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Healthcare micro-insurance scheme using garbage as a financial resource in enabling slum folks access health care twice monthly.

We use waste as a financial resource in enabling uninsured poor slum dwellers access healthcare ;members pays clinical services using waste

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EXPLAIN YOUR IDEA

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. 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 reclying activities whom we partner . Our model entails registration of slum residents mostly women who become our members. Each member is required to deliver to us both organic & inorganic garbage worth $8; approximately 45kg of waste on a monthly basis, where we allocate 50% of the these fund towards providing each member with 2 monthly guaranteed clinic visits cover

WHO BENEFITS?

We mainly target kids below 5 years and expectant women based in slum areas around Nairobi City.By collecting and delivering waste to us on a monthly basis,our members plus their families are guaranteed 2 free monthly clinic visits,children can access medication from partner health centres to treat frequent communicable diseases that attack them due to poor sanitation in slums,expectant women access monthly check ups .By working with qualified local care centres,members access quality services.

TELL US MORE ABOUT YOU

Am Kennedy Lamwenya,owner of Sunpoynt Health.I have been a social entrepreneur for the past 3 yrs ,initially having worked in senior sales roles for social companies in solar,water and clean cooking across East Africa for 9 years.Am so passionat about improving lives,reducing energy-poverty levels.

WHERE WILL YOUR IDEA BE IMPLEMENTED?

  • Kenya
  • Tanzania
  • Uganda

EXPERIENCE IN IMPLEMENTATION COUNTRY(IES)

  • Yes, for more than one year.

EXPERTISE IN SECTOR

  • I’ve worked in a sector related to my idea for over a year

HOW HAS YOUR IDEA CHANGED BECAUSE OF BENEFICIARY FEEDBACK?

It was quite insightful to listen from the users of our service.Since we already have 955 active happy users of our service monthly,we decided to engage with fresh members who joined 6 weeks ago. Below is the summary of the feedback we received from 15 users of our service in Mathare Slums Nairobi; 1. We should include sending users weekly health tips on mobile phones . 2. If we could increase the value of the waste to be delivered from $8 to $10 per month. 3.If we could provide education cover for users children using similar model of waste. 4.If we could include user's extended family members into the list of beneficiaries. After gathering all these feedback from users,i met with the team and discussed matters arising.I must attest that some items within our idea have changed as follows; 1.Starting January 2017,we shall begin piloting the inclusion of users parents ONLY into the program.We shall select 50 users who reside with their parents in the slums to enable them access medical cover . 2.In the next 1 month,we shall be conducting research on how we shall incorporated education cover into our model for our users. 3. We plan to start sending health tips by JAN.

HOW IS YOUR IDEA UNIQUE?

Access to health insurance among slum dwellers has been lacking for decades due to poverty .Medical insurance companies ONLY target middle to upper class citizens thus locking slums out from benefiting from health insurance .Additionally, there is massive menace of garbage disposal,collection and dumping in slums.Nairobi city council officers and other private waste collectors only concentrate in middle to upper level estates thus leaving the menace of waste to thrive in slums.These leads to poor sanitation and hygiene in slums resulting into escalation of communicable diseases among kids below 5 years as well as blocking sewers which then spills over the surface causing massive environmental challenges.To solve these menace,i developed a model that incorporates all these problems to improve the lives of slum children and expectant women by using the problem of waste to provide the lacking finance for health access .By mobilizing slum women,whose kids die daily,to collect waste thrown around ,selling these waste and using the money to offer these women 2 monthly clinic visits plus their kids while improving sanitation in slums ,to us these unique & innovative.First in Africa.

WHY DO YOU THINK THAT THE PROBLEM YOUR IDEA SOLVES FOR HAS NOT BEEN SOLVED?

