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In a decisive breakthrough for climate adaptation and resilience in the Horn of Africa, Ayuda en Acción positions itself in Ethiopia as the first organization to implement the Bundled Livestock Index Insurance (BILI) model in the country. This pioneering initiative is developed through a strategic alliance with the International Livestock Research Institute (ILRI) and Oromia Insurance Company, supported by financial and institutional backing from AECID.
From IBLI to BILI: The Strategic Evolution Toward Continuity and Prevention
Over the past eight years, Ayuda en Acción has successfully implemented traditional index-based livestock insurance (IBLI) in Borena, reaching tens of thousands of pastoralist families with direct payout indemnities during extreme droughts. The new BILI approach represents a qualitative leap: it transforms climate risk management by shifting from a reactive payout model to a preventive, year-round value scheme.
Why Does the BILI Model Make a Difference?
Year-Round Tangible Value (From Emergency to Continuity): Unlike traditional IBLI insurance, which only triggered during severe droughts, the BILI model bundles financial climate protection with regular animal health services and routine veterinary care.
Dual Direct Impact: It shifts the perspective from simple loss mitigation to active protection of core livestock assets, while simultaneously boosting animal health, milk production, and overall productivity during normal seasons.
Higher Adoption and Community Trust: By aligning incentives with community dynamics, local markets, and the reality of pastoral families, it fosters greater trust, accessibility, and long-term insurance sustainability.
Full Deployment and Integration: Ayuda en Acción is progressively integrating the BILI model into all current and future projects in the Borena region.
Strengthening Pastoral Livelihoods Against Climate Change
The rollout of BILI strengthens food security and economic autonomy for Borena's pastoralist communities. By ensuring combined financial protection and continuous veterinary care, the initiative builds a comprehensive safety net capable of cushioning the impact of climate change in one of Ethiopia's most vulnerable areas.
