Eco-Clinical Insurance

Published on April 7, 2016 um 20:12

Explain your idea in details:

Eco-Clinical Insurance (ECI) is a bold attempt to improve access to healthcare for poor population. This will be achieved by using waste materials (inorganic and organic) as a monetary resource.Eco-Clinical Insurance (ECI) attempts to solve the problem of poor health access due to lowsocioeconomic status. A recent estimate by the World Bank sets the poverty headcount (based on US$1.4 per day threshold) in Nigeria with an estimated population of 173.6 million at 33.1%. Households who are usually classified as having incurred catastrophic expenditure have spent 10% or more of their total expenditure on health care. In 2012, 24% of Nigerian households incurred catastrophic health expenditure. About 17% of the households spent more than 15% of total annual expenditure on health. This interplay of poverty, reduced health access and poor health outcome inspired this radical initiative to cut the sequence by a simplified yet effective health management and financing program. Each day, Nigerians and Africans at large generate different types of wastes, ranging from municipal solid wastes to organic wastes. money is usually paid to government agencies for waste disposal, but these wastes, generated on a regular basis can be used as money to access healthcare. The wastes received are monetized and used to provide holistic care (preventive, curative, rehabilitative and laboratory) for the client. The wastes are sorted into organic and inorganic wastes. The organic wastes are made into fertilizers through composting and the inorganic wastes recycled and/or sold to collectors.Quality healthcare is a human right and should be made available regardless of socioeconomic status.

Expected impact of your idea on sustainable development

Human populations generate wastes continuosly and are also in constant attempt to improve their health, hinged to a significant extent by poverty that results in reduced access to quality healthcare. This idea employs the use of the 'readily available' as an alternative for the 'scarce' to provide quality healthcare. This enhances other attempts at improving the wellbeing of individuals and communities. Occupying the 31st position(of 36) on the Nigeria's budget allocation, Osun state is home to more than 4 million citizens.On establishment, the program is expected to reach about 196,220 people inhabiting ife-central local government area of the state and will be replicated in other communities to help families overcome healthcare burden.Its replicability can also be extended to other African countries. Families will have easier access to quality healthcare because they will no longer be troubled of healthcare costs, communities will be clean,contributing to less hazardous environmental effect and will also reduce susceptibility to preventable illnesses. Because community members will be engaged in recycling, it can also create employment.Recycled products can also be sold to communities at cheaper rates, compost can be used by farmers, gardens, nurseries etc to grow plants. Target customers are populations who find it difficult to access healthcare due to poverty and who are prone to developing nonchalance towards issues of self-health promotion. Enrollees will be 18 years and above, but benefits can be spread on dependants, can be male or female who are low income earners, no educational background or job specification required. The success of the business idea will be measured by the following: 1. A large number of registered committed users of the program 2. A cleaner community 3. Replication of the program in other communities.

Plans for implementation and sustainability

Because families of low socioeconomic status make up a significant portion of the target population, it became necessary to determine exactly what type of waste households generate. Using stratified random sampling, 75 households were interviewed. Analysis indicated that 37% generate vegetative/organic waste more than other wastes, 21% plastic and polythene products, paper products 10%, metal/aluminium 10% with ceramics,textiles and others distributed within the remaining households. This gave us an insight into proper planning to ensure effectiveness.

Siting is a key factor in the success of this idea. Siting however is influenced by location with high target population and distance to existing disposal sites. A study is currently on to determine these factors.

The main revenue will come from waste management: sale of recyclables/up-cycling products and compost (from processed organic wastes). Other potential revenue are service costs paid by non-member patients and a small fee paid for waste management ( significantly lesser than neighborhood waste management agencies).

The primary collaborators will be the community members themselves. First, they will be educated through a 'train a trainer' approach about the importance of self-health promotion, the effect of a clean environment on health outcome and the usefulness of the insurance program. They will in turn propagate this to other community members.

Other collaborators will include tertiary health institutions for the purposes of referral on conditions the insurance cannot cover. On short term, waste will be sold to waste collectors for recycling, but this will stop once the program has gained stability. Recycling will be performed by the program itself by employing community members.

This idea enjoys the availability of a professional team and advisory support but will need funds to procure equipments and to help in other logistic planning.

