Scheme Name

Central Region Urban Munno Mu Bulwadde Scheme-Luwero (CRUMBS-L).


A protected and empowered community in Luwero, Nakaseke, Nakasongola and Masaka organized in self-reliant CHI scheme enjoying quality health care services.


To simplify access to quality health care services through SHU-managed community health insurance.

Legal status

The scheme is legally registered as a Community-Based Organization in Luwero district.

About this CHI Scheme

Area of operation, target beneficiaries and current membership

CRUMBS-L scheme currently operates in the districts of Luwero, Nakaseke, Nakasongola and Masaka targeting formally and non-formally organized groups/ institutions/organizations/urban families. The scheme currently has 454 ( 205 females and 249 males) beneficiaries from 154 families.

Scheme services/activities

1) Medical insurance with shared risk management
2) Health Insurance education to prospective and enrolled members
3) Advocacy for quality health care services

Save for Health Uganda manages the scheme and therefore plays the following functions;

a) Carrying out health insurance education to prospective and enrolled members
b) Developing the health insurance products
c) Managing members and their complaints
d) Contracting and purchasing health care services
e) Managing the scheme funds

On the other hand, the members/ groups have the following responsibilities

a) Mobilizing and sensitizing group members about health insurance and the CHI scheme
b) Registering members and collecting premiums
c) Giving feedback to the scheme management and ideas for managing the scheme

Groups and or families enroll their members to be part of the scheme by signing an MOU with the scheme and paying the agreed upon membership fee. The group appoints a contact person who acts as the scheme coordinator and afterwards provides bio data of the beneficiaries to the scheme management by filling in an annual group/ family members’ details. The scheme issues a premium invoice/ bill to the group which is a total sum of individual group members’ premiums for the agreed period of cover. The group management pays the premiums as one lump sum or installments for all its group members.

The scheme registers the prospective beneficiaries by capturing their fingerprints. The group management makes a premium payment for each individual in the group. The scheme management issues the medical insurance cards and trains beneficiaries on their use. Group members (beneficiaries) with valid ID cards start accessing medical services from the contracted healthcare facilities. The scheme pays health care providers for the medical services offered to members based on the agreed upon terms in the service contract.

Three months before the end of the group financial year, the scheme management issues a premiums bill for the following year to ensure continuity of service provision to members.

  • Partner healthcare providers (Kiwoko Hospital, Bishop C.Asili Hospital, Franciscan HC, St Matia Mulumba Mulajje HC, Our Lady of Lourdes HC, Kaludo Pharmacy and Kitovu Hospital)
  • Save for Health Uganda
  • District Authorities
  1. Reaching out to more groups in Luwero, Nakaseke, Nakasongola and Masaka for enrollment
  2. Contracting more health care facilities in the target districts to serve the target communities.
  3. Developing more demand-driven products to respond to the community’s health care needs.

The scheme has its office Luwero District
Kalongomiti zone-Kiwogozi Parish
Luwero Town Council
P.O.BOX 123 Luwero, Uganda

Contact person
Nansubuga Dorothy
Mob: 0772/ 0701-188544