Ngiriyambere Jean Baptiste from Gifurwe Village in Gifurwe Cell took out insurance from ’Radiant Yacu Ltd’ in November 2019 and paid Rwf1000 per month via Mobile Money.
He was involved in a bicycle accident in June 2020 and was treated at Butare University Hospital, CHUB, where he spent 10 days. Radiant Yacu Ltd paid for his medical services as he had an accident insurance cover with Radiant.
“I got a text message on ‘Radiant Turikumwe’ for I had already subscribed for the cover. To join, I typed * 531 #, I read all the instructions and chose a thousand insurance,” a 26-year-old barber said.
He says it was after the accident that he realized the benefits of insurance, encouraging other residents to subscribe for the same.
How Radiant Yacu decided to visit Ngiriyambere
CEO of Radiant Yacu Ltd, Amb. Joseph Habineza told IGIHE that once they saw how a rural resident far from the City of Kigali thought of taking insurance, they decided to visit him and thank him for his membership.
Habineza added that another reason they visited him was to set an example for all Rwandans.
"Jean Baptiste is the first Rwandan to pay for our Radiant since we started," he said.
The public is touched by the events
Some of Ngiriyambere’s neighbors were pleased with the way Radiant Yacu visited a resident in the village, demonstrating that a friend in need is a friend indeed.
Nyiranjyinshuti Espérance said she did not know about insurance but she is now aware and happy about it so she is going to subscribe with Radiant.
Ngiriyambere Jean Baptiste’s family members, including his father, Ahingereje Martin, and his wife, Jeannette Nyirahagenimana, also say that they were touched by the way Radiant Yacu Ltd helped him, so they are also going to insure themselves.
Amb. Joseph Habineza explained that Radiant has a spectrum of insurance products that cater to different categories of people, with premiums ranging from Rwf 500; 1000; 2000; 5000 or 10,000. When the affiliate as a medical problem and goes to the hospital and stays there for more than three days, he or she starts receiving the support.
Amb. Joseph Habineza emphasized that insurance is not just a reserve of well-to-do Rwandans, but all people can be brought in the loop with small subscriptions under Radiant Yacu.