The Contribution of Rwandan Health Insurance inside the Economic Progress Rwanda


I, DUSABIMANA Athanase, hereby declare that to the most of my knowledge, this Dissertation entitled " The contribution of Rwandan health insurance in the economic advancement Rwanda” is definitely original and my inventive work and has not been shown in Umutara Polytechnic or any other university or college or institution of higher learning for the academic award. Wherever other beneficiaries' work has become used, references are appropriately given.



Date: ……... October, 2012


This can be to approve that the Dissertation entitled " The contribution of Rwandan health insurance in economic progress Rwanda” was done by DUSABIMANA Athanase under my supervision.



Date: …........ October, 2012


To Almighty God and His Child Jesus Christ, my Duagther, your sleep does not mean the lack. To my own mother, my own sisters, and my brothers your tireless support and prayers will always be remembered!! Close friends and family whose courage, love and contribution were of great affect to the effective completion of my own study.

To all of you, this function is dedicated!


The memoire is in fact the final result of my adoring and understanding beneficiaries and so the production which owes much to the assistance of many beneficiaries without whose efforts this kind of work will not have seen the sunshine of the day. However , due to limited space I am unable to mention almost all, but nevertheless My spouse and i appreciate their efforts in most respects.

As a result of God our father and Jesus our savior for giving me personally energy, passion, health physique, wisdom, which helps me during my research.

This research is a result of joint effort through the beneficiaries who also, in aside or within contributed to their completion. I register my own sincere honor to all of them.

My ardent recognition would go to Mr. KABANDANA Ernest pertaining to his reassurance, correction, guidance and determination through my personal research work as my director. I are great total to him for tireless contributions to my job.

My appreciation is expanded to all my teachers and lectures, which in turn taught and guide me personally from primary schools to the institutions better learning. Because of their devoted tutelage and guidance.

My recognition is also extended to the beneficiaries of Ruganda sector; government bodies and beneficiaries of MHI, from which the information utilized were given and the staff to get the concepts and support offered.

My personal singular gratitude and like go to mother and father; my father NKUMBUYE Leonidas, my mother MUKARWEMA Judith for sacrifice of choosing and permitting me to be away inside the academic function.

Special credit goes to my personal Brothers and Sisters mostly the families of Mr. SIBOMANA J. Damascène and Mister. HITIMANA Marcel, Friends for his or her encouragement, financial, social, and moral and everything material support you have provided me throughout my life and academic quest.

Lastly but is not least, to any or all of you out there who wished me good luck and success. May God praise you unsparingly!


$: Dollars

BPR: Banque Populaire ni Rwanda

CBHI: Community Structured Health Insurance

CBI: Community Structured Insurance

CPI: Consumer Cost Index

CTAMs: Community Risk Assessment Matrices

EDPRS: Financial Development and Poverty Lowering Strategy

EPI: Economic Insurance plan Institute

GDP: Gross Domestic Product

GNP: Gross National Product

GTZ: Deutsche Gesellschaft fur Technische Zusammenarbeit (German                         International Advancement assistance program) HIWTP: Health and wellness14911 Willingness to Pay

HMOs: Health Repair Organizations

IT: Information and Technology

LDCs: Least Created Countries...

Recommendations: Jutting T (2001) The effect of Health Insurance on the Entry to Healthcare and Financial Safeguard in Countryside Developing Countries, Fourth Release, Washington, DC.

Michael Todaro and Stephen Smith (2001) Economic Advancement, Tenth Model, New York.


Atim C (1999) Interpersonal movements and health insurance: a vital evaluation of voluntary, non-profit insurance plans with circumstance studies via Ghana and Cameroon

Carrin G (2003) Community-Based Medical health insurance Schemes in Developing Countries: Facts, Concerns and Points of views.

Carrin, G. 1987. " Community Loans of Drugs in Sub-Saharan Africa. ” International Journal of Health Planning and Managing 2: 125-45.

Criel M (1998) District-Based Health Insurance in Sub-Saharan The african continent. Tropical Remedies and Intercontinental Health quantity 10 zero 8 pp 799–811 september 2005

Revealed P & Carrin G (2001) Risk-pooling: necessary but not sufficient

Perrot J & Adams Um (2000) Making use of the Contractual Approach to Health Service Delivery in Producing Countries. Discussion article. WHOM, Department with the Organisation of Health Services Delivery, Geneva.

Schneider G, Diop F & Bucyana S (2000) Development and Implementation of Prepayment Techniques in Rwanda. Partners for Health Reform Technical document no . forty five.

Toonen, Jurrien. 1995. " Community Loans for Health-related: A Case Research from Bolivia. ” Amsterdam: Royal Exotic Institute.


WHO (2000) Health Systems: Improving Functionality

World Lender (2003) The earth Development Statement 2004. Making Services Work for Poor Beneficiaries. World Lender, Washington, DC.

Ministry of health Poverty Reduction Gross annual Progress Report (2009-2010: 56)




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