Medical Scheme
Our Health, our Future
Medical Scheme

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:

  • Medical consultations
  • Drugs, including chemotherapy
  • Surgical interventions
  • Dental care including prosthesis
  • Medical imaging, including CT Scan & MRI
  • Laboratory tests
  • Physiotherapy
  • Hospitalization
  • Eye treatment including provision of lenses and frames
  • Lower / upper limb prosthesis & Orthesis
  • Dialysis
  • Full Medical check-up &nbsps;


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. &nbsps;


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. A letter addressed to the Director-General applying for registration;
  2. An official document showing the employees’ salary structure for three consecutive months, (gross and basic salary; the basic salary must represent 70% of the gross salary) fringe benefits and other charges deducted from one’s salary as provided by the law, such as professional taxes and RSSB contributions(see the format in the related links);
  3. Number of dependants: spouse & children who are legally recognized (see the format in the related links)
  4. Tax declaration( PAYE ) from RRA;
  5. Trading License for Trading Companies;
  6. Certificate of registration obtained  


  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;
  1. Legal entity for Associations/Cooperation or temporally certificate from RGB (Rwanda Governance Board) allow to provisionally operate in Rwanda while a Non-Governmental Organization processing the application for legal personality;
  2. Number of dependants: spouse and children who are legally recognized;
  3. To have at least seven employees by the institution;  



  • Any institution or company wishing to adhere to RSSB medical insurance is required to take membership for all its employees;
  • Where both spouses belong to those employees who are insured by RSSB Medical insurance, each one pays his/her own contribution;
  • Based on the notification letter granting the application for registration, the employer is required to declare medical contributions not later than the end of the following month
  • Any contribution paid by the employer before his/her application has been approved will not be refunded;
  • Once this information has been received, it will be reviewed and once accepted, notification will be given.
  • Pharmaceutical services
  • Paramedic services (optics and physiotherapy)
  • Laboratory
  • Clinical services
  • Workshops making orthopedic appliance
  • Document with specific requirements as regarding each venture i.e. pharmaceutical, clinical and laboratory services is acquired from RSSB Head Offices and referred to in preparations for partnership
  • An application letter is written alongside a detailed proposal and addressed to the Director General
  • The Contracts Commission analyses the application and proposal
  • A site visit of the facility (Laboratory, clinic and pharmacy) is scheduled and conducted immediately
  • It is after the visit that a partnership venture is approved on the basis of quality services and best facilities in accommodating or delivering quality services to RSSB beneficiaries
  • The last step is entering into an agreement with a more capable and efficient partner