Visiting any slum in Kenya brings forth the reality of waste menace and lack of healthcare access .You will come across thousands of plastic waste thrown everything ,heaped up within residential areas where open sewer lines have burst open due to clogging of waste along the lines.Kids walking through such paths get sick due to poor sanitation and hygiene.Over 10 women we talked to before we started our idea confessed having lost at-least 1 child due to the diarrhea since they couldn't afford to pay for medication. Our research in 10 leading slums in Nairobi city revealed that only 15-25% of the residents are able to afford to pay for healthcare services.To us ,these is problem that thrives

WHAT ARE SOME OF YOUR UNANSWERED QUESTIONS ABOUT THIS IDEA?

1. How we can integrate our service model into the national healthcare system in Kenya. 2.How to integrate our waste disposal and dumping prevention measures into the City waste management policies. 3.Should we increase the number of monthly visits from 2 to 4,?How will these affect our revenue model and operational model? 4. Is these a sustainable step towards improving waste menace and access to healthcare in slums or we need additionally initiatives on behavioral change among slum dwellers as a whole? 5.Should we construct our own managed healthcare clinics or we continue partnering with private,well equipped healthcare centers based in slums? 6.How can we work with NGOs in slums ?

IS THIS IDEA NEW FOR YOU OR YOUR ORGANIZATION?

These is an idea i have been having for the past 1 year while working in corporate employing selling portable solar lamps to in slum areas in Kenya.These enabled me to come face to face with the realities of lack of access to healthcare and sanitation among slum dwellers .For the 2 years i was working selling solar lamps in slums,i was able to engage with various groups of women who shared their sad testimonies about the various challenges they were facing around health for them while pregnant and those for their children aged below 5 years. Every-time i listen to these women,i shade tears since theirs were nasty,heartbreaking stories that required only $5 a month to solve .Its from these experience that these idea arose,modeled and fine=tuned into a program that now improves the health status of over 500 expectant women and has benefited the lives of over 1000 children aged 5 years and below.

WHO WILL IMPLEMENT THIS IDEA?

Kennedy Lamwenya is the brain child behind these idea,where he is implementing it through a registered trade name of Sunpoynt Health,working together with a full=time team of 5 staff members ,10 part-timers and 6 volunteers,all recruited from the slum we operate from.The passion,vision and energy shown by each of these team enables us deliver great value and impact to our users right from training,education,awareness building in churches,vetting standards of partner healthcare centers to service

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. 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. Business Model

Our model entails registration of slum residents mostly women who become our members. Each member is required to deliver to us both organic & inorganic garbage  worth $8; approximately 45kg of waste on a monthly basis, where we allocate 50% of the these fund towards providing each member with 2 monthly guaranteed  clinic visits cover on a monthly basis once the waste is sold out to our partner recyclers which is  processed into money as a "health fund"  for members where each member is guaranteed 2 monthly clinic visits for family members, maternity weekly checkups for women members, could be either children or check up clinic visits for expectant mother to partner local healthcare centres/clinics paid by the health fund.

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.

The organic fertilizer produced will be sold to partner small scale organic farmers, flower farms on regular basis.

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.

3. What is the main social problem this idea is attempting to solve? What is the impact of the problem and why does it persist? 

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.

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.

4. 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 280 tons of waste,produced 500 bags of organic fertilizer  ( 25kg capacity),which has been sold to 100 organic farmers around Nairobi catchment areas.

5. 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. 


6. Main objectives in the next 5-10 years

Having launched our enterprise in April these year,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 10 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.

7. About the Founder,What inspires him and past achievements.

Am 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.

8. Feedback on Expert inquiries.

1. Do the women also earn an income?

Under our model,we only provide health insurance to our members and their family members. We don't pay them any cash nor income. Our women members have other ways through which they earn income to enable them support their families on other needs e.g food. Most of them run small scale grocery and low level selling of various products.

2. How does Sunpoynt cover operational costs?
Our model entails registration of slum residents mostly women who become our members. Each member is required to deliver to us both organic & inorganic garbage worth $8 on a monthly basis, where we allocate 50% or $4 of the these fund towards providing each member with 2 monthly guaranteed clinic visits cover on a monthly basis once the waste is sold out to our partner recyclers which is processed into money as a "health fund" for members.The balance of $4 per member forms our revenue where we spend 70% on running our operations while 30% is retained as our net income to enable as to scale-up.To us, these is a sustainable business model .

