Rwanda Social Security Board

What Rwanda Social Security Board does

Rwanda Social Security Board (RSSB) is the Government of Rwanda's statutory social security institution, established by Law No.45/2010 from the merger of the Social Security Fund of Rwanda (SSFR) and Rwanda Health Insurance Fund (RAMA), and renewed via Law No.009/2021. RSSB administers six core schemes: a mandatory Pension Scheme (defined benefit, 6% of basic salary split equally between employer and employee, rising to 12% in January 2025 and 20% by 2030), a Medical Scheme covering 85% of treatment costs for public employees and private firms with 7+ employees, a Community-Based Health Insurance (CBHI/Mutuelle de santé) with Ubudehe-tiered premiums, Maternity Leave Benefits (14 weeks at full pay), Occupational Hazards insurance (2% employer-only), and the voluntary EjoHeza Long-Term Savings Scheme (Law No.29/2017) with government co-contribution matching. Coverage spans 13 million Rwandans across formal and informal sectors.

Service delivery runs on a digital-first infrastructure anchored by the Ishema platform for employer compliance and contribution payments, the Imisanzu self-service portal for member contribution tracking and pension projection, and a USSD channel stack (*506# for EjoHeza registration, *876# for service feedback, *909# for Mutuelle payments) integrated with MTN and Airtel-Tigo mobile money, Irembo e-government, and banking partners (BK, COGEBANQUE). Complementing the digital stack are 30 decentralized physical branches. RSSB is Rwanda's largest investment fund with 1.4 trillion RWF AUM spanning 30+ equity positions (including BK, TDB, MTN Rwanda, Inyange, Safaricom Kenya) and 15+ real estate properties. The 2023 ISSA Certificate of Merit recognized EjoHeza for informal-sector pension coverage extension, and the 2023 Data Controller certification (NCSA) validated data protection compliance.

Name

Rwanda Social Security Board

Legal name

Rwanda Social Security Board

Website

https://www.rssb.rw

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Rwanda Social Security Board is the Government of Rwanda's statutory social security institution managing pension, medical, occupational hazards, maternity, CBHI, and EjoHeza voluntary savings schemes for 13 million Rwandans across formal and informal sectors.

Ownership category

akta.pro rank

Product category

Social Security Services

NAICS

Health and Welfare Funds (525120), Social Assistance (624), Direct Health and Medical Insurance Carriers (524114)

SIC

Services-Social Services (8300), Hospital & Medical Service Plans (6324)

akta.pro primary industry

State/Provincial Human Services & Benefits Administration (Welfare, Disability, Child & Family) (BPAIABAI)

akta.pro secondary industries

Healthcare-Linked Social Benefits Administration (e.g., Medicaid/Means-Tested Health Coverage) (BPAIAKAH), Government Program Administrative Services (Medicare/Medicaid ASO/TPA) (HLAEALAO), Disability Benefits Administration (BPAIAKAC), Cash & Voucher Assistance (CVA) and Emergency Livelihood Support (BPAGAAAJ)

Keywords

• Pension schemes
• Social security services
• Health insurance
• Long-term savings
• Occupational hazards insurance

