Heat doesn't behave like other disasters. It's slow, continuous, and chronically under-recorded. In parts of India, heat now lasts for up to nine months of the year.

For street vendors, construction workers and informal-sector women, heat means impossible choices between earning and staying safe. One response has been a parametric heat insurance policy, now covering a quarter of a million women workers, that pays out automatically when temperatures cross a threshold for two days in a row. The harder questions are how to scale it — and who can afford the premium.

What happens when an entire season is being reshaped, and the people most exposed are the least able to adapt? In this episode of Counter Crisis, Jeevan Vasagar is joined by Jaya Dhindaw, Rita Missal, Rajvi Joshipura, Sahil Hebbar and Cristina Stefan.

Available on Spotify and Apple Podcasts.

Counter Crisis is brought to you by the Centre for Disaster Protection, which helps countries find better ways to manage disaster risk – protecting lives, livelihoods, and economies before crisis strikes. 

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