5.3. CONCLUSION
The development of Rwanda's first Health Financing Policy
marks an important step in the evolution of the health sector. The present
policy for developing mutual health insurance was elaborated by the Government
of Rwanda with a view to centralizing the potential and especially meeting the
increasing social demand for the extension of mutual health insurance. Hence
the functioning of MHI in Ruganda sector was shown significance vis-a-vis to
beneficiaries and the staffs along the sector. In fact, establishing mutual
health insurance across the country was to ensure that the population of
Rwanda, particularly those in rural communities such as those of Ruganda sector
and the informal sector have equitable access to quality healthcare services.
Mutual health insurance is therefore intended to complete existing social and
private health systems.
Basing on findings of this study, it is shown that improved
health status of the beneficiaries has a significant effect on the economic
development processes in Ruganda sector. The policy offers an instrument to
build and manage partnerships for community health. It is crucial that the
coordination and monitoring of the implementation of this policy at the sector,
health centre and community levels be effective. In light of the above facts
this study has examined the contribution of Rwandan health insurance on the
economic development of the beneficiaries in Ruganda sector. Although mutual
health insurance has the contribution on improvement of healthcare services and
economic development in Ruganda sector through decrease in real costs of
healthcare services.
Among the main factors hampering beneficiaries' enrolment in
CHI in the developing world, there are the problems with the affordability of
premiums, the trust in the integrity and competence of the managers, the
attractiveness of the benefit package and the quality of care that is offered
by the providers. In many instances, risk pooling remains limited because of
the small size of the CHI member population and going to scale remains a huge
challenge. In that respect, it is appropriate to further explore the
feasibility of creating CHI federations in which funds get pooled.
Also the packages of services given to their members are not
effectively given because of increase of services and number of beneficiaries.
The CHI thus still has a long way to go if it wants to strongly contribute to
health system performance. As is shown, CHI, under certain circumstances, can
well be an attractive strategy to improve beneficiaries' access to healthcare.
Therefore the major to improve this policy must be taken by the ministry of
health and other partners in health sector.
5.4. RECOMMENDATIONS
Basing on the findings of this study carried out in Ruganda
sector on the contribution of rwandan health insurance in the economic
development of rwanda especially in Ruganda sector, the following are the
recommendations given to the officials and the beneficiaries of mutual health
insurance in Ruganda sector:
Invest in new ventures of a share of mutual health
contributions should be prevailed for purposes of making profits for supporting
beneficiaries' contributions in future time in promoting its economic
development.
More health centres should be built with equal capacity of
delivering health services in order to avoid overpopulation in one health
centre and long distance walked by the beneficiaries of mutual health insurance
as shown by the researcher in findings of this research.
The grassroots leaders and the entire community should be
trained to change some beneficiaries' mindset about mutual health insurance
policy, for the beneficiaries profiting from effective risks sharing among
those who are suck and those who are healthy because, it has been remarked by
the researcher that some beneficiaries pay the annual contribution forcibly.
Beneficiaries' contributions capacity should be raised through
community works given to those who cannot easily get the annual contribution
or/and sensitize them on paying for themselves before any kind of aid is given
to them.
Some mutual health insurance staff should be sensitized on
improving healthcare services given to the beneficiaries and control the
management of these mutual health contributions to avoid its losses as well as
misuses which are persistently observed.
The role of partners in health sector should be encouraged in
supporting mutual health in creating initiatives on coverage of vulnerable
groups, for them to get basic healthcare costs.
The beneficiaries should be sensitised on the role of
contributing on time because when they use to contribute at late time, medical
services could be also late and poor and this results in unsatisfaction. Hence,
creates the conflicts among MHI beneficiaries and the executive community of
the government policy which includes that of MHI scheme.
The beneficiaries should be aware of their problems concerning
healthcare services they are given by mutual health insurance service
provider,
Those who don't want to contribute claiming that they don't
fall sick should change their behavior because MHI is collective rather than
individuals separately.
The beneficiaries should raise their saving habit for them to
enhance future scarce of liquidity money to be used in different transactions
including contribution of mutual health insurance which is one among the
problems that hinder mutual health insurance.
| 
