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Published on: May 02, 2020
1 minute read
By: Dr Vibhash Mishra

Corona, Cricket And Telemedicine

Corona, cricket and telemedicine

As schoolboys, gossiping about cricket and cinema was our favorite pastime. Decades later when even our children are not school kids anymore, I must confess the nature of our pastime has not become any more serious. The COVID-19 lockdown has inadvertently provided a large chunk of humanity with a rare luxury. Otherwise who has the time in today’s world to stop and stay at home to catch a breath? So catching a breath is what one does these days. Call it reflection and introspection, if you will.

R Ashwin is considered something of an intellectual in the sport of cricket. The other day I happened to come across an interview in which he says we take sport too seriously. That is the large scheme of things, there are other far more important matters. That sports should be seen in a wider perspective and given a place that is not out of proportion.

That took me back by several years. To 1980 to be precise when India and England were playing the golden jubilee test. Bob Taylor was given out by the umpire but the Indian captain Gundappa Viswanath thought otherwise and insisted that he was recalled. The rest, as they say, is history. Now Viswanath himself was not an also-ran by any means. Not quite an intellectual like Ashwin, but a batting genius all the same and a giant of a human being.

We can debate the relative value of intellectuals and good human beings to society but that is not the point of my musing, although, I do believe that the world needs several-fold more good human beings than intellectuals.

Back to the point, I was closing in on.
There were curses and kudos for Viswanath. In the midst of all that, the legendary commentator Jasdev Singh made a very poignant remark - Viswanath gave away the game but kept alive the spirit to promote which sporting events are organized in the first place. Now, what is this spirit that Jasdev was referring to? Fairness? Justice? Healthy competition? Honesty? Integrity? But then, are those, not the values the world should be guided by anyway? Would the world not do well to adopt those values in wider life? Would you still say we take sports too seriously? Just reflecting.

Meanwhile, you all stay in and be safe, the principles of which are well-known by now - social distancing and hand hygiene. And don’t ignore your other health issues. It may be months before normalcy is restored. Your medical condition can get worse in the interim. You may think I am encouraging you to visit a hospital and risk being turned down for lack of capacity or catching an infection. I am not. I am asking you to think of an alternative way of seeking medical help. Have you considered telemedicine? Online consultation with a specialist anywhere in the world? Have you heard of www.secondmedic.com? That’s where we are.

Dr. Vibhash Mishra
Chief Medical Officer Second Medic Inc

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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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