Headquarters

HQ city

Nyarugenge

HQ country

Rwanda

HQ region

Africa

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Others

Revenue model

1. Mandatory Pension Contributions: RSSB collects mandatory pension contributions from employers (3%) and employees (3%), totaling 6% of basic salary. Contribution rate will increase from 6% to 12% starting January 2025, reaching 20% by 2030.
2. Medical Scheme Premiums: Medical insurance contributions representing 15% of employee's basic salary, split equally between employer (7.5%) and employee (7.5%). Also covers pensioners with 7.5% deducted from monthly pension.
3. Community-Based Health Insurance (CBHI/Mutuelle): Annual CBHI contributions varying by Ubudehe category: Category I (4,000 RWF fully subsidized), Category II (4,000 RWF with government support), Category III-V (5,000-20,000 RWF self-paid). CBHI scheme year runs July 1 to June 30.
4. Maternity Leave Benefits: Maternity leave insurance with contributions of 0.6% of gross salary (0.3% employer, 0.3% employee). Provides 14 weeks full salary maternity leave plus additional month for delivery complications.
5. Occupational Hazards Insurance: 2% of salary contribution paid entirely by employers for mandatory members. Covers medical care, daily sickness allowances, incapacity benefits, and survivors' benefits.
6. EjoHeza Voluntary Long-Term Savings: Voluntary savings scheme with members deciding their own contribution amounts and frequency. RSSB serves as scheme administrator, with government co-contributions for eligible members (100% match for Cat I-II saving 15,000+ RWF; 50% for Cat III saving 18,000+ RWF).
7. Investment Returns: RSSB generates revenue through investment returns on its 1.4 trillion RWF asset base, investing in real estate, equity (public and private), and fixed income instruments including government securities. ROI grew from 4.9% in 2019 to 11.08% in 2023.

Pricing tiers

Go-to-market motion1 record

Distribution channels9 records

Marketing channels10 records

Core offering

Rwanda Social Security Board (RSSB) manages Rwanda's statutory social security schemes, providing mandatory pension insurance (6% of basic salary, employer/employee split), medical insurance covering 85% of treatment costs, Community-Based Health Insurance (CBHI/Mutuelle de santé) with tiered subsidized premiums, occupational hazards insurance, 14-week paid maternity leave benefits, and the voluntary EjoHeza long-term savings scheme with government co-contribution incentives. Services are delivered through 30 decentralized branches and digital channels including the Imisanzu member portal, Ishema employer platform, and USSD-based mobile registration.

Product overview

RSSB operates as a comprehensive social security provider managing multiple interconnected schemes. The core portfolio consists of a mandatory Pension Scheme (defined benefit, 6% contribution), a voluntary long-term savings scheme EjoHeza (defined contribution with government co-incentives), Medical Scheme (85% coverage for public and private sector employees), Community-Based Health Insurance CBHI (Mutuelle de santé, income-tiered contributions), Maternity Leave Benefits (100% salary for 14 weeks), and Occupational Hazards insurance (workplace illness/accident coverage). These are supported by digital platforms including Imisanzu (member self-service portal for pension tracking), Ishema (employer services platform for contributions and clearance), and EjoHeza's dedicated web/mobile platform. The scheme portfolio covers the full lifecycle from active employment through retirement, addressing pension, health, savings, and workplace protection needs.

Differentiator

Problem solved

Functional benefit

Brands

• EjoHeza: Voluntary long-term savings scheme established by the Government of Rwanda, accessible to all Rwandan citizens including informal sector workers
• Imisanzu
• Mutuelle de Santé

