Insurance–Input Bundles in Smallholder Agriculture: A Comprehensive Review of Awareness, Adoption Drivers, Satisfaction, and Productivity Outcomes

Agricultural production is increasingly threatened by climate variability, limited access to quality inputs, and market shocks in developing countries. Insurance–input bundles, which integrate crop insurance with inputs like fertiliser and seed, have emerged as a promising tool for improving productivity and resilience among smallholder farmers. This study adopts a structured (systematic narrative) literature review approach, synthesising evidence from 152 studies to examine farmers’ awareness, attitudes, willingness to pay, participation, satisfaction, and productivity outcomes associated with insurance–input bundles. The findings show that awareness remains uneven and often limited by weak extension systems and low financial literacy, while farmers’ attitudes are strongly shaped by past experiences, cultural perceptions, and institutional trust. Furthermore, affordability constraints and risk misinterpretation reduce willingness to pay, whereas perceived value and institutional credibility significantly enhance demand for bundled products. Across the reviewed literature, adoption is shown to be a non-linear and interdependent process influenced by behavioural, economic, and institutional factors, where breakdowns in trust, affordability, or information can limit participation. Evidence further indicates that insurance–input bundles promote the adoption of improved inputs, increase yields, and enhance income stability, although these impacts are highly context-dependent and mediated by implementation quality, including timely payouts and effective service delivery. The review contributed to the literature by advancing a systems-based understanding of bundled insurance adoption, highlighting the central role of institutional reliability, behavioural responses, and implementation quality. Lastly, the review underscores the need for strong institutions, integrated extension systems and farmer-centred design to ensure sustainable scaling.