Heatwave Insurance: What is heatwave insurance, in which you get Rs 1600 if the temperature crosses 40, who is eligible? 

Heatwave Insurance Scheme has been launched by Climate Resilience for All (CRA) and Self Employed Women's Association (SEWA), in which maximum temperature is 40 degrees. If the temperature is more than 400 degrees Celsius, you will get 400 to 1600 rupees. Two and a half lakh women from Rajasthan, Gujarat, UP, Assam, Jammu Kashmir, Bihar and Maharashtra have been included in the scheme. Imagine! If fire is raining from the sky. The temperature has crossed 40 degrees and you are forced to work in this scorching heat. In such a situation, Heatwave Insurance Scheme can prove to be helpful for women who work risking their lives. These days the country is experiencing severe heat. On 21 April 2025, Chandrapur in Maharashtra was the hottest. The maximum temperature here reached 45.6 degrees Celsius. There is no hope of relief from the heat even in May-June. That is why now like other countries of the world, parametric insurance has started in India too.

According to media reports, 'Climate Resilience for All' (CRA) and 'Self Employed Women's Association (SEWA)' together started this scheme as a pilot project in the year 2024. Initially, 50 thousand women from Rajasthan, Gujarat and Maharashtra were included in the scheme. Due to different weather in different districts, the payment amount also varies. Now the Heatwave Insurance Scheme has been expanded in the year 2025. It covers 2.5 lakh women from Rajasthan, Gujarat and Maharashtra as well as Uttar Pradesh, Assam, Jammu and Kashmir and Bihar. In the year 2024, between 18th to 25th May, when the maximum temperature was recorded above 40 degrees, then under the scheme, 92 percent of the 50 thousand women were given additional insurance payment ranging from Rs 400 to Rs 1600.

Source - Insu news 25.5.25