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On super hot days, this insurance plan pays out cash for lost wages

Ragpickers search for recyclable materials like metal and plastic at a dumping ground near Ahmedabad, India, which they'll sell to scrap traders. Working conditions are brutal during severe heat. A new program administered by the Self Employed Women's Association, a trade union, offers a payout for days missed when the temperature hits a certain threshold so the ragpickers can stay home and protect their health without losing income. (via Getty Images)
Ragpickers search for recyclable materials like metal and plastic at a dumping ground near Ahmedabad, India, which they'll sell to scrap traders. Working conditions are brutal during severe heat. A new program administered by the Self Employed Women's Association, a trade union, offers a payout for days missed when the temperature hits a certain threshold so the ragpickers can stay home and protect their health without losing income. (via Getty Images)

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