How migrant labourers in Noida can get insurance payout of Rs 3000 if temperature rises
Extreme heat has led to a first-of-its-kind insurance payout, as
Digit Insurance
settled claims for
migrant labourers
in Noida after temperatures soared past 42 degrees Celsius. Unlike traditional policies, these payouts are triggered by weather thresholds rather than actual damages, offering fast financial relief without the need for detailed claim evaluations.
Digit Insurance, in partnership with K M Dastur Reinsurance Brokers and Jan Sahas Foundation, is offering this heat-index based cover to workers across Delhi, Noida, Ghaziabad, Gurgaon, Faridabad, and Lucknow. "Digit's
heatwave parametric insurance
is a crucial step in providing migrant labourers with a much-needed safety net," said Adarsh Agarwal, chief actuary and product officer at Digit Insurance.
The policy offers payouts of up to ₹3,000 when temperatures exceed specific thresholds for five consecutive days, with an additional payment if the heatwave continues for 10 days. These thresholds vary by city, ranging from 42°C to 43.7°C. The coverage is particularly significant for daily wage migrant workers who face high exposure to heat-related health risks like heatstroke. In 2024 alone, India reported 67,637 suspected heatstroke cases and 374 related deaths.
by Taboola
by Taboola
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The policy also includes a hospitalisation cash benefit of up to ₹5,000 for any accidental injury or illness during the coverage period, regardless of temperature levels. The premiums for the insured migrant workers are being covered by the Jan Sahas Foundation. This marks Digit Insurance's second collaboration with KMD and Jan Sahas; the trio had earlier launched a parametric insurance plan based on air quality index (AQI) for daily wage earners in Delhi-NCR.
A similar initiative was introduced in May 2023 by
ICICI Lombard
in partnership with Swiss Re, targeting 50,000 women labourers linked to SEWA across 22 districts in Gujarat, Rajasthan, and Maharashtra. That policy provided automatic cash payouts when temperatures breached set thresholds, becoming the first of its kind in India to address heat-induced livelihood loss.
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