Products and services

• Pension Scheme Mandatory old age, invalidity, and survivors' pension insurance for salaried workers, providing defined benefit retirement at age 60 (early retirement at 55) and survivors' pensions. Contributions are 3% employer and 3% employee of basic salary, totaling 6%, with planned increase to 12% from January 2025 and reaching 20% by 2030.
• EjoHeza Long-Term Savings Scheme Voluntary long-term savings scheme accessible to formal sector employees, self-employed, informal sector workers, and children under 16 via guardians. Members self-register via USSD *506# or ejoheza.gov.rw free of cost using national ID, choose flexible contributions, and receive 12% tax-exempted returns with government co-contribution incentives (up to 100% match for Ubudehe Categories I-II). Pre-retirement withdrawals allowed for education and housing; savings can serve as loan collateral.
• Imisanzu Member Self-Service Platform Online member portal at imisanzu.rssb.rw enabling RSSB members to track pension contributions, access reports, undertake retirement benefit projections via Pension Simulator, and submit complaints digitally. Members register using phone number, national ID or passport number, and RSSB affiliation number. Over 46,000 members on-boarded and 8,000 claims raised during pilot phase.
• ISHEMA Employer Platform Digital platform for employers at ishema.rssb.rw to apply for employee numbers, check contributions, pay employee contributions, and obtain RSSB clearance certificates. Part of IT modernization to automate RSSB processes and enable digital-led compliance monitoring for private and public institutions.
• Medical Scheme Health insurance for public employees (automatic membership) and private sector organizations with 7+ employees. RSSB covers 85% of medical treatment and prescribed drug costs. Covers consultations, drugs, surgical interventions, dental care, medical imaging (CT, MRI), laboratory tests, physiotherapy, hospitalization, eye treatment, prosthetics, dialysis, and full medical check-ups for eligible ages. Contributions are 7.5% employer + 7.5% employee. Pensioners pay 7.5% deducted from monthly pension.
• Community-Based Health Insurance (CBHI/Mutuelle de santé) Solidarity health insurance scheme (Mutuelle de santé) for low-income Rwandans with annual contributions tiered by Ubudehe category: Category I (4,000 RWF fully subsidized), Category II (4,000 RWF with government support), Category III (5,000 RWF), Category IV (8,000 RWF), Category V (20,000 RWF). Scheme year runs July 1 to June 30. Provides 86.6% national population coverage with access to drugs and services at health posts, centers, and hospitals.
• Maternity Leave Benefits Maternity protection scheme granting working women their full (100%) remuneration for 14 weeks of maternity leave. Funded by 0.3% employee and 0.3% employer contributions of gross salary (0.6% total). Additional one month of benefits provided in case of delivery complications requiring prolonged leave.
• Occupational Hazards Insurance Workplace accident and illness insurance providing free medical care, daily sickness allowances (75% of average daily earnings for up to 180 days), permanent incapacity pension (85% of average monthly earnings), partial permanent incapacity benefits, and survivors' benefits. Funded by 2% employer contribution with no employee contribution.

Quantifiable outcome

• 13 million Rwandans (entire population) covered by RSSB services
• +7 more outcomes

Named customers15 records

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Eleven partnerships are on record, tiered supporting, core and strategic.

• The Hoops RwandasupportingGTM or Marketing Partner · 14 January 2024Collaborative organization of 3x3 EjoHeza Basketball Tournament promoting EjoHeza program and long-term savings awareness among youth. Tournament featured categories U13, U15, and U18 with boys and girls. RSSB provided 10,000 RWF initial contributions for each participant's EjoHeza account.
• MTN Rwanda and Airtel-TigocoreTechnology or Integration · 1 January 2023Telecom partnerships enabling EjoHeza registration via USSD (*506#) and automatic savings deduction through mobile money systems. Telecom companies help subscribers save voluntarily any amount when buying products.
• BK (Bank of Kigali) School Management System (Urubuto)supportingTechnology or Integration · 1 January 2023Partnership to integrate EjoHeza savings option within BK's Urubuto school fees payment system, enabling parents to save in EjoHeza when paying school fees.
• COGEBANQUE (School Gear)supportingTechnology or Integration · 1 January 2023Partnership with COGEBANQUE's School Gear platform to integrate EjoHeza savings option within school fees payment solution.
• Tony Blair Institute for Global ChangestrategicStrategic or Co-development Partner · 4 November 2022Partner in Katapult Africa Seed Fund launch, supporting startup ecosystem development in Rwanda and Africa.
• NorrskenstrategicStrategic or Co-development Partner · 4 November 2022Partner in Katapult Africa Seed Fund launch, hosting accelerator program at Norrsken House Kigali.
• Smart AfricastrategicStrategic or Co-development Partner · 4 November 2022Partner in Katapult Africa Seed Fund supporting digital transformation and tech ecosystem in Africa.
• AIDS Healthcare Foundation Rwanda (AHF Rwanda)supportingOthers · 25 May 2022Donation of 133,866,000 RWF to support Community-Based Health Insurance (CBHI) scheme, benefiting 10,822 households (44,622 beneficiaries). AHF Rwanda supports HIV/AIDS response across 29 health facilities in 10 districts, providing testing, care, treatment, and supporting over 33,000 people living with HIV.
• Vivo Energy RwandacoreStrategic or Co-development Partner · 1 January 2022Partnership between RSSB, Government of Rwanda, Rwanda Development Board (RDB), Ministry of Infrastructure, and City of Kigali for the supply of over 200 electric buses in Kigali. Vivo Energy Rwanda will procure buses and build charging/maintenance depot. Project follows feasibility study by Vivo Energy on electrification of public bus fleet. RSSB invests alongside government to improve public transport while prioritizing sustainability.
• Registered Healthcare Providers and PharmaciescoreChannel Partner/ Reseller/ DistributorNetwork of hospitals, clinics, health centers, medical laboratories, pharmacies, and health posts that have signed agreements with RSSB to provide medical services to beneficiaries and submit claims for reimbursement.
• Cleo Capital Group LtdsupportingStrategic or Co-development PartnerPartnership with Cleo Capital Group Ltd for The Lux Collective's ultra-luxury tourism circuit project in Rwanda. Not directly an RSSB partnership but mentioned in same ecosystem context.

