OpenIDEO is an open innovation platform. Join our global community to solve big challenges for social good. Sign up, Login or Learn more

Garbage Clinical Insurance

Garbage Insurance Clinic is a micro health insurance program which uses garbage as a financial resource.

Photo of Gamal
2 1

Written by

Explain your project idea (2,000 characters)

It is started from a hearth-breaking story named Khaerunnisa, occurred on June 5, 2005. She was the daughter of a scavenger, Supriyono, who only earned 10,000 every day. She got diarrhea, but she could not get access to health services due to unaffordable health cost. Finally, she died because of diarrhea. Indonesia is classified by the World Bank as a lower middle income country (World Bank List of Economies, March 2017)1. With more than 258 million populations, until now, “limited resource” has become the cliché of poor health service for the poor, with the average income less than $60 per month, 2.1 % of them used for health consumption. Many people cannot get health access due to financial factors.
Then, we started to think, how we could create health financing system which permits all people to get health access from their house hold level. This motivates us to develop garbage insurance scheme as health financing that we call Garbage Clinical Insurance. Garbage Clinical Insurance (GCI) is a micro health insurance program which uses garbage as a financial resource. With this program, the community pays clinical services by using garbage in an insurance scheme. This can make the community mobilize their own unused resources to improve health access and breakdown barriers between health facilities and community members. We open doors to health access. The main stakeholders are scavenger (waste collector), community, health professionals and health facilities. The insurance system with garbage gives a broad access to the community because almost every day every house produces garbage which is not used, so that all citizens can join the program(our customers). The active roles and participation of individuals and communities will determine the success of this Garbage Clinical Insurance. However, their roles must not be separated from health workers’ endeavors to build health awareness and knowledge.

Who are the beneficiaries? (1,000 characters)

Garbage Clinical Insurance’s main stakeholders are scavengers (waste collector), community members, school, government, and health workers. The insurance system with garbage gives broad access to the community because almost every day, every house produces garbage that is not used, so this means that all citizens can join the program.
Garbage Clinical Insurance has already owned a clinic located in suburb area of Malang. Since in the first operation of Garbage Clinical Insurance to date, we have achieved approximately 250 active members with membership cards system. In the future, Garbage Clinical Insurance will aim at replicating its program in other places to enhance and spread its usefulness in broader zones.
Physicians run this program on Monday to Saturday at 7 am to 9 pm. In order to increase the program sustainability, human resources in GCI are recruited from all clusters of health workers, such as, doctors, midwives, nurses, pharmacists, dentists, and health volunteers.

How is your idea unique? (1,000 characters)

Garbage Insurance Clinic is a micro health insurance program which uses garbage as a financial resource. With this program, the community pays for health services by using garbage in an insurance scheme. This way could make the community mobilize their own unused resource to improve health access and breakdown the barrier between health facilities and community. This program is able to solve 2 kinds of problems simultaneously, health problem and environmental problem. Garbage Clinical Insurance is also able to become a social engineering to increase public awareness and community willingness about waste management from household level. On the other hand, it is expected to improve environmental health through community-based waste management. In 2016, dr. Gamal Albinsaid as a pioneer of Garbage Insurance Clinic earned Kalpataru Environment Award for Environmental Pioneer Category.

Idea Proposal Stage (choose one)

  • Full Scale Roll Out: I have already tested and scaled this idea significantly with the intended user base.

Tell us more about your organization/company (1 sentence and website URL)

Garbage Insurance Clinic is a micro health insurance program which uses garbage as a financial resource. With this program, the community pays for health services by using garbage in an insurance scheme. Website URL: http://www.indonesiamedika.com

Expertise in sector

  • 3-5 years

Organization Filing Status

  • Yes, we are a registered non-profit.

In 3-4 sentences, tell us the inspiration or story that encouraged you to start this project.

The true story of a 3-year-old girl, Khaerunissa, that happened June 5, 2005. She was the daughter of a 38-year-old scavenger, Supriyono, who only earned 10,000 every day. She got diarrhea, but she could not get access to health services due to unaffordable health cost. Finally, she died because of diarrhea. In responding to this heart-breaking social phenomenon, then we started to think how we could create health financing model which permitted all people to get health access.

Please explain how your selected topic areas are influenced, in the local context of your project (1,000 characters).

