Rwanda · InsuranceHealthInsurance
Beyond Mutuelle de Santé. Private hospital access. From RWF 250,000/yr.
Trusted Cover
Rwanda · Acentria
About This Cover
Why Health Insurance?
Rwanda's Community-Based Health Insurance (CBHI/Mutuelle de Santé) is a landmark achievement — but its limits leave gaps for serious illness, specialist care, and high-cost procedures. Kigali's growing professional class, expat community, and MICE sector visitors need private health cover that actually meets international standards. Acentria Rwanda Health Insurance goes beyond Mutuelle — covering you at King Faisal Hospital, Kibagabaga, and private clinics across Kigali.
"Beyond Mutuelle de Santé. Private hospital access. From RWF 250,000/yr."
Coverage Details
What's Covered
Health Insurance covers a wide range of risks to give you and your loved ones complete peace of mind.
Inpatient and outpatient beyond Mutuelle limits
Private hospital and specialist access in Kigali
Maternity and newborn care
Dental and optical benefits
International medical evacuation to Nairobi or beyond
Chronic disease management
24/7 telemedicine consultation
Mental health support
Flexible Options
Which Plan Is Right for You?
Choose the plan that fits your life stage, budget, and goals. All plans are backed by Acentria's service promise.
Family & Individual Covers
Enhanced plans that top up Mutuelle coverage with private hospital access and higher limits for Kigali's professionals.
- Inpatient up to RWF 30M
- Outpatient included
- Private hospital access
- Dental & optical
- Mutuelle top-up structure
Corporate Group Covers
Group medical schemes for Kigali employers — ideal for tech firms, NGOs, hospitality, and finance sector businesses.
- Group inpatient & outpatient
- Wellness programmes
- Chronic disease management
- Dedicated claims desk
- Graded benefit levels
International Medical Cover
Global health coverage for expatriates in Kigali, frequent travellers, and those seeking specialist treatment abroad.
- Worldwide hospital access
- Nairobi/India/Europe medical evacuation
- Cancer & transplant cover
- Direct billing globally
SME Group Cover
Affordable group health plans for Rwanda's growing SME sector — from coffee cooperatives to Kigali tech startups.
- Groups from 5 lives
- Inpatient & outpatient
- Mobile enrolment
- Flexible premiums
Why Acentria
Why Choose Us
Beyond Mutuelle — Real Private Care
Mutuelle covers basic care but has low annual limits and no specialist access. Our plans are designed to complement Mutuelle — covering the gap between public limits and private healthcare costs.
King Faisal & Kibagabaga Access
Direct billing at Rwanda's top private and semi-private hospitals. Your staff never pay upfront for inpatient admission at network hospitals.
Medical Evacuation to Nairobi
Rwanda's best hospitals are excellent for most care — but complex cases may require evacuation to Nairobi, India, or Europe. Our plans include medical evacuation as standard.
MICE & Expat Community Cover
Kigali's conference visitors, NGO workers, and expat community need reliable private health cover. Our international plans are designed for Rwanda's growing international community.
Simple Process
Getting Covered Is Simple
Get a Quote
Fill in a simple online form or call us. Receive a personalised quote within minutes.
Choose Your Plan
Compare plans, pick the level of cover that fits your life stage and budget.
Get Covered
Pay your premium, receive your policy instantly, and enjoy peace of mind from day one.
Common Questions
Frequently Asked
We have all the answers. If you don't find yours here, our specialists are a call away.
Instant Estimate
How Much Will It Cost?
Get an indicative premium in seconds — no forms, no callbacks.
Premium Calculator
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Indicative premiums — final pricing subject to underwriting
Estimated Premium
Indicative only. Exact premium confirmed at application.
No commitment · 2-minute form
Proof, Not Promises
Real Claims. Real Outcomes.
Every number represents a real client we helped get back on their feet. Details anonymised to protect privacy.
Motor — Comprehensive Write-Off
Kigali Business Owner
A Kigali business owner's vehicle was written off in an accident days before a major regional conference. Acentria fast-tracked the claims assessment and secured the full agreed-value payout within 8 working days. The client purchased a replacement vehicle in time for the conference without business disruption.
Amount Paid
RWF 4,500,000
Settlement
8 days
Health — Emergency Surgery
Kigali Professional
A Kigali-based professional required emergency surgery at King Faisal Hospital. Acentria pre-authorised the procedure on the same day as the specialist's referral. Direct billing was activated, the client paid nothing upfront, and was discharged within 2 days with all costs fully settled by the insurer.
Amount Paid
RWF 2,800,000
Settlement
2 days
MICE — Event Cancellation
Kigali Event Organiser
A Kigali-based event organiser was forced to cancel a major conference when the contracted venue suffered a plumbing emergency 72 hours before the event. Acentria's event cancellation policy covered venue penalties, catering cancellation fees, and delegate travel costs in full. The complete settlement of RWF 18 million was paid within 12 working days.
Amount Paid
RWF 18,000,000
Settlement
12 days
Have a claim to report? Report it here →
Authorised & Regulated
Fully Licensed Across Africa
Acentria operates under the regulatory oversight of the relevant national insurance authorities in every market we serve — so your cover is always backed by law.
2025 Claims Performance
Backed By The Best
Our Reinsurance & Partner Network
Acentria's capacity is supported by the world's largest reinsurers and trusted African financial institutions — so every claim is backed by solid capital.
Reinsurer
Reinsurer
Reinsurer
Reinsurer
Client Stories
Trusted by Thousands Across Africa
Acentria's motor insurance claim was processed in under 24 hours. Their team guided me through every step — truly outstanding service.
David Mwangi
Fleet Manager, Transline Group
Our company has relied on Acentria for group life and health cover for three years. They understand the African insurance landscape better than anyone.
Grace Kamau
Head of HR, Safaricom PLC
Where We Are
Our Offices Across Africa
Every office commits to our service response SLA — so you always know when to expect to hear from us.
Nairobi
Westlands Road, Westlands, Nairobi
Dar es Salaam
Ohio Street, CBD, Dar es Salaam
Lusaka
Cairo Road, City Centre, Lusaka
Kampala
Plot 1, Parliament Avenue, Kampala
Get Started Today
Secure What Matters Most. Let Acentria Tailor Your Health Insurance.
Speak with one of our Rwanda specialists today and get a personalised solution within 24 hours.
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