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Published on: Sep 11, 2021
2 minute read
By: Second Medic Expert

The Complete Blood Count (CBC) Second Opinion

What is CBC test?

CBC stands for a complete blood count. This test is ordered together with, or in lieu of, other tests to find out certain facts about your blood that you can't observe just by looking at the rest of the machine's readout, such as whether you have any abnormally high levels of red and white cells; if there are too many platelets (blood-clotting cells) or too few; what your hematocrit reading reveals (the percentage of circulating red blood cells); or if there are any abnormalities in how your hemoglobin is doing.

A CBC blood test measures a patient's hemoglobin, hematocrit, and red blood cell count. The "CBC" stands for "Complete Blood Count." A CBC test typically catches dangerous aspects of one's health before they could reach a crisis point because there are telltale green flags that show up on the blood screening. Understanding these green flags is imperative for those who suffer from chronic anemia or those who have been exposed to potentially life-threatening chemicals. This free-form amino acid should be supplemented inside a BCAA product as it has been shown to improve recovery rates following intense exercise sessions and acute liver damage in the rat model.

A cbc test, or complete blood count, is a screening test used to detect abnormalities in the colony of cells that reside in the bone marrow and typically produce all types of blood cells.

It also measures white and red blood cell counts as well as platelet counts. Platelets are the clotting components made by type-megakaryocyte cells residing in the bone marrow. White blood cells help fight infection from bacteria and other germs, while red blood cells carry oxygen from the lungs to tissues scattered throughout your body. An abnormal white or red cell indicates a possible illness such as an infection or anemia (which causes reduced numbers of circulating red blood cells

Cbc Test is a diagnostic test used to examine the level of hemoglobin, red cells and white cells in the blood. The CBC can be used to diagnose anemia, infection or other diseases that affect the bone marrow. It may also be done along with a complete blood count (see CBC) or, when necessary, for chemical assessment after taking certain drugs or chemotherapy medications.

The cbc test (complete blood count) is a lab test that provides information on the number and type of cells in your body. A complete blood count (CBC) typically includes information such as red and white cell counts, platelet levels, hemoglobin levels, and other additional data.

A CBC is not typically ordered on its own unless you have symptoms that may be caused by one or more types of problems - for example something that might require further attention such as paroxysmal nocturnal hemoglobinuria (blood disorder), chronic myelogenous leukemia (cancer), thalassemia major (disease). A CBC with differential is usually ordered when there are concerning symptoms or issues present.

CBC testing is a primary way in which a doctor can examine a patient's general health, because it contains information on many different aspects. A CBC typically records at least 7 different parameters:

•Hemoglobin - The protein in red blood cells that delivers oxygen to tissues and binds with carbon dioxide to carry it back from the tissues to be released into our airways.

•Red Blood Cell Count - Counts how many red blood cells there are, both normal and abnormal types. This cell type has been singled out because its life span averages 120 days so if there were few being produced, or they were not

However, it is more correctly called "CBC" because there are separate tests that are needed for the different parts of the blood - white cells, red cells, platelets, etc., all found in your complete blood count.

What can possibly be measured depends on what additives you need to do along with the primary measurement of how many cells per milliliter of whole blood you have after mixing with plasma or serum. The most common measurements are hemoglobin (the oxygen-carrying part), hematocrit (counts red cell volume) and mean corpuscular volume.

CBC looks at the various types of cells that are present in your blood - red blood cells, white blood cells, and platelets. This comprehensive test is used to measure the number of each type of cell in relation to one another on a per-microliter basis. It's used primarily as an indicator of health risk for certain time periods (for example infection or bone marrow), but can also be ordered when there are internal bleeding concerns. Common uses include monitoring kidney disease during dialysis treatment, chemotherapy after exposure to radiation therapy, hemolytic anaemias (blood disorders), chronic liver diseases, extreme iron overload due to repeated transfusions, heavy menstrual cycles during pregnancy.

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Lower Premiums for Health Score Achievers: How Preventive Wellness Rewards Healthy Choices

Healthcare costs are rising steadily across India, driven largely by lifestyle-related diseases and late-stage diagnosis. In response, organisations and insurers are shifting focus from reactive treatment to prevention. One of the most effective approaches emerging from this shift is offering lower premiums for health score achievers.

This model aligns personal health responsibility with financial incentives, creating a win–win situation for individuals, employers and insurers.

What Is a Health Score?

A health score is a composite indicator that reflects an individual’s overall health status.

