Following India’s lead, NTUC Income has introduced "The Moist & Miserable" coverage for Singaporeans too broke to stop working despite 42-degree weather.

The parametric policy triggers an automatic $2.00 PayNow transfer whenever a delivery rider’s back sweat exceeds five litres.

This ensures that even as you evaporate under the scorching sun, your heirs can afford a decent discount coffin.

"It’s about financial prudence," says local actuary Lim Kopi.

"Why suffer for free when you can get paid for heatstroke? We even have a premium rider for those whose balls stick to their thighs during peak hours."

The government has praised the initiative, suggesting that liquidated workers are a sustainable source of biomass for Jurong Island.

Authorities insist that any payout threshold lower than 52 degrees would encourage "sloth" among the peasant class.

If you literally burst into flames waiting for a bus, the policy also covers the professional cleaning fee for your charcoal remains.