08/13/2026
For millions of informal workers in India, staying home during dangerous heat means losing income they cannot afford to lose.
“If you don’t come in, you don’t earn. It’s that simple,” Anita, an informal construction worker in Delhi, told researchers.
Extreme heat is already costing India nearly 2% of GDP each year. More than 18% of workers surveyed showed signs of long-term kidney damage—a problem researchers estimate may affect more than 26 million informal workers.
The solutions are practical: heat-triggered cash transfers that allow workers to stop working on the most dangerous days, backed by insurance during extreme years, early warnings, shade and cooling centers.
HERA’s heat-triggered cash and parametric insurance model in India provided proof of concept. Now this protection must reach workers at scale.
Lin in bio.