It typically considers:

preventive health checkup results
lifestyle habits such as physical activity and sleep
key biomarkers like blood sugar, cholesterol and blood pressure
body composition indicators

The focus is on risk reduction, not perfection.

Why Health Score–Based Premiums Are Gaining Importance

According to NITI Aayog and EY-FICCI reports, preventive healthcare can reduce long-term medical costs by up to 30–40 percent.

Health score–linked premiums:

reward proactive behaviour
reduce claim frequency
encourage early detection

This shifts healthcare from illness management to health preservation.

The Preventive Healthcare Gap in India

NFHS-5 and ICMR data show:

many chronic diseases remain undiagnosed until advanced stages
preventive screenings are underutilised
lifestyle risks are increasing among working adults

Health score incentives help close this gap.

How Lower Premiums Motivate Behaviour Change

Financial Incentives Drive Consistency

When healthy habits are rewarded financially, individuals are more likely to:

attend regular screenings
improve diet and activity
monitor health metrics

Behaviour change becomes sustainable.

Focus on Improvement, Not Punishment

Modern health score models emphasise:

gradual improvement
personalised targets
achievable milestones

This avoids discouragement and promotes inclusion.

Benefits for Individuals

Reduced Insurance Costs

Lower premiums directly reduce out-of-pocket insurance expenses.

Better Health Awareness

Tracking health scores increases understanding of:

personal risk factors
lifestyle impact
preventive actions

Knowledge leads to better choices.

Early Disease Detection

Regular monitoring identifies:

prediabetes
early hypertension
lipid abnormalities

Early intervention prevents complications.

Benefits for Employers

Lower Healthcare Claims

Preventive health programs reduce:

hospitalisations
long-term treatment costs

This improves corporate insurance sustainability.

Improved Productivity

Healthier employees experience:

fewer sick days
better energy levels
improved focus

Wellbeing translates to performance.

Stronger Wellness Culture

Reward-based programs signal genuine employer commitment to health.

Benefits for Insurers

Health score–based premiums help insurers:

manage risk more accurately
reduce high-cost claims
promote preventive engagement

This supports long-term viability of insurance models.

Role of Preventive Health Checkups

Preventive screenings form the backbone of health scoring.

They help track:

metabolic health
cardiovascular risk
nutritional deficiencies

NITI Aayog identifies screening as the most cost-effective health intervention.

Addressing Privacy and Fairness Concerns

Responsible programs ensure:

data confidentiality
voluntary participation
non-discriminatory design

Transparency builds trust and engagement.

Making Health Scores Inclusive

Inclusive programs:

adjust for age and baseline health
reward progress
offer support for high-risk individuals

Equity is essential for success.

Integration with Digital Health Platforms

Digital tools enable:

real-time health tracking
personalised insights
long-term trend monitoring

This improves engagement and accuracy.

Long-Term Impact on Public Health

Widespread adoption of health score incentives can:

reduce lifestyle disease burden
shift focus to prevention
improve population health outcomes

WHO supports incentive-based preventive health strategies globally.

Challenges and How to Overcome Them

Common challenges include:

low initial engagement
lack of awareness
resistance to change

Solutions involve education, simplicity and continuous support.

Why Lower Premiums Are More Effective Than Penalties

Positive reinforcement:

motivates sustained behaviour change
reduces anxiety
builds trust

Punitive models often discourage participation.

Future of Health Score–Linked Premiums in India

As digital health infrastructure expands, health score–based models are expected to:

become more personalised
integrate AI-driven insights
support nationwide preventive strategies

This marks a shift toward value-based healthcare.

Conclusion

Lower premiums for health score achievers represent a powerful shift toward preventive, value-driven healthcare. By rewarding healthy behaviours, early screening and consistent wellness practices, these programs benefit individuals, employers and insurers alike. Financial incentives aligned with health outcomes encourage long-term behaviour change, reduce disease burden and create a sustainable healthcare ecosystem. In a country facing rising lifestyle diseases, health score–linked premiums are not just an incentive—they are a strategic investment in healthier futures.

References

World Health Organization (WHO) – Preventive Healthcare and Incentive Models
Indian Council of Medical Research (ICMR) – Lifestyle Disease and Prevention
National Family Health Survey (NFHS-5) – Adult Health Indicators
NITI Aayog – Preventive Healthcare and Insurance Reform Reports
EY-FICCI – Corporate Wellness and Healthcare Cost Studies

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