Health insurance renewal in Rwanda
How to renew health insurance — how it works anywhere
Renewing health insurance in Rwanda typically involves confirming eligibility, paying the annual contribution, and ensuring your information is updated with the relevant scheme, most commonly the Community-Based Health Insurance (CBHI) program, known as Mutuelle de Santé.
It is advisable to begin the renewal process several weeks before the current coverage expires. This allows ample time to gather necessary documents, clarify any issues, and make payments without interruption to health services, considering that administrative processing might take some time.
Start 30 days ahead
To allow for administrative processing, payment verification, and potential queues or system updates, ensuring continuous coverage.
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The process
- 1Identify your current health insurance scheme (e.g., Mutuelle de Santé/CBHI, RAMA, or private). This guide focuses on CBHI.
- 2Determine your annual contribution amount based on your Ubudehe socio-economic category, if applicable for CBHI.
- 3Make the annual payment through designated channels, which may include mobile money services (e.g., MTN Mobile Money, Airtel Money), SACCOs, or specific bank accounts as communicated by RSSB.
- 4Confirm the successful renewal and activation of your coverage. This may involve receiving an SMS confirmation or checking through local administrative offices.
- 5For CBHI, ensure all family members are accurately listed and covered under the renewed policy.
What to bring
- National ID (Indangamuntu) or other valid identification.
- Proof of previous payment or insurance card, if available.
- Ubudehe category verification, if required for CBHI calculations.
Who handles it
Rwanda Social Security Board (RSSB) - Ikigo cy'Igihugu cy'Ubwiteganyirize mu Rwanda
https://www.rssb.rw/services/community-based-health-insurance-cbhi
For the Community-Based Health Insurance (CBHI), annual contributions vary depending on the Ubudehe socio-economic category of the household. Category 1 pays RWF 2,000 per person per year, Category 2 pays RWF 3,000, Category 3 pays RWF 7,000, and Category 4 pays RWF 12,000 per person per year. These rates are subject to change and should be confirmed with RSSB or local authorities.
What commonly goes wrong
- Ensure payments are made through official and recognized channels to avoid fraud or delays in activation.
- Verify your Ubudehe category accurately, as this determines the contribution amount for CBHI.
- Confirm that all eligible family members are covered and their details are correct after renewal.
- Be aware of the renewal deadlines to prevent any lapse in coverage, especially for CBHI, which typically renews annually at a specific period.
Sources
Don't rely on remembering
Renewals here take about 30 days to start. Add this document and Duratum will tell you when that window opens.