Mutuelle Program

The Mutuelle Program is one of the flagship humanitarian initiatives of United for Assistance (Ihuriro ry’Inkunga). Through this program, we sponsor Mutuelle de Santé (Community-Based Health Insurance – CBHI) for vulnerable individuals and families in Rwanda.

A Form of Sadaqa Jariyah

Mutuelle sponsorship is not a one-time meal or temporary aid. It provides:

  • Year-long access to care
  • Repeated doctor visits
  • Multiple treatments
  • Ongoing protection

Every time the beneficiary seeks medical care, your reward continues. This transforms your sadaqa into ongoing impact.

Health is dignity.
Protection is solidarity.
Charity is responsibility.

Together, let us Give Back to the Community

What Mutuelle de Santé Covers

According to Rwanda’s Community-Based Health Insurance framework:

Mutuelle provides access to:

  • Primary healthcare services at local health centers
  • Doctor consultations and essential medicines
  • Maternal and child healthcare services
  • Laboratory tests and basic diagnostics
  • Hospitalization at district and referral hospitals
  • Referral services to higher-level facilities when necessary
  • Subsidized care with minimal co-payment

The system significantly reduces out-of-pocket medical expenses and prevents catastrophic health-related poverty.

For vulnerable families, having Mutuelle means:

  • Early treatment instead of delayed care
  • Safe pregnancy and childbirth
  • Access to medication for chronic illnesses
  • Protection from financial hardship due to sickness

Health coverage restores dignity, stability, and hope.

Why This Matters for United for Assistance

United for Assistance was established to:

  • Support vulnerable communities
  • Promote social solidarity
  • Strengthen community resilience
  • Provide sustainable and impactful aid

Our mission is not only to give charity, but to build long-term protection systems.

Our Commitment

We operate with:

  • Faith – Guided by Islamic values

  • Integrity – Responsible stewardship of funds

  • Transparency – Clear reporting and verified beneficiaries

  • Collectiveness – Diaspora and local community working together

  • Philanthropism – Sustainable, dignified support

This is how we Give Back to the Community.

Islamic Foundation of the Program

Our program is rooted in Islamic principles of mercy and community responsibility.

Quran

Allah says:

“And whoever saves one life – it is as if he had saved all of mankind.”
(Surah Al-Ma’idah 5:32)

Supporting health coverage contributes directly to preserving life.

Allah also says:

“The believers, men and women, are allies of one another.”
(Surah At-Tawbah 9:71)

Mutuelle sponsorship is an act of community alliance and solidarity.

 

 

Hadith

The Prophet ﷺ said:

“The most beloved people to Allah are those who are most beneficial to others.”
(Al-Mu’jam Al-Awsat)

He also said:

“Whoever relieves a believer’s hardship in this world, Allah will relieve his hardship on the Day of Resurrection.”
(Sahih Muslim)

By removing the hardship of medical insecurity, donors earn reward both in this world and the next.

Why Health is the Foundation of Development

Without health:

  • Children miss school
  • Parents lose income
  • Families fall into poverty
  • Communities weaken

With health:

  • Productivity increases
  • Education continues
  • Stability grows
  • Dignity is preserved

Health protection is community protection.

Our Impact Since 2012

  • 9,500+ individuals supported

  • 539 individuals covered in 2025

  • Active community health support since 2012

Every number represents a life protected.