​Bundled insurance refers to a combination of insurance covers within one insurance policy. This type of product gives a consumer added convenience, needs less administration and potentially delivers cost savings. Together with FijiCare, a first bundled microinsurance product was launched in the Pacific, offering term life, funeral expenses, property and personal accident cover at a standard, affordable premium. For distribution of the product across rural communities, UNCDF and FijiCare collaborated with sugarcane famer organizations and dairy cooperatives.​

 

The Bundled Insurance Product is a welfare initiative designed to safeguard the wellbeing of all active cane growers. The program is offered at an annual premium of $60 and provides comprehensive coverage valued at $10,000. The package offers $4,000.00 in coverage for term life insurance and funeral benefits, $3,000.00 for house fire insurance, and $3,000.00 for personal accident insurance, bringing the total coverage to $10,000.00. With the help of Fiji Care Insurance Ltd, the Program has officially entered its eight year of operation. 

 

In accordance with Part 4, Sections 52 and 53 of the Sugar Industry Act 1984, the Sugar Cane Growers Council (SCGC) administers the Growers' Welfare Premium Deduction Scheme to facilitate the collection of annual insurance premiums for all active sugarcane growers. As mandated by Council resolution, the Accountant of the Sugar Industry Tribunal is authorized to issue certificates approving the deduction of the prescribed premium from grower's share of cane proceeds. The total premiums collected are subsequently remitted to FijiCare Insurance Ltd, the appointed insurance provider. This initiative underscores the commitment to ensuring affordable protection for growers while minimizing administrative and financial burdens.

 

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In the year 2025, the scheme disbursed a total of $357,000 in claims. Through this support, 174 growers and their families directly benefited from the program, reflecting its significant impact and value to the farming community. The gender distribution of the deceased comprises 187 males and 49 females, while the beneficiaries include 130 males and 116 females.