Babivugiye mu nama ya Africa CEO Forum 2026 (#ACF2026) iri kubera i Kigali, berekana ko impamvu ubwishingizi muri Afurika bukiri hasi atari uko ibyago ari ibintu bidashobora kwishingirwa, ahubwo ari uko hatigeze hubakwa uburyo buhamye bwo kubigenzura.

Ingingo bagarutseho zikubiyemo ubwishingizi bw’amasezerano hagati y’umuntu n’ikigo cy’ubwishingizi ndetse n’ubwishingizi ibigo by’ubwishingizi ubwabyo bigura (Insurance and reinsurance).

Guverineri Soraya Hakuziyaremye yavuze ko ubwishingizi bugenda burushaho kugira uruhare rukomeye mu kubaka sisitemu z’imari zigezweho.

Yagize ati:“Ubwishingizi buragenda buba inkingi ikomeye muri sisitemu z’imari z’iki gihe. Bugira uruhare rukomeye mu kongera ubushobozi bwo guhangana n’ibibazo by’ubukungu, kurinda ishoramari, n’iterambere ridaheza.”

Yongeyeho ko iyo igihugu gifite urwego rw’ubwishingizi rukomeye, gifasha abaturage n’ibigo guhangana n’ingaruka z’ibiza n’ibihinduka mu bukungu, bityo bikagira uruhare mu kuinda ishoramari n’iterambere ry’Igihugu.

Mu kugaragaza icyerekezo cy’u Rwanda, Guverineri Soraya yavuze ko kugera ku ntego z’iterambere Igihugu cyihaye bisaba urwego rw’ubwishingizi rukomeye kandi rufasha buri wese.

Yagize ati: “Kugira ngo u Rwanda rugere ku ntego yo kuba igihugu gifite ubukungu buteye imbere mu buryo buringaniye (upper middle income) mu 2035, no kuba igihugu gifite ubukungu buhanitse mu mwaka wa 2050, bizasaba urwego rw’ubwishingizi rukomeye, rudaheza kandi mu buryo burambye, rushobora kurinda abaturage, ibigo ndetse n’ishoramari rya Leta ku bibazo bishobora kuvuka.”

Binyuze muri gahunda ya National Insurance Strategy, u Rwanda ruri kubaka urwego rw’ubwishingizi rufite icyerekezo gisobanutse kandi gishingiye ku iterambere rirambye.

Guverineri Soraya yasobanuye ko uru rwego rugamije gushyira ku isonga abaturage (people-centered), rushingiye ku ikoranabuhanga (technology-driven), rwifashishwa mu bijyanye n’imari kandi rugahuzwa n’intego rusange z’iterambere ry’Igihugu.

Yagize ati: “Iyi gahunda igamije kubaka urwego rw’ubwishingizi rukomeye rurinda abaturage n’ibigo ibyago, rukusanya imari y’igihe kirekire, kandi rugashyigikira iterambere rutagira uwo risiga inyuma.”

Abitabiriye iyi nama bagaragaje ko Afurika ikwiye guhindura imyumvire ku bwishingizi, ikabufata nk’ibikorwaremezo by’ingenzi mu bukungu bw’Ibihugu kimwe nk’imihanda, amashanyarazi cyangwa ikoranabuhanga.

U Rwanda ruri mu bihugu bigaragaza ko bishoboka, aho ruri gushyira imbaraga mu kubaka uru rwego mu buryo buteguwe neza, hagamijwe kurushaho kongera ubushobozi bw’ubukungu bwo guhangana n’ibibazo mu kubaka iterambere rirambye.

Imibare ya Banki Nkuru y’Igihugu (BNR) igaragaza ko agaciro kose k’urwego rw’ubwishingizi mu Rwanda kikubye inshuro zirenga ebyiri mu myaka itandatu, kagera kuri miliyari 1.212,3 Frw mu 2025.

Iyo mibare igaragaza ko mu 2019 agaciro k’urwego rw’ubwishingizi rwose kari miliyari 505.574 Frw ariko byageze muri Kamena 2025 kageze kuri miliyari 1.212,3 Frw.

Iyo mibare kandi igaragaza ko habayeho ubwiyongere bwa miliyari 71 Frw mu mezi atandatu kuko kuva mu Ukuboza 2024, agaciro kose k’urwego rw’ubwishingizi mu Rwanda kari miliyari 1.141,1 Frw.

BNR igaragaza ko kugeza muri Kamena 2025 mu Rwanda hari ibigo 18 by’ubwishingizi birimo 16 byigenga na bibiri bya Leta, ari byo RSSB na MMI bitanga ubwishingizi mu buvuzi.

Muri ibyo harimo icyenda bikora bitanga ubwishingizi butari ubw’ubuzima, bitatu bitanga ubw’ubuzima, kimwe gitanga ubwishingizi bw’ab’amikoro make, kimwe gitanga ubwishingizi bw’ikigo ubwacyo, kimwe gitanga ubwishingizi bw’ubuvuzi ndetse n’ubwisungane mu kwivuza (Mutuelle de Santé).

Urwego rw’ubwishingizi rugizwe n’abahuza mu by’ubwishingizi 14, abahuza b’ubwishingizi bw’inyongera babiri n’ababatanga serivisi z’ubwishingizi binyuze mu mabanki 11.

Urwego rw’ubwishingizi mu Rwanda rwabarirwaga agaciro ka 1,9% by’umusaruro mbumbe w’igihugu mu 2024 gusa biteganyijwe ko urwo rwego ruzaba rubarirwa agaciro ka 3,2% byawo mu 2029.

Kugira ngo ibyo bigerweho, BNR igaragaza ko iri gutegura amavugurura y’urwego rw’ubwishingizi azasiga hashyizweho ingamba nshya.