1. About Us
Sunpoynt Health is a for profit micro health insurance company which uses garbage as a financial resource in enabling uninsured poor slum dwellers access health care twice monthly. We are implementing a micro-insurance model which enables slum communities pay for health cover , drugs and other clinical services using garbage in an insurance scheme.
SunPoynt Health provides a sustainable solution to healthcare for women and children below 5 yers in slums by delivering a long-term sustainable healthcare access model and improved hygiene, sanitation and environment by engaging slum community in waste collection which is un-utilized resource to fund healthcare access unlike Organizations working in slums for short-term healthcare projects depended on donor funding. We are implementing a micro-insurance model which enables slum's expectant women attend monthly clinic visits for check ups, access drugs and other clinical services for them and their children below 5 years by only collecting a minimum and delivering to us waste worth $8 per month in an insurance scheme.Current estimates of maternal mortality ratios in Kenyan slums are at as high as 1000 deaths per 100,000 live births. Given the pervasive poverty and lack of quality health services in slum areas, the maternal mortality situation in this setting can only be expected to keep rising . By converting waste in slums into a health fund to enable the health care system functions, we've been able to ensure maternal deaths are avoidable since complications are identified early through monthly clinic checkups attended by the expectant women we support in slums.
We mobilize slum dwellers to collect waste for health.
With our model, the community pays clinical services by using garbage in an insurance scheme. This way SH makes the community mobilize their own unused resources to improve health access and breakdown barrier between health facilities and community mainly targeting slum children below 5 years and expectant women. SH opens up access to health.On the other side, this becomes an incentive for community to start a proper waste management from household level, thus contributing to improve local sanitation. We are independently and sustainable maintained by community organization. Residents’ collected garbage is processed into money towards the"health fund" by ; 1. Organic garbage is processed into organic fertilizer by applying compositing method and sold to our network of flowers farms and organic farmers and inorganic garbage(such as bottles,plastic,cans,etc) is sold to private recycling companies as a raw materials for their recycling activities whom we partner . The project predominantly targets waste collectors and encourages the community to mobilize their own unused resources to improve their access to health services. It further breaks down barriers between health access and community healthcare insurance needs.
2. Idea origin
One evening while visiting a children's home in Kibera slum,i met with a dumpsite scavenger woman who had lost her 4 year old daughter from diarrhea &dehydration due to her inability to afford healthcare due to poverty.Her story touched me & I started to imagine how many innocent kids are dying same way.I vowed to act. That's how an idea of converting garbage in slums into a health insurance fund for kids below 5 yrs & expectant mums.That formed the birth of Sunpoynt Health.
3. Business Model
Our model entails registration of slum residents mostly women who become our members. Our model entails registration of slum residents mostly women who become our members.Each member is required to deliver to us inorganic garbage i.e plastic bottles,glass bottles & plastic bags worth $8;approximately 45kg of waste on a monthly basis.Collected waste is sold to our partner plastic recyclers as raw materials.The money generated is converted into a health fund to provide healthcare cover for our members as an incentive to continue delivering waste to us Members access services like;access to drugs,maternity weekly checkups for women members, eye/dental checkup,vaccination for children below 5 years .We partner with slum based heath centers whose services we highly vet ensuring quality for members. We allocate $4 of the these fund towards providing each member with 2 monthly guaranteed clinic visits insurance cover on a monthly basis,we spend $2 per member on operational expenses and earn $2 net revenue per member .
We partner with local healthcare centers located within slums areas whom we thoroughly vet to ensure they offer high quality healthcare services using best facilities. Additionally, we negotiate best rates for various services & drugs that our members would access ensuring value for money.
Individuals with low-incomes collect garbage from the streets and bring it to SH. The waste is then weighed and separated and valued. The individual is then “paid” in the form of a medical health insurance: For as little as $8 per month, an individual is given access to healthcare, rehabilitative healthcare, basic free treatment, in-clinic counseling and laboratory checks, for example. The separated garbage is then sold onto waste companies and collectors; organic waste is used for animal feed, inorganic waste can be converted to “up-cycling”, products and then sold for a higher amount. that is, the creation of products and sold. This money is used to finance the medical care for the individual, minus the profit that goes to SH. By showing people how much their waste is worth, the scheme encourages communities to organize and create sustainable financing from their own resources. This, in turn, improves their access to medical treatment and the quality of public health program with respect to preventive, curative and rehabilitative well being. It further offers the community an incentive to start an organized waste management and waste entrepreneurship system from household level so as to benefit from continual health insurance. The scheme partly also contributes to the improvement of local sanitation as rubbish is collected regularly.
