To identify poor people who cannot access health insurance, the criteria used by the Rwandan Government and by Caritas are as follows:

– Widow.
– Orphan.
– Boy as head of family.
– less than 1/4 hectare land owned.
– no goat owned.
– living in a house built by the “base community”.
– living thanks to the help of others.
– no possibility to undergo medical treatment.
– not having enough to eat.
– unable to afford children’s education.
– underwent a season of poor or too much rain.

During community public meetings, attended by all members of the village or of the reference community – in case of more urban conditions – the recipients who meet the above requirements are identified, evaluated and approved by show of hands.

As for primary health care, the services covered by the project are:
Medical examinations at the health centre (by paying a 200 Rw Franc ticket, equal to 30 cents of a Dollar).
Basic tests (blood, faeces, etc. )
Primary care medicines (malaria, dysentery, influenza…).

The insurance policy also covers 90% of specialist examinations in public structures and ambulance service. 10% of the remaining expenses are incurred by the insured.