Shabbir Alam works at construction sites in Haryana, though his home is in Ludhiana. Last month, ₹1,000 appeared in his account. His contractor had enrolled him and some colleagues in a scheme under which, if temperatures crossed a certain threshold, money would be paid. “I earn ₹800- ₹1,000 a day from my work…Some of us got ₹1,000 last month, so it was helpful,” he told The Hindu in a phone conversation. Also read | Mapping the legislative vacuum in India’s heat crisis Hariom, who drives a leased taxi in the Delhi-NCR region, received ₹2000 over two months. “I’m happy that I got this…We anyway have a company rule that we can avoid driving on very hot days from 12 p.m. to 4 p.m., but extra money is always welcome,” he told The Hindu.  Mr. Alam and Mr. Hariom are among 3,925 informal workers enrolled this year across Delhi-NCR — Noida, Delhi, Gurugram, Ghaziabad and Faridabad — under a “parametric” heat-insurance product run by the non-profit Jan Sahas, with Go Digit General Insurance and the CSR …