Garbage Clinical Insurance

It is a micro health insurance program which uses garbage as a financial resource, breakdown barriers between health facility and community

Photo of Gamal Albinsaid
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I confirm that I am fully aware of the eligibility criteria, and based on its description, I am eligible to apply to the CSV Prize 2017.

  • Yes, I'm eligible

Preferred language

  • English

Organization name

Indonesia Medika

Year founded


Initiative stage

  • Scaling (the solution has passed the previous stages and is growing its impact on a regional or global scale)

Annual budget in 2017 (USD)

  • $1k - $10k

Number of beneficiaries impacted so far

  • 1,000 - 5,000

Organization type

  • Social enterprise

Secondary Focus Area

  • Nutrition

Headquarters location: Country

  • Indonesia

Headquarters location: City


Location(s) of impact

Malang, Indonesia


Facebook URL

Twitter URL

Problem: What problem is this initiative trying to address?

With more than 258 million populations, until now, “limited resource” has become the cliché of poor health service for the poor, with the average income less than $60 per month, 2.1 % of them used for health consumption. Many people cannot get health access due to financial factors. This is exacerbated by low management system of municipal solid waste, which has been linked to premature deaths, serious illness, and diminished quality of life.

Solution Summary: What is the proposed solution? What do you see as its most promising aspects for creating shared value?

This motivates us to develop garbage insurance scheme as health financing that we call Garbage Clinical Insurance. 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 breakdown barriers between health facilities and community members. We open doors to health access. 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 (around US$0.75) to us. It is then is used to cover their health care in a holistic manner.

Impact: What is the impact of the work to date? Specify both the social and the environmental impact of your work

By far, Garbage Clinical Insurance has reached more than 2,000 people with total estimation of garbage collected around 6.26 tons since in the first operation of the business in 2010. Having more than 300 paying customers actively doing frequent transaction to our program, either to submit garbage or getting healthcare services from our clinic, has contributed to local development environmentally and socially. As a part of business activities, our team also conduct home visits to GCI members, as a part of prevention program, to reduce the risk of many disease and encourage healthy livings.

Financial sustainability plan: How is this initiative financially supported? How will you ensure its financial sustainability long-term?

In order to achieve financial sustainability all sectors in program should follow the work plan and financial management as agreed and has been verified by company. Replication plan is how we could achieve this. To support this business activities, several key sectors in the program such as marketing, campaign, and resource are essentially needed. External funding is also required for making actions plans of the business to become a reality.

Unique value proposition: What makes your initiative innovative? How does your project differ from other organizations working in the same field?

Increase garbage value, open doors to health access, apply holistic health system, high social value

Founding story: Share a story about the "Aha!" moment that sparked the beginning of this initiative.

It is started from a hearth-breaking story named Khaerunnisa, occurred on June 5, 2005. She was the daughter of a 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. Then, we started to think, how we could create health financing system which permits all people to get health access from their house hold level. This motivates us to develop garbage insurance scheme as health financing that we call Garbage Clinical Insurance. Garbage Clinical Insurance. We use garbage to help people gain healthcare access.

Where did you hear about the Nestlé Creating Shared Value Prize?

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1 comment

Join the conversation:

Photo of misolo sakala

having been working in the recycling space, i know the value in worst and having been working in impoverished communities i understand the great impact this idea will have. great work