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    Date submitted
  • 11-Jul-2015

Garbage Clinical Insurance

Abstract

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 break down barriers between health facilities and community members. We open doors to health access.

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 entrepreneurhip from household level. To a certain extent, it alsocontributes 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.

Practically, in general, residents must pay fee to government to dispose of their garbage, but we offer residents to submit their garbage worth 10.000 IDR to us. It is then is used to cover their health care in a holistic manner, cover the patient's treatment(curative), make health care quality improvement programs (health promotion), prevent illness (preventive), and provide rehabilitative health care, such as free treatment, in-clinic counseling, laboratory check, etc.

Video

Original YouTube URL: Open

Introduction Video

Additional Questions

Who is your customer?

Everyone could be the beneficiaries of our project, but main beneficiary are : Poor community, almost poor community, unrecognized poor community, community with limited health access

What problem does this idea/product solve or what market need does it serve?

There are significant issues in Indonesia; Health and environment. There are 85 percent of the population still remains without any coverage in health insurance. Recent estimates indicate that about 18 percent of its population continues to live below US$1 a day, and about half lives below $2 a day. Households spend about 2.1 percent of their total consumption on health, ranging from about 1.6 percent for the poorest decile and 3.5 percent for the richest, which is relatively low compared to other countries with similar income levels. This is exacerbated by low management system of municipal soild waste, which has been linked to premature deaths, serious illness, and diminished quality of life. In other hand, households provided with government-run waste management services are forced to pay a monthly collection fee as little as about $1.10 and as much as $3.20. in reality many people can not get health access because they do not have sufficient money and the cost for medication is expensive. Indonesia has a huge problem regarding access to healthcare. Many people can not get access to health care due to financial factors. Besides, every day every house produces garbage which is not used. For instance, an urban area like Malang, where this program has been developed, produces more than 55.000 tons of solid waste everyday, but only 50-60 percent is collected. Garbage is the best solution because almost every day every house produces garbage which is not used, For instance, an urban area like Malang, where this program has been developed, produces more than 55.000 tons of solid waste everyday, but only 50-60 percent is collected. Practically, in general, residents must pay fee to government to dispose their garbage, but Garbage Clinical Insurance offer residents to submit their garbage worth 10.000 IDR to us, which is used to cover their health care in a holistic manner, cover the patient's treatment (curative), make health care quality improvement programs (health promotion), prevent illness (preventive), and provide rehabilitative health care, such as free treatment, inclinic counseling, laboratory check, etc. Funds in starting our clinic are achieved in various ways, ranging from using private funds, cooperation with landowners, making arrangements with the owner who has the spirit of social entrepreneur, and making arrangements with the stock system. 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 way can make the community mobilize their own unused resources to improve health access and breakdown barrier between health facilities and community. We open health access

What attributes will make this idea/product successful? Why do you believe that those features will create success?

By far, there are a number of groups with similar waste collection initiatives, which trade the waste with an amount of money or goods. There is also a number of insurance in operation. We combine both approaches - exchanging waste into micro insurance and health service. Our distinctive excellencies are: 1) using garbage as a source of financing, 2) applying holistic health system, namely health promotion, prevention of illness, treatment for the sick, and rehabilitation after illness. 3) social entrepreneurship, 4) broad access, micro insurance system with this garbage has broad access to the community, 5) community independent financing. Currently, although standard clinics concentrate their efforts on treating the sick people, GCI applies a holistic health system that allows residents to use funds from their garbage production to seek out preventive care in addition to curative or rehabilitative care In empowering a communal organization, GCI has three steps, namely, building the system, stabilizing, and establishing independence. We always focus on these steps because we have a principle that every program which wants to achieve big implications should have the power of sustainability. To build sustainability, we must build a sustainable financing system. Advocating the leader in the community and community organization approach, which is a strength in both cultural and structural schemes is initial approach strategy

Explain how you (your team) will execute to make this idea/product successful? What gives you (your team) an advantage over others already in the market or new to this market?

• In local management structure, we divide our management team into 3 divisions, namely : 1. Financing Division, Financing Division is responsible for managing garbage as a financing resource and responsible for developing sustainability in terms of financial aspects 2. Service Division, Service Division is responsible for streamlining health services and developing public health in the community, 3. Research and Development Division Research and Development division is responsible for collecting and analyzing data in order to monitor, improve, and modify the quality of the program. • Our CEO and Project Secretary who has a background in tax and accounting. • we have an Assessors Group in charge of overseeing and evaluates team performance. • We are consist by diverse education background and no one have not experience in waste management