The Medical Scheme has been in place since 2001. Membership is automatic for all public employees; the private sector can join the scheme if there is a payroll of 7 or more employees. Pensioner affiliates can join the scheme if they receive RSSB pension and previously contributed to the scheme. Coverage of the scheme extends to spouses and children of affiliates.
The contributions paid to RSSB represents 15% of employee’s basic salary. It is paid by both the employer and the employee at the rate of 7.5% each.
RSSB also covers the medical insurance for pensioners with 7.5% contribution deducted from their monthly pension. The employer is responsible for deducting, declaring and paying their employee’s contribution to RSSB. The contribution is deducted on a monthly basis and paid not later than the 10th day of the following month.
RSSB covers 85% of the bill for medical treatment and prescribed drugs. Patients themselves cover the remaining 15% of the cost.
RSSB covers the following medical care provision:
The full medical checking is provided under conditions (35 years for women and 40 years for men). RSSB covers all medical acts and procedures, all laboratory and imaging investigations provided in Rwanda.  s;
Please note that medical care is refundable by RSSB provided that the health facility has signed an agreement with RSSB. The Ministry of Health in collaboration with RSSB has agreed which medical procedures and drugs are to be refunded.
The process for private institutions joining the Medical Benefits involves the following:
1. From RDB for domestic company registration;
2. From MINALOC for the case of NGOs;
3. From Rwanda Cooperative Agency (RCA) for the case of the cooperative;
4. From RBC and accreditation from MoH for medical services;
5. Agreement to open primary & secondary schools from MINEDUC;
6. Registration certificate from Directorate General of Immigration and Emigration for International Non-Governmental Organizations;
7. License certificate from Media High Council (MHC) for radios and other media activities;
8. License from BNR for microfinance activities, saving and credit cooperative operating in Rwanda;