Contribution of Agricultural Cooperatives on Health Insurance Participation among Small Scale Rice Farmers in Rwanda

Abstract

Agricultural cooperatives are a cornerstone of rural community development in Rwanda, fostering social well-being for their members. They play a significant role in promoting participation in community-based health insurance (CBHI), a key factor in Rwanda achieving the highest health insurance enrolment rate in the Sub-Saharan Africa. Participation in Rwanda's CBHI schemes is voluntary, and cooperative societies are crucial stakeholders in driving community participation. However, despite the importance of cooperative societies, the Contribution of Agricultural Cooperatives is absent. This paper aims to elaborate on the various ways in which agricultural cooperatives contribute to promoting health care insurance in Rwanda, address the health care needs of their members, and influence their willingness to pay for health care insurance. A cross-sectional research design was used to sample 273 farmers randomly, and to collect, process, and analyze quantitative data from KOA/RWA members. Quantitative analysis was employed through a multiple linear regression model to examine the relationship between cooperative membership and CBHI participation. The findings revealed that KOAIRWA has been successful in enrolling over 80% of its members in CBHI. Members are assisted with the payment of insurance fee through savings schemes. Moreover, KOA/RWA offered financial support to help members afford health insurance fee. These initiatives significantly increased participation in health insurance and improved the health outcomes of members. Training programs are recommended for cooperative leaders on effective health insurance promotion strategies can further increase enrolment rates. Policymakers should provide support through grants, subsidies, and technical assistance to enhance the capacity of cooperatives in promoting health insurance.