your category using:
- Mobile Money
- Banks
- Irembo or authorized agents
Last year, my son got very sick, and I was so worried about how much it would cost. Luckily, because of the scheme, we got top-quality medical care. It was such a relief to see my son get better without the stress.
Follow these simple steps to register your organisation and become a health partner.
Enter your facility’s basic details, including name, location, ownership, contact information.
List all medical services offered by your facility, including specialization areas, departments, and levels of care to support proper classification.
Submit a valid operating license issued by the relevant regulatory authority to confirm that your facility is authorized to operate.
Upload all required supporting documents, such as accreditation certificates, regulatory approvals, and any additional compliance records for the facility and staff.
Provide identification details of the authorized representative, including a valid National ID and personal information.
Submit your facility’s bank account details to enable secure and timely reimbursement for services rendered under the scheme.
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