Of the respondents, 20.1 confirmed the existence of discrimination, while others said that they are discriminated because they are HIV positive,”.

There are three categories of medical insurance cover. These include people considered to be very poor who pay an annual premium of Rwf2, 000 that is settled by government on their behalf. The rest are expected to pay for themselves with premiums standing at Rwf3000 and Rwf7, 000, respectively based on their category.

Other challenges that were pointed out were the bad attitude of nurses towards Mutuelle de Santé card holders, medicine shortage and stock outs that were said to be common.

The report recommended that management committees of the community based health insurance at cell and sector levels should assure that the categorisation of members affiliated to Mutuelle de Santé is done in transparency.

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