Ubwisungane magirirane mu kwivuza (Mutuelles de santé) bwahindutse uduhendabana.

Jean de Dieu Tulikumana

Mu myaka ishize Leta y’uRwanda yatangarije umuhisi n’umugenzi ko iciye agahigo kuko umuturage wese aho ava akagera noneho azajya abasha kwivuza nta nkomyi. Ntibyatinze imvugo iba ibaye ingiro buri munyarwanda ategekwa shishi itabona kugana icyo bise ubwisungane magirirane mu kwivuza.

 

Muri iyi nyandiko, turibanda cyane cyane k’ubwisungane bugenewe rubanda rwa giseseka (mutuelles communautaires de santé), dore ko ibindi byiciro by’Abanyarwanda byo bifite ubundi bwishingizi bwihariye, nka RAMA y’abakozi ba Leta n’ibigo biyishamikiyeho, MMI (Military Medical Insurance) y’abasilikare, kimwe na za SORAS, SONARWA na CORAR zishingira abakorera ibigo byigenga cyanga abantu ku giti cyabo.

 

Byatangiye ari agatunambwenu. Abaturage badafite ikarita y’ubwisungane ntibashobore kugira icyo babaza ubuyobozi batabanje kuriha amafaranga y’ubunyamuryango. Bababujije kurema amasoko, ubwo local defense iba ibonye ikiraka cyo kugenzura abujuje ibyangombwa na ba rubebe. Ufashwe acuruza cyangwa yaguze imyaka kandi adafite ikarita y’ubwisungane utwe bakaduteza bakamutegeka kugura ikarita mu mafaranga avuyemo.

 

Byageze n’aho abaturage benshi banga kwitabira amanama ndetse bagasiba za misa kuko aho hose za local defense zabaga zihabategeye. Hari no mu duce tumwe na tumwe abategetsi bahatiye abaturage kujya muri banki z’abaturage (banques populaires) gufata inguzanyo kugirango barihe amafaranga yo gutunga ikarita y’ubwisungane. Ibyo byose mu by’ukuri byari bigamije mbere na mbere kongera umubare w’abanyamuryango bayobotse ubwisungane mu kwivuza kuko abayobozi ba za districts bagombaga gusohoza amasezerano bagiranye n’ibukuru mu rwego rw’icyo bise imihigo. Birumvikana rero ko bagombaga gukora ibishoboka byose bakihakirwa ibuharankakara.

 

Kugeza ubu, buri munyamuryango yari ategetswe gutanga  amafaranga 1.000 ku mwaka. None guhera mu ntangiriro za Nzeri uyu mwaka umusanzu w’ubwisungane warazamutse bikabije kandi abaturage baterwa imirwi mu byiciro bitatu : abakungu bazajya batanga umusanzu wa buri mwaka wa 7.000 y’amanyarwanda, abakene batange 3.000. Abo bise abatindi bo ngo Leta izajya ibatangira 2.000, uretse ko byagaragaye ko akenshi atari ko bigenda, kuko usanga ahubwo barashobewe bahora batonze umurongo kuri za segiteri na za districts batakamba ngo barebe ko hari uwabagoboka, cyangwa nibura akabagirira impuhwe. Byongeye kandi, buri muryango ugomba kuriha umusanzu wa buri muntu uwugize, bitaba ibyo ntihagire n’umuntu n’umwe wo mu muryango ubasha kwivuza. Urugero : umuryango ugizwe n’abantu barindwi ugomba gutanga 21.000 FRW niba uri mu kiciro cy’abakene. Bitabaye ibyo, nta muntu n’umwe wo muri uwo muryango wemerewe kwivuza.

 

Iri zamuka ry’ibiciro ryahise rigira ingaruka mbi ku mibereho n’ubuzima bw’abaturage, dore ko minisiteri y’ubuzima ubwayo yemeza ko iki cyemezo kireba nibura 80% y’abanyarwanda. Mu yandi magambo, ni mwene ngofero ugomba guhora ahonyorwa.

 

Birumvikana ko iki cyemezo kije gusonga umuturage wari usanzwe nta shinge na rugero. Ingaruka ya mbere yahise igaragara ni uko abarwayi bagabanutse bikabije mu bigo by’ubuvuzi kimwe no mu bitaro kuko kugeza ubu abashoboye gutanga umusanzu kugirango babashe kwivuza batarenga 15%. Abandi baborera mu ngo cyangwa bakivuza magendu. Mu minsi iri imbere muzumva Leta itubwira ko kubera iterambere ryihuse mu by’ubuvuzi, indwara mu Rwanda zagabanutse ku buryo budasubirwaho, kandi nyamara ukuri ari uko benshi nta buryo bafite bwo kujya kwivuza.

 

Ese ubundi baragirango ayo mafaranga umuturage ayavane he kandi abenshi nta n’agasambu bakigira ko guhinga ku buryo basigaye batunzwe no guhingira abagaga no guca inshuro ?

 

Benshi muri abo batishoboye ntibashobora no kugira amahirwe yo kubona ikibari cyo kwitwa abatindi, dore ko kibona umugabo kigasiba undi kubera amanyanga aba yihishe inyuma y’itangwa ryacyo.

 

Nyamara biranditse ko kugirango umuturage yinjire mu kiciro cy’abatindi cyangwa abatishoboye, agomba kuba afite icyemezo cy’inzego z’ibanze kigaragaza ko nta butaka afite, ko nta matungo afite kandi ko nta kazi agira. Ariko igikomeye muri ibyo ni uko usanga hari abantu bifashije bashyizwe mu kiciro cy’abatishoboye, hakaba n’abatishoboye bimwe ibyangombwa, byose hejuru y’ikimenyane n’ivangura byabaye karande.

 

Erega n’abaturage batanze umusanzu wo kwivuza nabo bararirira mu myotsi : barajya kwivuza bakabandikira umuti w’intica ntikize udafite ububasha buhagije bwo kubavura indwara barwaye, ngo kugirango barebe uko basaranganya n’abandi. Iyo ari urembye ho ugomba kuvurirwa mu bitaro byisumbuye, biba bibaye ibindi kuko ashobora no kuzarinda avamo umwuka atahageze kandi nyamara ngo yaratanze umusanzu.

 

Ngiryo Iterambere twazaniwe n’Inkotanyi Cyane rizatugeza kuri vision 2020!

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