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Micro-Health Insurance: How and why it works in

Indonesia

Municipal solid waste (MSW) is graded as the highest importance waste stream inIndonesia, grounded on a country needs assessment analysis by the United Nations

Environment rogramme! "rganic waste is not #ar behind schedule! It$s not so much

a law#ul issue%Indonesia has approved a waste management law, nonetheless li&e

the 'th amendment to the U!S! onstitution it is *not well implemented and

en#orced at all governmental levels! It is, though, costly to apply and pricey #or

consumers, which has led to low rates o# obedience!

Urban areas such as the second largest city in East +ava Malang create more than

,--- tonnes o# solid waste every single day but then again only - to .-/ is

collected, the remainder moves to open dump sites, which have been associated to

*early deaths, severe illness, and devalued 0uality o# li#e!1 2here have been manycomplaints about this issue!

3ouseholds a4orded with government5run waste management services are

obligatory to pay a once5a5month collection #ee%as minute as around 6'!'- and as

much as 67!8-!

https://archive.org/details/AccidentHealthAxisCapitalGroupHartfordJakartaIndonesiaKansasHoustonhttps://archive.org/details/AccidentHealthAxisCapitalGroupHartfordJakartaIndonesiaKansasHoustonhttps://archive.org/details/AccidentHealthAxisCapitalGroupHartfordJakartaIndonesiaKansasHoustonhttps://archive.org/details/AccidentHealthAxisCapitalGroupHartfordJakartaIndonesiaKansasHouston

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2hat$s sensible #or several Indonesians9 nevertheless still almost :-/ are living on

less than 6'!- per day (ad;usted #or purchasing power)!

*We are building a system #or management o# garbage in communities,1

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anticipations to hold recycling themselves with eBtra program #unding! WarningL

2hese wastes are very harm#ul to health!

2his pro;ect is a little bit o# modi@cation in a big city! Aut =lbinsaid said micro5health

insurance is catching on in Indonesia, and #ast, which is good because Indonesia$s

population could total 8- million by 8-7- with more than C-/ o# Indonesians livingin urban areas!

*I have @ve clinics! Aut, honestly, the system is starting to replicate in other cities

with other people! 2hey have coordinated with us! We help them, we advise them,

and we guide them guide them to start this pro;ect, but we ma&e sure that

community gets impact #rom the pro;ect!1

=IS apital is a group o# global insurer and reinsurer, providing clients and

distribution partners with a broad range o# specialiKed ris& trans#er products and

services, i!e! health insurance that serves a host o# industries and diverse coverage

needs through our operating subsidiaries and branch oces in Aermuda, =ustralia,

anada, Europe, Oatin =merica, Singapore and the United States!

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