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Index insurance innovation: Protecting families against extreme heat in India

The last two years have seen at least three heat index-based inclusive insurance products emerge. While it is no surprise that each was launched in India – where a 2022 heatwave led to farmer incomes declining by around 50% – it shows how index insurance can be used beyond agriculture. This column has previously featured two of these products: one on livestock and one on women co-operative members in Ahmedabad

The latter product was targeted at...

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