Mu gihe gahunda y’ubwisungane mu kwivuza ya Mutuelle de Santé yujuje imyaka 25 imaze yorohereza Abanyarwanda kubona serivisi z’ubuvuzi zihendutse, Leta y’u Rwanda yashyizeho uburyo bushya bwo gutanga imisanzu.

Ubu buryo bushya bugena amafaranga buri rugo rutanga hashingiwe ku rwego rw’imibereho n’ubushobozi bw’amafaranga rufite.

Kugeza ubu, abanyamuryango ba Mutuelle de Santé (Mituweli) batangaga 3,000 by’amafaranga y’u Rwanda (Frw) cyangwa 7,000 Frw ku mwaka ku muntu umwe, bitewe n’icyiciro cy’imibereho arimo.

Mu mavugurura mashya, abishyura bagabanyijwemo ibyiciro bitanu hashingiwe ku mafaranga binjiza buri kwezi.

Icyiciro cya mbere

Abadafite amafaranga binjiza bazajya batanga umusanzu w’Amafaranga Ibihumbi bine (4,000 Frw) ku mwaka, ayo yose azishyurwa na Leta. Aba bangana na 7% by’abaturage.

Icyiciro cya kabiri

Abinjiza munsi ya 30,000 Frw ku kwezi bazajya batanga 4.000 Frw, Leta ibunganireho 1.000 Frw. Bakaba bangana na 23%.

Icyiciro cya gatatu

Abinjiza hagati ya 30.000 Frw na 60.000 Frw ku kwezi bazatanga 5,000 Frw nta nkunga ya Leta, bakaba bangana na 35% by’abaturage bose.

Icyiciro cya kane

Abinjiza hagati ya 60,000 Frw na 120,000 Frw ku kwezi bazatanga 8,000 Frw nta nkunga ya Leta, bo bakaba bangana na 27% by’abaturage. 

Icyiciro cya gatanu

Abinjiza hejuru ya 120,000 Frw ku kwezi bazatanga 20,000 Frw nta nkunga, bangana na 8% by’abaturage bose. 

Guverinoma y’u Rwabda  ivuga ko aya mavugurura agamije gutuma buri wese atanga umusanzu ujyanye n’ubushobozi bwe no kongera ubushobozi bw’iyi gahunda kugira ngo irambe.

Uko ibyiciro bigenwa

Ibyiciro bishya bishingiye ku makuru yakusanyijwe na Minisiteri y’Ubutegetsi bw’Igihugu (MINALOC) hakoreshejwe ibyiciro 17 by’imibereho y’urugo. 

Mu bufatanye n’Ikigo cy’Igihugu cy’Ibarurishamibare mu Rwanda (NISR), hashyizweho amanota afasha gushyira ingo mu byiciro.

Amakuru ajyanye n’ibyiciro yunganirwa n’ayo Ikigo cy’Ubwiteganyirize mu Rwanda (RSSB) n’Ikigo cy’Imisoro n’Amahoro (RRA) bifite, cyane cyane ku byerekeye amafaranga umuntu yinjiza.

Umuturage ashobora kureba icyiciro arimo akoresheje kode *195# (MINALOC), naho kwishyura bigakorwa kuri *876# (RSSB) cyangwa ku rubuga rwa Irembo.

Intambwe imaze guterwa

Mutuelle de Santé yatangiye ahagana mu mwaka wa 2,000 nyuma y’uko umubare w’abagana serivisi z’ubuvuzi wari waragabanyutse cyane.

Itegeko ryo mu 2015 ryashimangiye imikorere yayo, risaba n’ibindi bigo by’ubwishingizi gutanga umusanzu muri iyi gahunda.

Ikigo cy’Igihugu gishinzwe Ubuzima (RBC) n’icy’Ubwiteganyirize  (RSSB) byemeza ko abayigana biyongereye cyane, bava kuri 7% mu 2003 bagera hejuru ya 88% mu 2025, bituma iba inkingi y’ingenzi mu kugera ku bwisungane rusange mu kwivuza mu Rwanda.

Mu 2015, imicungire ya Mutuelle yavuye muri Minisiteri y’Ubuzima ijyanwa muri RSSB hagamijwe kongera ubunyamwuga n’imicungire myiza.

Mu myaka icumi ishize, amafaranga yinjijwe yariyongereye ava kuri miliyari 26,9 Frw agera kuri miliyari 107,2 Frw ku mwaka. 

Icyakora, asohoka yiyongereye ku gipimo kigera hafi kuri 300%, angana n’agera kuri miliyari 149,1 Frw, bitewe no kongera serivisi n’ivugururwa ry’ibiciro by’ubuvuzi mu mwaka w’ingengo y’imari wa 2025/2026.

Nyuma y’iri vugurura, hateganywa ko umusanzu w’abanyamuryango uzagera kuri miliyari 69,8 Frw mu 2026/2027, bingana na 48% by’amafaranga ateganyijwe kwinjira. Inkunga ya Leta izagabanyuka ive kuri 67% igere kuri 52%.

Serivisi zasabirwaga kuri Mituweli zarongerewe

RSSB yatangaje ko serivisi zishyurirwa kuri Mutuelle zongerewemo izihenze kandi zidasanzwe zirimo kuvura indwara z’impyiko hifashishijwe Dialyse, kuvura kanseri, guhindurirwa impyiko, kubagwa amagufa n’umugongo bikomeye, guhindurirwa igufwa ry’amatako n’inyunganirangingo z’abantu abafite ubumuga.

Hanashyizweho uburyo bushya bwo kwishyura ibigo Nderabuzima buzwi nka “capitation”, aho ibigo bihabwa amafaranga mbere hashingiwe ku mubare w’abanyamuryango byanditseho, busimbura uburyo bwo kwishyura buri serivisi uko ikozwe, aho igeragezwa ryabwo ryatangiriye mu Ntara y’Iburasirazuba mu Ukuboza 2025.

Uko kwishyura bikorwa mu gihe Umunyamuryango wa Mituweli agiye kwivuza

Umunyamuryango wa Mituweli yishyura 200 Frw iyo agiye ku kigo Nderabuzima, yishyura 10% by’amafaranga yishyurwa ku bitaro, naho 90% akishyurwa na Mituweli. Icyakora, ntibireba imiti igurwa muri Farumasi zidafitanye amasezerano na RSSB.

Ubwisungane mu kwivuza butangira gukurikizwa iyo abagize urugo bose biyandikishije kandi bakishyura umusanzu, keretse abafite ubundi bwishingizi.

Ibiciro bishya biratangira gukurikizwa ariko gukoresha Mituweli mu buryo buvuguruye bizatangira mu kwezi kwa Nyakanga ubwo hazaba hatangiye umwaka w’Imari wa 2026/2027. 

Ba uwa mbere mu kumenya amakuru agezweho!!!