This study was meant to assess the contribution of the public and private health care scheme to the retirees’ welfare in Rwanda specifically in Kigali City. The main objectives aimed at finding out how is health insurance scheme set-up in both public and private structures in Kigali, assessing the welfare of retirees in terms of the level of access to health insurance scheme in Kigali and determining the relationship between health insurance scheme and retirees welfare in Kigali. The study revealed that retirees in Rwanda still face challenges after their retirement because the amount of pension they receive based on their earned salary ranges. Therefore it recommended that retirees through their national association (ARR)with members throughout the country are to be sensitized for a large scale and long term saving plan to fund the special welfare needs of retirees in the long run. Such retirees’ fund would be large scale saving model that can partner with the related public actors to top up the basic pension and medical public schemes.