3. Where is the waste collected and processed, and by who?
All our members collect waste within their neighbourhood as well as roaming the entire slum area in where plastics has been disposed carelessly .Organic waste is mostly collected in local market places where slum residents buy various food stuffs.Waste is collected by our women members ,husbands and their children above 18 yrs whom they live with.

4. What impacts are women and families seeing from clinic visits - can they afford necessary treatments?

Our members have greatly benefited and witnessed their kids below the 5 years get treated within our partner private healthcare centres and chemists based within the slums.The $4 health insurance fund we allocate per member for 2 clinic visits or access to drugs and other medicine has enabled our members afford healthcare since under our partnership with local private health centres,we negotiate with them special discounts for various drugs and services that most of our members might seek. 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 280 tons of waste,produced 500 bags of organic fertilizer ( 25kg capacity),which has been sold to 100 organic farmers around Nairobi catchment areas.

5. Are families not tempted to use their children to collect the waste?


No,we strictly emphasis these during the training of our women members.We strongly warn all our members against using their young kids in collecting waste.All of them are told that they risk being disqualified from benefiting from our services incase they involve their young children in waste collection.We ensure all children are protected from any forms of waste collection and delivery activities.


SHARE ONE SENTENCE ABOUT THE IMPACT YOU WOULD LIKE THIS PROJECT TO HAVE FIVE YEARS FROM NOW, AND ONE QUESTION YOU NEED TO ANSWER TO GET THERE.

Sunpoynt Health targets to reducing child mortality rate in slums by 45% & infant mortality rate by 50% as well as reducing by 65% deaths among expectant women caused by home-based deliveries and post-natal hemorrhages;with key objective of increasing health insurance in slums by 45% and collecting 5400 Tons of garbage serving 10,000 women members and 35,000 slum children. How shall Sunpoynt Health foster partnership with public Waste collection Actors to steer slums to prosperity?

MY ORGANIZATION'S OPERATING BUDGET FOR 2015 WAS:

  • Under $100,000

MY INTENDED BENEFICIARIES ARE:

  • Within 50 km of where our team does most of its work

HOW LONG HAVE YOU AND YOUR COLLEAGUES BEEN WORKING ON THIS PILOT PROJECT TOGETHER?

  • Between 6 months and a year

WHY ARE YOU INTERESTED IN JOINING AMPLIFY'S PORTFOLIO OF INNOVATORS?

Enable me gain access to entrepreneurship mentorship and training-these skills will enable us be able to effectively manage our business towards achieving both short-term, middle and long-term milestones/impact we have set. Connect with other innovators across East Africa,sharing personal success stories,challenges and impact goals. Enable us connect with other innovators for future partnership collaborations & scale-up across EA. Seeking funding from investor to set up 4 more branches.
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Attachments (3)

SUNPOYNT_HEALTH_PROFILE LATEST.PDF

Abour Us,Our Model and Progress Report

Sunpoynt Health Acceptance Letter.pdf

Sunpoynt Health has been selected to participate in the 2017-18 Global Social Benefit Institute (GSBI®) Online program. Congratulations! This round that saw a strong applicant pool and we were selected as one of the 17 finalists from over 276 applicants and 29 semifinalists. We have been identified as a recipient to receive 6 months of program support, mentorship, and access to a broad network of social entrepreneurs and impact investors in 2017 10th cohort in the GSBI Online program.

SUNPOYNT USER EXPERIENCE MAP.pdf

Completed form of a user experience map.

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Ken Kingston We've featured your idea in a new blog post celebrating additional ideas from this Challenge. Thank you for your participation in this Challenge! https://challenges.openideo.com/blog/celebrating-youth-empowerment-challenge-ideas

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