Finalist Spotlight: Garbage Clinical Insurance

Finalist Spotlight: Garbage Clinical Insurance

Portrait de Fiona Koch

Garbage Clinical Insurance (Indonesia): Exchanging garbage for free health care.


Over 60% of the population in Indonesia do not have health insurance coverage. Many low income families cannot get access to health care because they do not have the financial resources. Dr Gamal Albinsaid wanted to find a sustainable business model that provides healthcare to families who could not afford health insurance coverage while also tackling Indonesia’s excessive garbage problem. 


Garbage Clinical Insurance (GCI) is a micro health insurance program that empowers patients in Indonesia to pay for their holistic health care by handing in their garbage at the local community health care facility and receiving medical treatment in return. Once collected at the clinic, the organic garbage is made into a fertiliser, while inorganic waste is sold to collectors to be recycled. This makes the model financially sustainable. This encourages the community to mobilise their own unused resources to improve health access and break down barriers between health facilities and community members. This also has the roll on effect of starting proper waste management from within the household, which improves local sanitation. 


Garbage Clinical Insurance plan to replicate the model which has been proven to work within six sites to a larger number of cities around Indonesia that have limited access to health care services. However this requires additional resources to implement. The GCI team have been participating in the Co-Creation Accelerator program as part of Phase 3 of the Making More Health: Co-Creating a Healthier World Challenge and have been working with Boehringer Ingelheim to create a business model which could scale the project to make more health and impact within more communities.

The potential to scale the project through this partnership between GCI and Boehringer Ingelheim bridges GCI’s experience in creating the micro-insurance model and Boehringer Ingelheim’s global network for distribution of pharmaceuticals. Community-based healthcare facilities will be project managed by GCI’s team of well-trained staff who can also provide access to research, networks of NGOs, Ministries and other strategic players in the field. 

Boehringer Ingelheim can support the scalability of the micro-insurance model by providing financial support, business analysis advice, marketing and research and development as leading health care experts from the business sector. 

The collaborative solution has the potential to make more health by providing affordable health insurance through community-based health care facilities, while simultaneously improving waste-management systems within low income communities.