The main principle of Garbage Clinical Insurance is organizing communities to create sustainable financing from their own resources in order to improve the access and the quality of public health program from the promotive, preventive, curative and rehabilitative aspects. On the other side, it becomes an incentive for the community to start a proper waste management and waste entrepreneurship from household level. To a certain extent, it also contributes to local sanitation improvement. Garbage Clinical Insurance increases garbage value exponentially, so Garbage Clinical Insurance empowers every individual to mobilize overlooked resources and take an active role in managing health financing. We change the perception and habits of the community towards garbage with new innovative system of garbage insurance scheme. We promote health investments with garbage. Therefore, this program is able to solve 2 kinds of problems simultaneously, health problem and environmental problem.

Who will work alongside your organization in the project idea? (1,000 characters)

GCI team consists of young people aged 22-35 years with an educational background of college or graduates of bachelor and master degree. Teams are divided into Experts Team, Replicators Team, Field Team, and Research and Development Team. In respect to this, we assume that it is worthwhile for the team to optimize the IP management of GCI projects. Expert Team plays a role in quality control, as a consultant concept, value maintenance, including responsible for the IP management of Garbage Clinical Insurance program. Replicators Team takes responsibility in coordinating the stages of replication Garbage Clinical Insurance with all stakeholders. Field Team carries out the role of technical work in the field of replication Garbage Clinical Insurance. Research and Development Team that supervised by academic partners in performing the function of development and research programs.

Please share some of the top strengths identified in the community which your project will serve (500 characters)

• Lower for waste collection and zero charge for access to health services
• Should members not be ill or injured and so not require treatment, they still benefit from preventative fees services.
• Full health service, members have access to preventative, curative and rehabilitative care.
• Covers costs when ill or injured
• Optimises waste management
• Sustainably financed
• Provides employment for a wide range of skill-sets - health workers, garbage collectors, community organisations.

Geographic Focus

Malang City, Indonesia.

How many months are required for the project idea? (500 characters)

The year of 2018 until 2019 has put a big influence for Garbage Clinical Insurance to grow. It was the time when the business impact has spread both internally and externally. Through the practice of Garbage Clinical Insurance, our company has successfully attracted international student to work in. Additionally, as the business shows its maturity to be scaled up massively, the project has been concerned on expansion of its social impacts to wider network.

Did you submit this idea to our 2017 BridgeBuilder Challenge? (Y/N)

  • No

2 comments

Join the conversation:

Comment
Photo of David / Thomas Svarrer / Høyer
Team

DEAR GAMAL,

Would you be able to explain how - in your setting - you turn garbage into a valuable resource?

I am asking on the background of having lived in Africa for soon 20 years, while working internationally, online, and having flown around the globe in the quest of doing solutions architectures.

I have - here in Africa - come across separation of garbage in its various components, and that can work even down to the micro-level where you see people seperate the biological waste from combustible, metal, wood, plastics and other groups of waste...

Here in the African setting, the most important separation is the one of bio-garbage from non-bio garbage, at source, due to that once it has been mixed, it is very difficult and also disgusting to separate it.

While, when you separate at source, you can - with clean fingers / hands and without the contamination of otherwise usable materials in various contexts with stinking bio-waste - actually reuse a lot of the non-bio garbage.

But I would like to hear how you have turned it into a net valuable source of income, such that your insurance scheme can work.

It is my guess that your idea - once explained very well - could work in many settings?

It is also my guess that if we would be able to just separate the biological waste from other waste, then we would get far.

If we furthermore could separate useful, recyclable waste, from waste which need some kind of treatment - in example - separate steel, iron, wood, glass, mirrors, screws, engine parts etc. - from canisters with paint, canisters with pesticides etc. - then we would be taking yet a good step.

I am very curious to hear how you have turned garbage into waste in your setting, and thereby provided a supportive or covering health system out of it.

Please explain elaborately, because I would also like to know how you oganize it.

If you need assistance in turning it into a system / software - then please feel free to contact me - I would not mind sponsoring some 10, 20 or 30 hours of consultancy for your project, provided that I believe in it.

THis message is from David Svarrer (not the team), in the Nexus 7 Solar Concentrator project.

Have a good day!
David Svarrer

View all comments