Garbage Clinical Insurance (GCI) is a micro health insurance program which uses recyclable waste as a financial resource. With this program, the community is able to pay for clinical services by using garbage as payment to an insurance scheme. The project predominately 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 facilities and community members.
Individuals with low incomes collect garbage from the streets and bring it to GCI. 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 0.66 Euro per month, an individual is given access to a range of services including healthcare, rehabilitative healthcare, basic free treatment, in-clinic counseling and laboratory checks.
The separated garbage is then sold onto waste companies and collectors; organic waste is used for animal feed, inorganic waste can be converted to upcycling products and then sold for a higher amount. 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 promotive, preventive, curative and rehabilitative wellbeing. It further offers the community an incentive to start an organized waste management and waste entrepreneurship system from the household level so as to benefit from continual health insurance.
Indonesia has a population of approximately 251 million people with almost half of the population surviving on less than $2 USD a day and 60% without health coverage. With a garbage output of 200,000 tons a day, Indonesia ranks as the second highest generator of plastic waste worldwide. The GCI initiative tackles both challenges by creating a solution that cleans up the streets while also providing people with healthcare.
In general, residents must pay the government a fee for garbage disposal, however the poor management of municipal waste services has been linked to premature deaths and chronic illnesses dues to rubbish lying around. By collecting this waste and delivering it to GCI, a twofold problem is tackled: A range of healthcare services can be covered for as little as 10,000 IDR ($0.75 USD) and environmental issues due to neglected garbage are solved.
Publicly available: Yes
Countries where available: Indonesia
Price range: Contact supplier for quote