Digit Insurance launches AQI-based policy for Delhi workers

Claims are triggered if the Air Quality Index surpasses 400 more than twice.

Go Digit General Insurance Limited (Digit Insurance) has partnered with K.M. Dastur Reinsurance Brokers (KMD) to introduce one of India’s first AQI-based parametric insurance policies for migrant construction workers in Delhi NCR. 

The policy will provide compensation of up to ₹6,000 to 6,200 workers affected by construction bans imposed due to severe air pollution.  

Under the policy, claims will be triggered automatically if Delhi’s daily Air Quality Index (AQI) exceeds 400 more than twice. 

A "strike" is defined as three days of AQI above 400 within any five-day period, with a minimum 25-day gap between strikes.

Various government and court directives mandate halting construction activities when pollution reaches hazardous levels, directly impacting workers' earnings.  

Nikhil Kamdar, appointed actuary at Digit Insurance, said the policy aims to offer a transparent and efficient solution for wage loss caused by pollution-related work stoppages. 

In 2024, Digit Insurance also introduced excess heat-related parametric insurance for women labourers in Gujarat.