Garbage Clinical Insurance

Garbage Clinical Insurance (GCI) is a micro health insurance program which uses garbage as a financial resource. The community pays for clinical services using garbage, in an insurance scheme.

In this way the community mobilizes their own unused resources to improve health access and breakdown the barrier between health facilities and community.

The main principle of Garbage Clinical Insurance is organizing the community to create sustainable financing and open health access. On the other side, it becomes an incentive for the community to start a proper waste management and waste entrepreneurship at the household level.

Practically, in general, residents must pay fee government to dispose of their garbage, but we offer residents to submit their garbage worth 10.000 IDR to us.

It is then used to cover their health care in a holistic manner, cover the patient's treatment (curative), make health care quality improvement programs (health promotion), and prevent illness(preventive).


Garbage Clinical Insurance (GCI) is a micro health insurance program which uses garbage as a financial resource. With this program, the community pays for clinical services by using garbage in an insurance scheme.Thus the community mobilizes their own unused resources to improve health access and breakdown barriers between health facilities and community members.

We open doors to health access. 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, preventative, curative and rehabilitative aspects.

We promote health investments with the collecting of garbage.


Garbage Clinical Insurance has already replicated its clinics in a lot of areas. The Role Model of Garbage Clinical Insurance has achieved approximately 600 members with membership cards system. In the future, Garbage Clinical Insurance will aim at replicating its program in other places to enhance and spread its usefulness in broader zones.

Physicians run this program from Monday to Saturday. In order to increase the program's sustainability, human resources in GCI are recruited from all clusters of health workers, such as doctors, midwives, nurses, pharmacists, dentists, and health volunteers.

GCI has recruited more than 200 volunteers, 40 medical doctors, and 62 nurses. All of the programs that are paid with garbage from the community independently ensure GCI has sustainability in financing and will have a long-term effect.


So far, there are a number of groups with similar waste collection initiatives, which trade the waste for money or goods.

There are also a number of insurance schemes in operation. However, we are the only focused effort to combine both approaches - exchanging (and managing) waste into micro insurance and health service.

Our distinctive characteristics are:
1) using garbage as a source of financing,
2) applying a holistic health system, namely health promotion, prevention of illness, treatment for the sick, and rehabilitation after illness,
3) social entrepreneurship,
4) broad access - a micro insurance system linked to garbage has broad access to the community, and
5) community independent financing.


To a certain extent, it also contributes to local sanitation improvement. Garbage Clinical Insurance increases garbage's 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 our new and innovative system of a garbage insurance scheme.

In 2014, more than 50 organizations learnt about, and developed this idea, in partnership with Gamal Albinsaid.


In empowering a communal organization, GIC has three steps, namely, building the system, stabilizing, and establishing independence.

We always focus on these steps because we have a principle that every program that wants to achieve a big impact should have the power of sustainability.

To build sustainability, we must build a sustainable financing system, service system, quality control, and prepare resources. The hardest challenge we face is gaining community participation because this micro insurance system needs a lot of members to maintain it.

Advocating and gaining the support of the leader in the community; and using the community organization approach, which is a strength in both cultural and structural schemes, is the solution.


Given that the goals of public health, which in principle are to gather public potentials or resources that exist in the society itself for the efforts for promotive, preventive, curative, and rehabilitative health; and to be able to manage health resources independently, it should be clear that one of our focuses is to establish the independence of the program.

The main focus of this insurance program is to collect public garbage resources. Garbage Clinical Insurance is independently and sustainably maintained by a community organization.

Garbage Clinical Insurance (GCI) is a prototype of a micro health insurance system with funding through the garbage insurance scheme which can be replicated in other regions and can be adopted as a government program to expand its usefulness.

In developing this product, we have applied scientific techniques and conducted research in order to make the referral program a role model of a reliable innovative micro-insurance scheme.




Malang, East Java, Indonesia