Cases / Insurance, liability and compensation funds · India · 2021–2025
SEWA heat insurance paid nothing in 2023; Nagaland pilot paid nothing until 2025
Short record: the main facts, with sources. A full case file has not been prepared.
Nature's voice · report
No measurement of the harm done to me here is on record.
Did nature suffer? Not measured.
India's SEWA heat insurance pilot paid nothing in 2023, and Nagaland's 2021 to 2023 extreme weather pilot paid nothing before its 2025 payouts, according to the sources reviewed. The sources reviewed do not describe any effect on nature.
What?
SEWA's heat insurance in India paid no claims in its 2023 pilot, then paid 46,339 members small amounts in 2024. IPS (Inter Press Service)
Where?
India; Nagaland state for the second pilot Mongabay India
When?
Nagaland pilot 2021 to 2023, first payouts 2025; SEWA pilot 2023, payments 2024 IPS (Inter Press Service)
Who?
Gained
- Insurers of the Nagaland pilot (not named in the sources reviewed) — Received an annual premium of about 70 lakh rupees for about 5 crore rupees of cover Mongabay India
Lost
None on recordHarmed
- Members in the 2023 SEWA pilot — No payment, because the trigger threshold was high IPS (Inter Press Service)
Why?
Not stated in the sources reviewed.
How?
The cover is parametric, so payment depends on a set threshold; the sources say the thresholds were high. IPS (Inter Press Service)
6 of 6 questions answered from the record
What happened
The record, in order.
IPS reported that SEWA's 2023 heat insurance pilot paid nothing because its trigger threshold was high, and that 46,339 members received payments of 151 to 1,651 rupees in 2024.
Mongabay India reported that the Nagaland pilot from 2021 to 2023 paid nothing, with a high threshold and inconsistent data, and that first payouts came in 2025 of 1.06 crore rupees.
In court and with insurers
Every proceeding and every insurer decision on record.
Lawsuits and rulings
No court case on record. No court has ruled on this case.
Insurers
No insurer decision on record.
What we don't know
Undisclosed, unproven, untried: recorded as data.
Nature
- Not measured Harm to nature: The record holds no measurement of harm to nature.
Record
- None on record Not stated in the sources reviewed: who paid the premiums and which insurer carried the risk in either pilot.
- None on record Not stated in the sources reviewed: the trigger threshold values for either pilot.
Did the harm stop?
Not stated in the sources reviewed.
Who paid?
Not stated in the sources reviewed.
Sources
Voices on record: — Company or project— Government and regulators— Courts✓ Press and investigations— Communities and civil society— Researchers
Press and investigations
- Rising Temperatures, Rising Inequalities: How a New Insurance Protects India's Poorest WomenIPS (Inter Press Service) · 2025-06
- First payout under extreme weather insurance triggers relief and intrigueMongabay India · 2025-06