Your profile

Akeju Tony is a young and highly motivated Nigerian with a passion to positively impact lives. Born about 22 years ago in Jos, Plateau State, Nigeria, he was raised by Christian parents who taught discipline and hard work despite low financial conditions. He grew to understand the influence of money on the welfare of the home, particularly when he lost his dad. He is currently a senior nursing student in one of Nigerias topmost university. His professional work and background have spurred a desire in him to ensure that people, especially underserved populations live and lead happy and healthy lives.As a result, he made attempts at initiating programs to fulfil his passion, some of which failed, and some which influenced the birth of this idea. He is the lead human resource manager for green the gene Nigeria, a global youth led eco-friendly initiative headquartered in India. He is influenced by philanthropic business moguls, social innovators and youths of like minds. He is innovative, dedicated and highly perceptive.

Stage of Idea

planning stage

courtesy: oneacrefund.org

Picture upload

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Comments

Samuel Cruz

August 24, 2016 13:46

Where are you applying this project?

August 20, 2016 13:17

This is a great idea comrade. It can transform Africa if implemented, and I support it by votes and comments. What to do is just don't give up!

June 15, 2016 11:53

Hi dear Tony!

I find you idea interesting. It's so perspective and relevant now. I don't doubt that you'll achieve success with it. I wish you good luck and vote for you.
Please check out my idea too and please vote for it if you find it interesting.

Respectfully,
Anna

June 14, 2016 14:58

Hi,
This is a good project, it will improve lives, great idea there. Wish you the best.
I have cast my vote for you!

Please I need you support also and a comment will also help. please check out my idea by clicking "Pwavodi Tanihungoama Joshua" above, and give your valuable comment/advice.

https://www.entrepreneurship-campus.org/ideas/4/3490/

Best Idea Category Do you know NEEM saves Lives

Also, if you like my idea, PLEASE vote for me!
Thank you in advance for your time.
Best,
Joshua

June 13, 2016 18:14

Hi, you have a good idea there THUMBS UP.
I have cast my vote for you!
Please i need you support also and a comment will also help. please check out my idea by clicking "Pwavodi Tanihungoama
Joshua" above, and give your valuable comment/advice.

https://www.entrepreneurship-campus.org/ideas/4/3490/

Best Idea Category Do you know that NEEM saves Lives

Also, if you like my idea, PLEASE vote for me!
Thank you in advance for your time.
Best,
Joshua

June 13, 2016 18:11

Hi, you have a good idea there THUMBS UP.
I have cast my vote for you!
Please i need you support also and a comment will also help. please check out my idea by clicking "Pwavodi Tanihungoama
Joshua" above, and give your valuable comment/advice.

https://www.entrepreneurship-campus.org/ideas/4/3490/

Best Idea Category Do you know that NEEM saves Lives

Also, if you like my idea, PLEASE vote for me!
Thank you in advance for your time.
Best,
Joshua

April 21, 2016 20:56

Wow.. This is an interesting project. Health care is very important so also is good sanitation procedures. Kindly look through our works too and advice us sir thanks.

https://www.entrepreneurship-campus.org/ideas/10/2256

April 18, 2016 02:01

Thank you Isaac. Sometimes I wonder at how largely efforts geared at optimizing universal health coverage go down the drain. It is also disheartening to know that the poor are those who bear the most significant brunt of this consequence. The reasons are quite obvious and are palpable in many communities. A blend of illiteracy, unemployment and position on wealth distribution chain are major factors. We have therefore evolved an initiative to cut this viral trend.

April 17, 2016 12:09

That is such a great effort, Tony. I am touch by the target group of your idea because it seemingly create assess to healthcare for all.
i come from a poor home so i know how it feels to be poor particularly the part which offers no hope of security and health care.

April 10, 2016 19:54

innovative idea

April 10, 2016 16:24

Thank you for the inciteful comments on my idea, they assure me of its success in Africa and beyond.

kenny

April 9, 2016 20:44

Quite innovating...ts a brilliant idea!

Gben

April 9, 2016 20:04

Diese Idee finde ich sehr wichtig in der nigerianischen Gesellschaft und in anderen africanischen Laendern. ich glaube, es ist gut, weil in anderer Gesellschaft gemacht wird. ich wunsche dir alles gute und ich druecke dir die Daumen.

April 8, 2016 22:36

Nice concept, an idea that brings soothing relief to the poor is what you have presented!