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Published on: Apr 04, 2020
1 minute read
By: Raj Dwivedi

Everything You Wanted To Know About Quarantine!

I have received many questions lately asking clarity around

· Can You Be Forced into Quarantine?

· how quarantines are imposed enforced during Corona Virus?

· Can the government impose a quarantine on anybody?

· Are quarantines, including self-isolating at home, voluntary or mandatory?

· Is there a right to appeal?

· What does the government provide during a quarantine?

· Are quarantines effective?

Here are some of the facts and details around Quarantine in US

· When it comes to the federal government, it can impose quarantines under the Public Health Service Act for two main reasons:

o to prevent the spread of communicable disease into the United States or between states.

· Quarantines are considered a measure of last resort when no preferable means is available to halt the spread of a deadly communicable disease.

· Those subject to quarantine should be either infectious or have been exposed to the disease, experts said.

· There is no blanket law, the laws vary by state and even locality.

· Voluntary or Mandatory? It is a bit of a gray area. It often seems voluntary until the person involved tries to leave, at which point health officials are likely to make it compulsory, experts said.

· The bottom line is that if a quarantine is not enforced and other people catch the fatal disease as a result, the local government could be held liable.

· Laws vary by state, but those who ignore the rule could face fines or jail time

· Local authorities often have some form of enforcement power, but usually try gentle persuasion to persuade people that it is for their good and the good of the community.

· An infected person blatantly ignoring an order might be forced to go into medical isolation — that is, some form of locked hospital ward.

· Scope of Change in Appeal process — States should have some manner of appeal process, and some require a court order from the outset. If there is no medical tribunal or other means for a second opinion, ultimately anyone could challenge a quarantine order in court through a writ of habeas corpus.

· Under C.D.C. rules, the federal government must test those confined within 72 hours and define the length of stay from the outset — two weeks for the coronavirus because that is the incubation period for the disease.

· The most glaring hole in American quarantine laws, experts said, is that there is no guaranteed salary. An employer could even fire a quarantined employee. President Trump has said that his administration would address financial relief for people quarantined.

· Quarantine Effectiveness — They generally help slow the spread of the disease but sometimes do not depending on the disease and the conditions of the quarantine, holding passengers on the Diamond Princess cruise ship in Japan appeared to create a kind of petri dish with more people infected.

· Historically In the United States, quarantines have been extremely rare. The last federal quarantine was in the early 1960s against a suspected smallpox outbreak. Instead the C.D.C. tends to issue health warnings, like advising pregnant women to avoid Southern Florida in 2016 during an outbreak of the Zika virus.

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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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