Indonesia Medika

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Indonesia Medika: Garbage Clinical Insurance

Malang, IndonesiaMalang, Indonesia
Year Founded:
Organization type: 
nonprofit/ngo/citizen sector
Project Stage:
$50,000 - $100,000
Project Summary
Elevator Pitch

Concise Summary: Help us pitch this solution! Provide an explanation within 3-4 short sentences.

Garbage Clinical Insurance(GCI) is a micro health insurance program which uses garbage as a financial resource. The community mobilize their own unused resources to breakdown barrier between health facilities and community. On the other side, it becomes an
incentive to start waste entrepreneurhip.

WHAT IF - Inspiration: Write one sentence that describes a way that your project dares to ask, "WHAT IF?"

What if garbage insurance scheme could be used by community as a national healthcare insurance?
About Project

Problem: What problem is this project trying to address?

Indonesia is classified by the World Bank as a lower-middle-income country. Until now, "limited resource" has become the clichéof poor health service for the poor.Households spend about 2.1 percent of their total consumption on health which is relatively low compared to other countries.This is exacerbatedby low management system of municipal soild waste, which has been linked to premature deaths, serious illness, and diminished quality of life.

Solution: What is the proposed solution? Please be specific!

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. 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.


The HRH Prince of Wales Young Sustainability Entrepreneur, GSVC South East Asia Award 2015,
Impact: How does it Work

Example: Walk us through a specific example(s) of how this solution makes a difference; include its primary activities.

Garbage Clinical Insurance (GCI) is a health insurance program which uses garbage as financing tool. With this program, community give their garbage to the clinic regularly. Afterward, collected garbage is processed in two ways, organic waste is processed to be fertilizer by applying Takakura composting method and Inorganic waste, such as paper, cans, bottles, plastic, is sold to collectors. Each month the collected garbage reached about 10.000 IDR, which is used to cover health care in a holistic manner, covering the patient's treatment(curative), making health care quality improvement programs (promotive), preventing illness(preventive), and rehabilitative aspects, such as free treatment, inclinic counseling. laboratory check, etc.

Impact: What is the impact of the work to date? Also describe the projected future impact for the coming years.

The program has been replicated in a lot of cities in Indonesia. I work with 45 youth people aged 18-26. Garbage Clinical Insurance aim to replicating its program in other places to enhance and spread its usefulness in broader zones. Today, I have support replications in other region, such as 17 government agency, 21 University, 18 NGO and company. But this is not enough for me. Frankly, I am not satisfied yet with what I did. My goal is not only create breakthrough program, but also how to make it more effective and efficient. Through those program, he hope to accomplish problem in my own country and Indonesia could possess better human resources quality. Every Garbage Clinical Insurance has achieved approximately 200-700 members with membership cards system. We start 2010, empower 157 youth people to take an active role and we support more than 2000 people to get health access.

Spread Strategies: Moving forward, what are the main strategies for scaling impact?

Massive Replication : a. Creation of new programs in other regions (Initiation), b.Ensure power of sustainability (Stabilization), c.Society self-reliance (Independence). Following the previous award and publication, we had been approached by various parties (government, NGO, as well as private) to replicate the model. But organizing the community takes process.

Financial Sustainability Plan: What is this solution’s plan to ensure financial sustainability?

The revenue stream of this model is garbage collection, profit margins from the insurance scheme, garbage processing. With this program, community gives their garbage to the clinic regularly. Afterward, garbage is processed into health fund. First of all, inorganic waste, such as paper, cans, bottles, plastic, is reused and recycled. Secondly, organic waste is processed to be liquid and solid fertilizer by applying composting method.

Marketplace: Who else is addressing the problem outlined here? How does the proposed project differ from these approaches?

There are a number of groups with waste collection initiatives and insurance scheme. However, we are the only focused effort to combine both approaches - managing waste into micro insurance and health service. Our distinctive characteristics are: 1) using garbage as a source of financing, 2) applying holistic health system,namely promotion,prevention,curative,rehabilitative. 3) socialentrepreneurship and social engineering,, 4) broad access, because all citizen can join this program, 5) community independent financing, 6) increase value garbage exponentially, 7) manage sanitation improvement.

Founding Story

We believe that health is a fundamental human right. Hovewer, in reality many people cannot 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. For example, 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


We come from wide range of disciplines. 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. FUNCTIONAL TEAM FOR MASSIVE REPLICATION GARBAGE CLINICAL INSURANCE 1. Replicator Team, a. Conduct training for project managers, project officers, and team support, b. Communication with stakeholders, c. Accountability on the Expert Team and Stakeholders d. Intensive supervision program, e. Data analysis in the implementation of the program, f. Ensure stakeholder satisfaction in cooperation, 2. Expert Team, b. Conduct systematic and progressive research and development of program in order to monitor the overall Garbage Clinical Insurance program in an effort toward duplication and modification, in both the financing and service systems. c. Able to become a place to exercise their functions in the administration of academic and scientific programs Advisory Board : Dr. Rita Roshita, M.Kes [lecturer at Brawijaya university], Eveline, [Ashoka Changemakers Network Coordinator South East Asia & Pacific, Ashoka Indonesia], R. Sudirman, [4th Deputy Assistant Waste Management ministry of Environmental and Forest], Drs. H. Sakhyan Asmara, MSP, [2nd Deputy Ministry of Youth and Sports Republic of Indonesia], Nichola Dee, [Lecturer at Cambridge Program Sustainability Leaderhsip, Cambridge University], Emma Mee, [Lecturer at Cambridge Program Sustainability Leaderhsip, Cambridge University], David Darmawan, [CEO PT. Socentix], David Soukhasing, [Investment Manager, Southeast Asia at LGT Venture Philanthropy],