This study aims to identify gaps in Indonesia’s national social health insurance scheme (Jaminan Kesehatan Nasional or JKN) in meeting the right to health for disabled persons in the country and to propose strategies to mitigate the gaps. This study employed descriptive qualitative methodologies. A questionnaire survey and structured interviews were undertaken from the period of October to December 2021, with a purposive sample of 317 disabled persons at their working age. Data collection also included on-site observations to sample of healthcare providers in six provinces and focused group discussions with key stakeholders. This study found that JKN is the primary source of hope for disabled persons. Nevertheless, approximately ten percent of disabled persons have been omitted from the scheme. Moreover, respondents of the survey expressed notably lower satisfaction level compared to the national average. Meanwhile, 25% of them also reported that JKN did not cover certain disability-specific benefits. The findings suggest that the national social health insurance scheme is not well prepared to offer disability-inclusive services. Thereby, policymakers should implement various interventions to improve the admission processes for disabled persons and to develop a system to identify disabled members based on their specific disabilities. Additionally, stipulating standards for disability-friendly minimum services for healthcare providers and incorporating the standards into the credentialing systems, providing regular training on disability-friendly services for healthcare personnel, also enhancing benefits coverage for disabled members in the Indonesian Case Base Groups (INA-CBGs) are the necessary strategies to mitigate the gaps.

South Africa, like many emerging economies, grapples with the challenges of rapid urbanisation, unequal access to resources, and historical spatial inequalities. Addressing these issues requires a multifaceted approach that reimagines urban real estate development as a catalyst for positive social change. This paper explores the imperative of inclusive urban real estate development in South Africa and presents innovative strategies to promote equity, accessibility, and sustainability in urban environments. Following a quantitative inquiry technique, primary data was gathered from 109 built environment professionals with experience in sustainable urban development. To support this, descriptive and inferential statistics, particularly exploratory factor analysis (EFA), were used. According to the descriptive analysis using the mean score (MS) ranking technique, the development of affordable housing was one of the higher up-front innovative strategies for reshaping real estate development. Ensuring objectivity in city planning, re-engineering the city streets and buildings to create a safer environment were among the highly ranked strategies. The EFA further demonstrated that “urban redevelopment”, “government regulations”, “spatial planning”, “urban policy” and “diversification” were the underlying groups of new approaches for inclusive development. Implementing these innovative strategies, South Africa can move towards a more inclusive and equitable urban landscape, where urban real estate development becomes a force for positive social change, fostering sustainable economic growth and improving the quality of life for all citizens. This research contributes to the ongoing dialogue on urban development in South Africa and offers actionable insights for policymakers, developers, and community stakeholders invested in shaping more inclusive cities.