Rwanda’s Health Insurance Contribution Set to Increase

Rwandans should prepare for an upcoming change in the amount they contribute to health insurance, according to Dr. Regis Hitimana, Chief Benefits Officer at the Rwanda Social Security Board (RSSB).

While the current system, known as “Mutuelle de Santé,” will remain the same for now, Dr. Hitimana indicated that an increase in contributions is expected in the future.

The Mutuelle de Santé program has been vital for providing affordable healthcare to the people of Rwanda. Currently, individuals contribute either 3,000 or 7,000 Rwandan Francs per year. However, this only covers about 40% of the cost of healthcare services, with the government covering the rest.

In an interview on February 9, 2025, Dr. Hitimana explained that the last time the Mutuelle contribution was adjusted was 14 years ago, despite rising healthcare costs. “We have been studying this issue, but we have decided to wait before making any changes this year. However, people should start preparing for the increase as the current structure is no longer sustainable,” he said.

Dr. Hitimana also mentioned that plans for a contribution increase were first considered during the COVID-19 pandemic but were delayed. “As Rwanda continues to grow and develop, we need to ensure we can fund important services like healthcare. Donor support is decreasing, and it’s clear that we need to find local solutions.”

Although the exact timing for the contribution increase was not confirmed, Dr. Hitimana reassured the public that any changes will be fair and will not burden individuals beyond their ability to pay. “People will be informed well in advance, so they will have time to prepare. No one will be asked to pay more than they can afford,” he added.

Currently, over 86% of Rwandans are up-to-date with their Mutuelle payments. From July to December each year, individuals are required to pay the remaining 25% of their contributions.

Additionally, the Mutuelle program will soon cover more medical services. These will include treatments for cancer, heart disease surgeries, dialysis, spinal surgeries, and more. Some of these services have already been implemented, with others set to begin in the near future.

Dr. Hitimana emphasized that while the changes may pose some challenges, they are necessary to ensure the continued availability of affordable healthcare services for all Rwandans. "The additional contributions will allow us to maintain high-quality healthcare for everyone," he concluded.