The Contribution of Rwandan Health Insurance in the Economic Development of Rwanda

Topics: Health insurance, Economics, Health economics Pages: 93 (22532 words) Published: July 15, 2013

I, DUSABIMANA Athanase, hereby declare that to the best of my knowledge, this Dissertation entitled “The contribution of Rwandan health insurance in the economic development of Rwanda” is original and my inventive work and has not been presented in Umutara Polytechnic or any other university or institution of higher learning for the academic award. Where other beneficiaries’ work has been used, references are appropriately given.



Date: ……... October, 2012


This is to certify that the Dissertation entitled “The contribution of Rwandan health insurance in economic development of Rwanda” was done by DUSABIMANA Athanase under my supervision.



Date: …........ October, 2012


To Almighty God and His Son Jesus Christ, my Duagther, your sleep does not mean the absence. To my mother, my sisters, and my brothers your tireless support and prayers will always be remembered!! Friends and relatives whose courage, love and contribution were of great influence to the successful completion of my study.

To all of you, this work is dedicated!


The memoire is in fact the final result of my loving and understanding beneficiaries and thus the production of which owes much to the assistance of many beneficiaries without whose efforts this work would not have seen the light of the day. However, due to limited space I cannot mention all, but nevertheless I appreciate their efforts in all respects.

Thanks to God our father and Jesus our savior for giving me energy, enthusiasm, health body, wisdom, which helps me during my studies.

This research is a result of joint effort from the beneficiaries who, in away or in another contributed to its completion. I register my sincere gratitude to them.

My heartfelt recognition goes to Mr. KABANDANA Ernest for his encouragement, correction, advice and motivation through my research work as my supervisor. I am great full to him for tireless contributions to my work.

My gratitude is extended to all my teachers and lectures, which taught and guide me from primary schools to the institutions of higher learning. For their devoted tutelage and guidance.

My recognition is also extended to the beneficiaries of Ruganda sector; authorities and beneficiaries of MHI, from whom the information used were given and their staff for the ideas and support offered.

My personal singular appreciation and love go to my parents; my father NKUMBUYE Leonidas, my mother MUKARWEMA Judith for sacrifice of choosing and permitting me to be away in the academic work.

Special credit goes to my Brothers and Sisters mostly the families of Mr. SIBOMANA J. Damascène and Mr. HITIMANA Marcel, Friends for their encouragement, financial, social, and moral and all material support you have given me throughout my life and academic pursuit.

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


$: Dollars

BPR: Banque Populaire du Rwanda

CBHI:Community Based Health Insurance

CBI: Community Based Insurance

CPI: Consumer Price Index

CTAMs:Community Threat Assessment Matrices

EDPRS:Economic Development and Poverty Reduction Strategy

EPI:Economic Policy Institute

GDP: Gross Domestic Product

GNP: Gross National Product

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

HMOs:Health Maintenance Organizations

IT:Information and Technology

LDCs:Least Developed Countries...

References: Jutting J (2001) The Impact of Health Insurance on the Access to Healthcare and Financial Protection in Rural Developing Countries, Fourth Edition, Washington, DC.
Michael Todaro and Stephen Smith (2001) Economic Development, Tenth Edition, New York.
Atim C (1999) Social movements and health insurance: a critical evaluation of voluntary, non-profit insurance schemes with case studies from Ghana and Cameroon
Carrin G (2003) Community-Based Health Insurance Schemes in Developing Countries: Facts, Problems and Perspectives.
Carrin, G. 1987. “Community Financing of Drugs in Sub-Saharan Africa.” International Journal of Health Planning and Management 2: 125-45.
Criel B (1998) District-Based Health Insurance in Sub-Saharan Africa. Tropical Medicine and International Health volume 10 no 8 pp 799–811 august 2005
Davies P & Carrin G (2001) Risk-pooling: necessary but not sufficient
Perrot J & Adams O (2000) Applying the Contractual Approach to Health Service Delivery in Developing Countries. Discussion article. WHO, Department of the Organisation of Health Services Delivery, Geneva.
Schneider P, Diop F & Bucyana S (2000) Development and Implementation of Prepayment Schemes in Rwanda. Partners for Health Reform Technical article no. 45.
Toonen, Jurrien. 1995. “Community Financing for Healthcare: A Case Study from Bolivia.” Amsterdam: Royal Tropical Institute.
WHO (2000) Health Systems: Improving Performance
World Bank (2003) The World Development Report 2004. Making Services Work for Poor Beneficiaries. World Bank, Washington, DC.
Ministry of health Poverty Reduction Annual Progress Report (2009-2010:56)
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