Scale indicators19 records

Recent moves8 records

Expansion highlights7 records

Direct peers

• National Social Security Fund (NSSF) Uganda: Uganda's national social security fund managing mandatory pension contributions with a 5% employee / 10% employer structure. Comparable in mandate (statutory pension, voluntary top-ups) and East African operating context.
• National Social Security Fund (NSSF) Kenya: Kenya's statutory national social security fund administering pension contributions from formal sector employees. Closest functional peer to RSSB given similar East African context, mandatory pension scheme, and investment of member contributions across asset classes.
• Pension Fund of Botswana (PFB): Botswana's statutory defined-contribution pension fund for citizens. Comparable model of mandatory enrollment, government-backed mandate, and large-scale investment of member contributions in domestic and regional assets.
• Parastatal Pension Scheme (PPS) Tanzania: Tanzanian statutory pension scheme for parastatal employees with growing member base. Comparable in operating context (East Africa) and statutory pension mandate, though narrower membership scope than RSSB.
• National Pension Scheme Authority (NAPSA) Zambia: Zambia's statutory pension scheme administrator collecting mandatory contributions from employers and employees. Comparable in scope (pension + investments + statutory mandate) and similar African emerging-market operating context.
• National Social Security Authority (NSSA) Zimbabwe: Zimbabwe's statutory social security authority managing pensions, accident prevention/workers compensation, and related schemes. Similar multi-scheme model combining pension with workplace injury insurance like RSSB's occupational hazards scheme.
• Social Security and National Insurance Trust (SSNIT) Ghana: Ghana's national pension administrator operating a three-tier pension scheme including mandatory basic national social security, occupational schemes, and voluntary personal schemes. Comparable product portfolio (pension + voluntary savings) and West African statutory model.

Regional players

• National Health Insurance Fund (NHIF) Kenya: Kenya's national health insurance administrator covering inpatient/outpatient care for members. Comparable to RSSB's Medical Scheme and CBHI functions, though NHIF is a regional peer not operating in Rwanda.
• National Health Insurance Management Authority (NHIMA) Zambia: Zambia's national health insurance scheme administrator covering employed citizens. Closest functional peer to RSSB's CBHI/Mutuelle de santé in scope (subsidized community health insurance with tiered contributions), though operating in Zambia rather than Rwanda.

Others

• Citibank Trustees (Africa pension administration): Global custodian and pension administration services provider. Adjacent ecosystem participant providing back-office pension fund administration technology and custody used by African social security institutions.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCzLbEUcB7vY7-TNqw
• Facebookfacebook.com/RSSBRwandaOfficial
• LinkedInlinkedin.com/company/rwanda-social-security-board
• Instagraminstagram.com/rssbrwanda
• Xx.com/rssb_rwanda

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A3 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Rwanda Social Security Board