Healthcare and Health Insurance in Rwanda
The RSSB medical scheme
Employers apply to enrol their organisation and must have at least seven employees. They register staff and eligible dependants. The contribution is 15 % of basic salary, half from the employer and half from the employee, and is declared each month. Pensioners can keep their cover after retirement.
Mutuelle de Santé
The community-based scheme is household-based. RSSB says all Rwandan citizens and residents not covered by another scheme can enrol. The annual premium per person depends on monthly income:
| Monthly income | Annual premium per person |
|---|---|
| No income | RWF 4,000, paid by the Government |
| Below RWF 30,000 | RWF 4,000, of which RWF 1,000 subsidised |
| RWF 30,001 to 60,000 | RWF 5,000 |
| RWF 60,001 to 120,000 | RWF 8,000 |
| Above RWF 120,000 | RWF 20,000 |
Premiums are paid by mobile money, at a bank or through IremboGov agents. Every employee also pays 0.5 % of net salary towards the scheme, deducted by the employer.
Insurance and your permit
DGIE asks class K applicants, including retirees, for medical insurance from Rwanda with both new applications and renewals. Insurers in Rwanda are licensed by the National Bank of Rwanda; check that yours is on its list before you buy a policy.
Frequently Asked Questions
What does the RSSB medical scheme cost?
15 % of basic salary, 7.5 % paid by the employer and 7.5 % by the employee. The scheme pays 85 % of eligible care.
Which employers must join the RSSB medical scheme?
Employers with seven or more staff.
What is the Mutuelle de Santé?
The community-based health insurance, from RWF 4,000 to 20,000 a year. Employees also pay 0.5 % of net salary towards it.
Sources
- Rwanda Social Security Board: Medical scheme (RAMA)
- Rwanda Social Security Board: Community-based health insurance (Mutuelle de Santé)
- Rwanda Revenue Authority: CBHI contribution
- Rwanda Revenue Authority: RSSB contributions
- Directorate General of Immigration and Emigration: Other permits
- National Bank of Rwanda: Licensed insurers
Figures checked 8 November 2026. Prepared by InvestRwanda.com for general information. It is not investment, tax or legal advice; please confirm details with a qualified adviser before acting.