Our business,operational models & target market enables us face very minimum competition due to the disruptive & innovative nature of our business.Approximately 99% of all privately operated waste collection & disposal companies target middle to high level residential areas as well as major hotels,institutions within city centre. None of them operates in slums & other informal settlement areas leaving the burden of garbage to thrive.98% of all medical cover/insurance providers don't sign up clients from slum regions thus blocking them from any form of healthcare insurance cover. By linking garbage to healthcare access ,we are killing 2 birds with 1 stone i.e access to healthcare & improving sanitation & environment in slums.Due to the nature of slum life, waste is thrown anywhere without care. Since the municipal authorities are highly overwhelmed by the waste management demand across the cities, to the extend of totally sidelining slum regions in their waste collection routes.
4. Financial Model
We are exclusively financed through the sale of plastic waste collected by members.We earn $8 per member after sale of plastic waste on a monthly basis.With 955 members currently,our monthly total plastics waste sales is $7640 where 50% of these fund is converted into a health fund to pay for our members monthly 2 clinics cover that we have guaranteed them.We spend 30% of these fund to pay for our operational costs and salaries fr staff and retain 20% as savings and growth fund.We shall seek impact investments,seed funds and register more members for long-term sustainability and growth.
Maternal mortality is major killer of women in Nairobi slums.Most maternal deaths occur to women who deliver outside of a health care facility and with the help of unskilled personnel.Pregnancy and the period surrounding it is a dangerous time for too many of the over 100,000 women and girls in Kenyan slums who become pregnant each year. They face a lifetime risk of maternal death of 1 in 13 compared to. Our enterprise exclusively supports women and children based in slums by providing them with sustainable healthcare access services to enable them access guaranteed medication and other health related emergencies twice per month. Our monthly healthcare cover enables expectant women to access frequent pregnancy check-ups to ensure safe delivery and safety of the unborn child without having to strain their little income. By collecting waste for health,sanitation and hygiene improves leading to reduction in diseases outbreak thus reducing cases of children sicknesses which greatly enables families save on their little income due to reduced healthcare costs. By enabling slum women and children access a guaranteed monthly healthcare cover paid by waste; un-utilized resource within slums , woman and children are able to live a dignified life devoid of healthcare strains.
Nairobi city has a population of 5M people where almost half of the them living in 10 slums spread around the city and surviving on less than 2 USD a day and 60% without health coverage. With a garbage output of 10,000 tons a day, Nairobi city ranks as the highest generator of plastic waste in Kenya.Slums exhibit a huge problem regarding access to healthcare among slum poor where over 98% lack access to health insurance . Many can't get access to healthcare due to financial factors..Until now, "limited resource" becomes the cliche for poor health service for the slum dwellers.Solid waste management is a major problem in slums causing clogged sewers leading to waterborne diseases like typhoid, cholera and diarrhea, increased upper respiratory diseases from open burning of the garbage to malaria. We are linking garbage collection in slums with health care access among the residents.Poor slum dwellers have no access health insurance cover due to inability to afford of monthly premiums.
6. Progress and Impact to date
Since we started operating in April 2016 to date, we have registered 955 women members who have been constantly been accessing healthcare as we as their children below five years.
We have impacted 5730 lives since April 2016, where 3438 represents children below 5 years,1719 representing expectant women and 573 representing men/husbands to our women members.
Additionally,we have collected 258 tons of plastic waste for the last 7 months we have operated.
7. Social,Environmental and Economic impact of our idea.
Over 900 slum communities now have reliable access to healthcare without having to worry about cost.Mortality rates among kids below 5 years has greatly reduced due to easy access to frequent vaccination and medication enabling them live to celebrate their 6th birthday. Slum women now experience safe deliveries,access drugs and related pregnancy care services.
