Living in the tight-knit community of New Rajinder Nagar, I am familiar with not only my neighbors but also their household workers. These workers play an important role in our daily lives, making it almost impossible to manage without their assistance. One such worker was Damodar, my neighbor’s driver, who was dedicated to his job and often went above and beyond to fulfill requests not just from my neighbor but also from me. However, on the evening of May 13th, Damodar suffered a heart attack and passed away just after finishing work.
A week after this tragedy, Damodar’s wife called my neighbors and parents, explaining that she was struggling to make ends meet without her husband’s income. Damodar was the sole provider for his young family and had no savings to last them more than a few weeks. This was particularly concerning since Damodar’s children wanted to pursue higher education in college, which would be an expensive feat.
In response, I began researching what support the government could offer to families in such circumstances. I discovered the availability of micro-insurance schemes for underprivileged citizens, which provide a contribution of Rs. 200,000 to the family of the deceased to sustain their living and cover daily expenses. Intrigued, I conducted primary research by conducting interviews over the next week to gather more information about the need for this scheme.
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