Learn More on ALU-Facilitated Insurance at ALU Rwanda

Learn More About ALU-Facilitated Insurance

A big part of feeling settled in a new country or new environment is knowing how to take care of your health. ALU-facilitated health insurance is designed so that students are empowered to take care of their health by engaging directly with medical practitioners and the insurance provider. The Student Life team is also available to support students.

ALU-facilitated health insurance is a voluntary service for students that is overseen and facilitated by the Wellness Center at ALU. This document outlines the minimum requirements for any insurance service provider at ALU.

Package Benefits

The following are the range of services we expect from student insurance service providers:

Inpatient care

This covers all medical services and medicines prescribed during hospitalization. The inpatient cover limit annually is  RWF 5,000,000per student.

A comprehensive list of inpatient care services can be found here 

Outpatient care

These are all medical services and medicines accessed by students, without hospitalization. The outpatient cover annually is  RWF 1,200,000 per student. 

A comprehensive list of outpatient care services can be found here

Dental 

A limit of at least RWF 350,000 annualy is required(This is a stand-alone limit and not a part of the overall outpatient limit).

Optical 

A limit of at least RWF 300,000 annually is required (This is a stand along limit and not a part of the overall outpatient limit).

Personal Injuries

Cover for personal injuries both within and outside of learning environments, including internship placements in Rwanda. Personal injuries amount below can be used in conjunction with Eden Care's limit or other private insurance owned by the beneficiary on similar benefits as below:

• Medical Fees: Up to a limit of RWF 500,000 (including surgery expenses).

• Total Permanent Disability: Up to a limit of RWF 5,000,000.

• Death Benefits: Up to a limit of RWF 5,000,000.

Pre-existing conditions

Insurers should make provision in their product to cover some medical services needed due to pre-existing conditions within the overall limits. 

Access to private facilities

Along with public clinics and hospitals, we expect insurance firms to provide access to private medical facilities as well. 

Here is an updated list of hospitals, health centers, clinics, and pharmacies.

Treatment in and outside Rwanda

Students should be able to use their insurance cards in Rwanda countrywide with cashless payment. When outside the country, the insurer should give guidelines on how they can still access their benefits. We have agreed on treatment outside Rwanda being covered on a reimbursement basis, where the student pays out of pocket for medical expenses outside Rwanda and requests a refund upon return. Refunds are given on an agreed upon tariff prior to contract signing.  

Refunds 

Students are entitled to a refund where they pay out of pocket for medical services covered by the insurer. These should be paid within 14 days of request and the insurer must assure that they are willing and able to deliver on this. 

Pricing

For ALU-facilitated health insurance, each student can select to enrol in ALU - facilitated health insurance for a period of 4 months (minimum) at the beginning of every term.

For any questions about health insurance or medical health you can email wellness@alueducation.com.