Climate change is no longer solely an environmental or economic challenge — it is a deepening public health crisis. Rising temperatures, shifting rainfall patterns, and increasing humidity are expanding the conditions under which disease thrives, while intensifying heat extremes are pushing human physiological limits in workplaces across the globe. The consequences fall hardest on the most vulnerable: communities in malaria-prone regions with limited health infrastructure, and outdoor workers in sectors where stopping work is not an option.
Health & Social Protection solutions respond to this urgent intersection of climate risk and human welfare by embedding parametric insurance directly into public health and labour protection frameworks. These products use objective climate data — temperature readings, rainfall levels, humidity indices — to anticipate and respond to health threats before they escalate into crises, and to compensate for productivity losses before they destabilize livelihoods.
The suite addresses two critical dimensions of climate-driven human risk: Climate-Health Insurance, which links environmental outbreak conditions to proactive malaria response funding for governments, health agencies, and humanitarian organizations operating in high-risk regions; and Heat Risk Protection, which shields employers and workers in agriculture, construction, mining, and manufacturing from the financial toll of extreme heat on labour productivity and safety.
At their core, these solutions recognize a fundamental truth — that protecting people is inseparable from managing climate risk. By placing financial resilience at the heart of health and labour systems, Health & Social Protection products help governments, organizations, and communities stay ahead of a climate reality that is already reshaping human health outcomes around the world.
Index-Based Health Insurance for Malaria Risk is an innovative climate-health insurance solution that links environmental conditions to malaria outbreak risks. The product uses climate indicators such as rainfall, temperature, and humidity to predict increased mosquito breeding and malaria transmission risks.
When environmental conditions indicate elevated outbreak probabilities, payouts are triggered to support public health interventions such as mosquito control, community health campaigns, and medical response programs. The product is designed for governments, health agencies, humanitarian organizations, and vulnerable communities in malaria-prone regions.
Heat Stress Insurance protects employers and organizations against productivity losses caused by extreme heat conditions that affect outdoor and manual labour. The product uses temperature and heat index data to trigger payouts when working conditions exceed safe or productive thresholds for a defined period.
This solution targets sectors such as agriculture, construction, mining, and manufacturing where labour productivity is highly sensitive to heat exposure. By providing financial support during extreme heat events, the product helps protect worker safety, maintain income stability, and encourage climate-adaptive labour practices.
We understand the challenges farmers face. Do you have questions about our Health & Social Protection solutions? Our team is here to help. Let’s start a conversation.