Garbage Clinical Insurance : Micro Health Insurance Which Use Garbage as Financial Resources
Example: Walk us through a specific example(s) of how this solution makes a difference; include its primary activities.
Impact: What is the impact of the work to date? Also describe the projected future impact for the coming years.
Spread Strategies: Moving forward, what are the main strategies for scaling impact?
Financial Sustainability Plan: What is this solution’s plan to ensure financial sustainability?
Marketplace: Who else is addressing the problem outlined here? How does the proposed project differ from these approaches?
Founding Story
Team
1.Massive replication
Boehringer Ingelheim has enormous power to accelerate enlargement of this program. In the next step we hope to perform a systematic and organized effort to gain the support of your resources, such as networking support, idea support, and policy support. Boehringer Ingelheim can help us creation of new programs in other regions, ensure power of sustainability, society Independencing.
2. Education, Training, and Research activity for Role Model Development
In developing this product, we need science aspect (scientific) and research in order to make the referral program as a role model or a reliable micro-insurance. Research with Boehringer Ingelheim is one way to build confidence (trust) and external credibility.
Distribution Channels, Research and Development, Marketing/Communications Support, Legal Support, Public Policy Knowledge.
As a pilot project, Garbage Clinical Insurance should implement the results of analysis, research, and development of a holistic and integrated manner. The analysis includes the analysis of health services, financing programs, and quality control. Moreover, as the pilot projects, Garbage Clinical Insurance expected to conduct interdisciplinary approaches in the development of this program, including health, environment, community psychology, community communication, community economics, program administration, and others. Then, Garbage Clinical Insurance need modification in the future.
Insights into distribution.
Improving the affordability of healthcare (e.g., microinsurance, reducing the economic cost of care).
Garbage Clinical Insurance (GCI) is a micro health insurance program which uses garbage to pay insurance scheme. The community mobilize their unused resources to finance fully operating healthcare service, thus improving health access and environmental condition (reducing waste burning/ littering).
With Boehringer Ingelheim (BI), we hope to replicate GCI globally. With this model, BI can provide affordable health service through community-based healthcare facility, and improve local sanitation through community-based waste management (thus making more health). This model ensure sustainability and cost-effectiveness, in comparison to building a charity-based conventional clinic. Business wise, this opens new distribution channel for BI products to low income market.
a new service, a new distribution channel, a new market/customer group.
Boehringer Ingelheim (BI) & Garbage Clinical Insurance (GCI) micro health insurance program - a sustainable community based healthcare plus sanitation solution. Together, we open doors to health access for all and promote a new approach to sanitation problem through the use of garbage as investment tool for health.
Our mission is to open doors to health access for all, by providing affordable health service using garbage as investment tool. We believe health is fundamental human right. The main focus of Garbage Clinical Insurance is to provide/ finance independent and sustainable health service maintained by community organization. Garbage Clinical Insurance (GCI) is a prototype of micro health insurance system which is easy to replicate in areas with limited access to healthcare service .
Potential link:
- expanding BI pharmaceuticals market: the micro insurance scheme may also cover pharmaceuticals associated with the condition treated.
- creating new distribution for BI pharmaceuticals: the healthcare service (clinic) may include drug kiosks unit serving BOP market.
- research and development opportunity: the BOP market is prone to various diseases due to personal (e.g. lack of knowledge to support healthy behavior) and environmental (e.g. pollution, poor sanitation) factor. This would be an ideal subject for research on various diseases.
My organization will contribute expertise for project implementation. We have over 6 years of experience of developing Garbage Clinical Insurance from research activity to 6 trial sites in different local condition. We have our team of competent implementer and some potential partner, such as Ministry of Environmental and Forestry Ministry, Health Ministry, Cambridge University, and strategic NGO. We have also open source materials that can be adopted by BI.
Boehringer Ingelheim will contribute support for project replication (monetary/ in kind/ human resources), within BI global network. We also hope to improve GCI with support from BI expertise in business analysis, marketing, legal issue, partnership, and research & development.
The main revenue comes from waste management: sales of recyclables/ up-cycling products and compost (from processed organic waste). Other potential revenue are service cost paid by non-member patients, and small fee for waste processing (lower than the cost of neighborhood waste service fee).
- Local community engagement: the community willingness to participate
- Local waste infrastructure: existing facilities in place
- Recyclables price instability: ability to secure a good price for waste
- Managing organic waste: composting requires investment upfront and careful management
- Local government engagement: collaboration with existing two key services - healthcare and waste management
- Widespread epidemic: should a significant health crisis (e.g. Ebola) affect a community implementing GCI model, health clinics could be overwhelmed.
We believe this idea in line with Boehringer Ingelheim "Value through innovation", in which value is Trust, Passion, Empathy, Respect.
Garbage Clinical Insurance is born from empathy on people without healthcare access and passion of improving healthcare. In the idea and implementation, we respect the poor by trusting their capability to create sustainable financing from their own resources, and facilitate people to improve the access and quality of health service from promotive, preventive, curative and rehabilitative aspects.
I’d like to implement together, I mostly need strategic advice, other (Please explain below).
Also interested in in-kind support (e.g. pharmaceutical supply) and potential research activities.
Government, particularly:
- Ministry of Environment: Through Ir. Sudirman, our contact, we plan to include garbage clinical insurance as a prerequisite of Adipura Award. This gives opportunity for us to spread the idea and give training more than 20 local government in province and city level.
- Ministry of Health: Indonesia recently develop National Health Security program. This program become new opportunity to spread the idea of Garbage Clinical Insurance. We try to integrate premium system with JKN, here our options: 1), we offer residents to submit garbage as worth 25.000 IDR, 2) residents pay 15.000 IDR, 3) adopt form of PSO.