Joint Learning Network for Universal Health Coverage

Mutuelles are highly decentralized, relying on existing community-based health structures at the district and local level to provide a majority of management and administration of services.In 2003 the Community-Based Health Insurance system (CBHI) was expanded from a pilot project to a national system. CBHI is comprised of three parts: Mutuelles de Sante; Military Medical Insurance; and Rwanda Health Insurance Scheme. The first, known as Mutuelles de Sante, is a modified version of social health insurance that provides health coverage through voluntary and affordable local insurance. Mutuelles are highly decentralized, relying on existing community-based health structures (such as rural co-operatives) at the district and local level to provide a majority of management and administration of services, with only top-level policy and administration coordinated by the central government.