Lately,plastic bottles and polythene bags have become a key resource that is scrambled for by residents.No dumped plastic bottle can be seen next to our centre location.Our enterprise has revolutionized the entire healthcare system and waste management and disposal in Mathare slum .We have tapped into the skills and expertise of the local youths and women. We have employed 30 local slum youths and women taking them away from their idle ,joblessness and drug life.We have now converted them to be the icons of change in their own communities as well as be able to earn income to support their families without having to get involved in criminal activities.
Our enterprise exclusively works with women and youths living in slums where currently we have registered 955 women who enable their kids access healthcare insurance on a monthly basis in exchange of freely available plastic waste. With a team of 30 ,all locals from Mathare slum comprising 20 female staff,4 of which work on a full-time basis while others work on part-time and volunteerism basis.Most of our training,mobilizing,marketing and sensitization activities are done by female staff to to their agility and comprehension of major problems fellow women go through ,thus are capable to deliver our message of hope
Poor plastic waste disposal leads to contamination of surface and groundwater, ecosystem degradation, and soil pollution as well as greenhouse gas emissions by anaerobic decomposition of waste. Plastic waste ends up blocking drainage trenches and sewer lines causing flooding.Uncollected plastic waste in slum dumpsites leads to burning of the waste which emits harmful smoke leading to inhalation of poisonous air.Our enterprise has prevented these by engaging community to collect all plastic waste for health enabling Mathare slum dwellers to breathe safe and fresh air .No flooding occurs when it rains.No plastic waste is burnt,all is recycled .Poor plastic waste disposal leads to contamination of surface and groundwater, ecosystem degradation, and soil pollution as well as greenhouse gas emissions by anaerobic decomposition of waste. Plastic waste ends up blocking drainage trenches and sewer lines causing flooding.Uncollected plastic waste in slum dumpsites leads to burning of the waste which emits harmful smoke leading to inhalation of poisonous air.Our enterprise has prevented these by engaging community to collect all plastic waste for health enabling Mathare slum dwellers to breathe safe and fresh air .No flooding occurs when it rains.No plastic waste is burnt,all is recycled .
We target to reduce the level of air pollutants in slum settlements by 45% through collection of plastic waste thus preventing slum residents from burning the plastics causing massive air pollution.By motivating slum dwellers to collect plastics for health,we have prevented plastics from reaching the dumpsites where the burning always happens. So far,we have collect 43 tons of plastics monthly which would have been burnt causing great air pollution .We target to register 5,000 members in the next 2 years,each delivering 45kg of waste monthly thus targeting to collect 225 tons of plastic monthly preventing plastic burning.
Inadequate sanitation in Mathare results in economic burdens that include increased health care/medical costs i.e., oral rehydration therapy, and decreased wages for women forced to miss work to care for the sick.Most Mathare residents earn $1 per day,with other family basic needs to meet, healthcare care access thus presents a significant economic burden on slum residents-mostly women. Member story:My child has diarrhea once every months which lasts six days. I have to pay for transportation to clinic, medicines, and doctor fees. Our enterprise saves community 90% of their healthcare costs enabling them provide other family needs
8. My motivation & passion to drive these program
I strongly believe access to healthcare is a fundamental human right regardless ones economic status,thus am focusing on providing poor slum residents in Nairobi with access to healthcare using an easily available resource-garbage. But, in reality many people can't get health access because they don't have enough money and the cost for medication is expensive. Then, i start to think, How could i create health financing model which will permit all of people to get health access. Yeah, Garbage is the best solution, because almost every day every house produced garbage which is not used, so that all citizens can join with our program. Besides, in general, residents must pay a fee to dispose of their garbage, we offer to residents to submit their garbage to us, and they can go for free treatment, counseling in clinic, and get preventive, and rehabilitative health program.
9. Main goals in the next 5-8 years
Having launched our enterprise in April 2016,we currently have registered 955 women members who deliver garbage on a weekly basis within Mathare Slum where our first centre is based.We have since set up 3 additional centres in Mathare to manage the huge demand from women in the slum.With these massive success ,our goal within the next 5 years is to set up 2 centres in each of the 10 main slums in Nairobi city targeting to register 10,000 slum women and provide access to healthcare insurance to Over 20,000 children below 5 years and enable 10,000 expectant women access monthly clinic check-ups.
