Cordaid launches microinsurance to protect Burundian farmers from climate and health shocks

BURUNDI – Cordaid International has introduced microinsurance schemes in Burundi to help smallholder farmers withstand climate shocks, illness, and unexpected expenses.

The initiative, rolled out under its PADFIR project, combines agricultural, health, funeral, and savings coverage into affordable packages that rural households can access.

Agriculture remains the backbone of Burundi’s economy, with most families depending on small-scale farming for survival. A single drought, flood, or illness often wipes out months of hard work and earnings.

To respond, Cordaid designed a model where farmers form groups, pool small contributions, and create transparent rules of compensation.

Community members themselves collect rainfall data during the season. When measurements show severe drought or flooding, farmers receive payouts. This approach ensures that the schemes remain simple and close to the people they serve.

“Now with agricultural insurance, we are sure that in case of loss due to climate change, we get compensation,” said Clémence Bucumi, a farmer taking part in the programme.

The schemes go beyond crops. Families can also enroll in health insurance that allows them to seek treatment without sinking into debt.

“Falling ill or seeing your child suffer is a weight you carry every day. With health insurance, we have more opportunities to access care,” said Octavie Mushiranzigo, one of the beneficiaries.

Funeral insurance adds another layer of dignity and security. One family that lost a young child received 200,000 Burundian francs (about 57 euros) to cover burial expenses.

“Without any insurance… the burial will take away part of our savings,” said Jeanine Niyogusengwa, who later registered with both funeral and agricultural insurance alongside her husband.

While the schemes offer relief, they remain in early stages. The programmes currently depend on PADFIR funding, which is supported by the Embassy of the Netherlands in Burundi. Cordaid has stressed that long-term sustainability will need continued technical and financial backing.

Still, local participation continues to grow. Farmers are seeing first-hand how risk-sharing at the community level can ease the weight of shocks. The schemes have also encouraged women and young people to join, expanding access to groups often left behind.

In a country where one bad season can devastate a household, the model is giving rural families more control over their future.

With time and support, Cordaid hopes the approach will build trust, attract new members, and provide stability to farming communities across Burundi.

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