Rwanda Revamps Mutuelle Health Insurance to Cover Expensive Treatments

Under the new system, contributions are determined by social categories in the “Dynamic Social Registry.” Category 1 members continue to have their 4,000 Rwandan francs (FRW) per person per year fully covered by the government. Category 2 members pay 3,000 FRW, with a 1,000 FRW government subsidy. Category 3 rises to 5,000 FRW, Category 4 to 8,000 FRW, and Category 5 members contribute 20,000 FRW annually.

Officials cited rising healthcare costs, expanded services, and changes in disease patterns as reasons for the increase. Mutuelle now covers expensive treatments, including cancer care, non-communicable diseases, dialysis, and kidney transplants. The Ministry of Health estimates the cost per person will reach 13,819 FRW in the 2025-26 fiscal year, more than 60% higher than last year. Nearly half of deaths in health facilities in 2024 were due to non-communicable diseases, highlighting the need for additional funding.

The government emphasized that the reform aims to create a sustainable financing system, where contributions match members’ ability to pay while protecting the poorest. Category 1 members remain fully covered, and Category 2 members continue receiving subsidies. Additional government funding will help reduce household burdens and ensure the program’s long-term sustainability.

Launched in 1999, Mutuelle has provided Rwandans with access to healthcare for over 25 years. The latest adjustments aim to align contributions with current costs while protecting families from financial hardship.