Within the next 8 years,we target to expand and set up centres within slums regions in Mombasa ,Kisumu and Nakuru towns ,targeting to register 20,000 women collectively.Our venture focuses on reducing child mortality rate in slums by 45% & infant mortality rate by 50% as well as deaths among women caused by home-based deliveries.We target to serve 20,000 kids below 5 years & poor expectant women in slum areas who cannot afford healthcare across 10 slums regions in Nairobi but can collect & deliver $8 worth of waste monthly for 2 clinic visits for their families.We seek to mitigate these fact: 96% of slum residents have no guaranteed healthcare insurance fund, ending up losing family members on treatable diseases due to poverty.Our service will provide an innovative & sustainable solution towards managing waste disposal ,management and collection within the slum areas in the city of Nairobi where careless waste disposal is always a menace.Additionally,our program will increase access to public health among the abandoned slum from current 30% to 55% in the next 5 years. To us,garbage is health
I highly believe that health is fundamental human rights. But, in reality many slum dwellers mostly children below 5 years and expectant women can't get health access because they don't have enough money and the cost for medication is expensive.Thousands of children below 5 years die annually in slums due to diseases that could have been easily been treated.Uncontrolled garbage disposal and lack of waste collection initiatives,as always witnessed in slum areas leads to poor sanitation,hygiene and sprout of communicable diseases which pose a high risk to humanity residing within these regions ,mainly children. Then, i start to think, How could i create health financing model which will permit all of people to get health access. Yes, Garbage is the best solution, because almost every day every house produced garbage which is not used, so that all citizens can join with our program. Besides, in general, residents must pay a fee to dispose of their garbage, we offer to residents to submit their garbage to us, and they can go for free treatment, counseling in clinic, and get preventive, and rehabilitative health program.
10. About the Founder,What inspires him and past achievements.
Kennedy Lamwenya is a highly skilled strategic planning, execution and sales and marketing professional with 9 years proven experience in building professional relationships, developing successive business growth strategies & developing and implementing new strategies and procedures. Am confident that my in-depth experience will enable me achieve the set targets and grow my venture towards achieve massive impact and revenue.
Am a social entrepreneur with over 9 years combined experience in sales and marketing where i have spent 6 years in building rural distribution structures for social enterprises ,water ,health solutions and energy efficient technologies in East ,Central & West Africa Africa. My greatest desire is to combine social entrepreneurship to fight energy poverty levels as well as increase health access among slum and rural communities in East Africa.
In May 2006,during second term of the final year of my Secondary Education, just few months before national examinations,my parents were unable to raise my second term fees due to financial crisis at home,where a lot of money was spent into paying for my mums medical bill in hospital.Being away from school during a crucial term of the year while my fellow classmates being taught,i faced one of the toughest challenge of my life.After idling at home for 2 weeks as my dad struggled to raise the fees,i decided to face my problem head on.I approached school principal to allow me supply electronic calculators to my fellow students since it was a requirement by the ministry of education but most students were buying fake ones .Luckily,after being allowed,i approached a vendor and we agreed on a deal to supply 950 units earning me $0.55/piece raking $522.5 within 2 weeks.Hurrah!! I had raised enough school fees for entire year plus paying medical bills for my mother & exams fees for brother.
Additionally,during my 3rd year in University,With $200 in savings,I set up a plastic waste collection business within the university.It entailed having dust bins with main student social centres,restaurants and hostels to collect used plastic bottles,which i would later sell to recycling campaniles at $0.45 per kg.Within 7 months,i earned $4275 in revenue,employed 4 full-time staff collected 9.5 tons of plastic waste and managed to pay full university fees & my siblings.Was awarded student of the year award .I have had passion working with waste .
Moreover,In 2014,with a team of 20 staff,I developed, implemented and monitored a clean lighting project after successfully reaching out to school heads, local education officers & donors for funding. Main project objective was to supply 20,000 rural school pupils with 20,000 solar powered lamps to improve their education standards through unlimited study time offered by the lamps. These project was implemented in Western province in Kenya where 20,000 school pupils received solar lamps, where one solar lamp was delivered to one household for use by children in that respective family.
As the lead convener of the project,I managed to draft 20 grant proposals that were submitted to over 20 donor Organizations & 15 philanthropic Organizations. These yielded $200,000 in donor funding towards these projects that covered the entire project costs. Over 100,000 kids are benefiting directly from the lamps,saving families $400,000 annually in kerosine costs annually.