• Published on: Apr 28, 2020
  • 4 minute read
  • By: Dr Rajan Choudhary

Strokes In The Young And How COVID Causing Clotting Disorders?

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Strokes in the young and healthy: how is COVID causing clotting disorders?

In the news, there has been a rush in stories linking Strokes in young and healthy patients, patients who also have COIVD-19. This is certainly worrying news, and at first glance, it is difficult to explain. How does a respiratory virus, one that is very similar to the coronavirus responsible for the common cold, cause such serious issues in a completely unrelated organ system? In this two-part series we will first go over the basics of clotting and its function, how clotting can cause problems, and finally how COVID can lead to clotting disorders.

STROKES

Before we progress, if you or a family member are having any of the following symptoms, contact your local emergency services immediately. Strokes can be devastating, and treatment needs to be given as soon as possible to save as much of the brain as we can. Early recognition can be the difference between manageable long term effects and crippling disability.

Remember, act F.A.S.T

  • Facial Droop on one side
  • Arm or hand on one side feels numb or weak with reduced power (same in one leg)
  • Slurred speech making it difficult to understand
  • Time to phone an ambulance

Other symptoms can include sudden loss in balance, sudden loss in vision in one eye, problems swallowing, and more.

PLUGGING A HOLE

We have an intricate network of vessels to transport oxygen, nutrients, and signals to cells and organs across our bodies. Damage to these blood vessels causes blood loss, reduction in oxygen and nutrient delivery to these cells, and organ damage if the issue isn’t rectified. Failure in multiple organ systems across the body will eventually lead to death. Our blood has cells and proteins that work together to form a clot at the site of injury. This acts as a plug to physically stop the leak, but also encourages repair of the blood vessel and surrounding tissue.

A clot can be triggered in three different ways: blood stasis (pooling up in one area), exposure of blood vessel lining, and pro-coagulant factors released into the blood. When triggered a coagulation cascade occurs to form the building blocks of a clot – it works so well that even a small trigger can create a response big enough to repair the damage. These form a mesh trapping platelets and other blood cells into a plug. Immune cells also arrive to destroy any organisms that might enter from the trauma site that caused the injury, and these immune cells also instruct nearby cells to begin the repair process.

As with everything in our body the whole process is very tightly regulated. The cascade has triggers and accelerators, but it also has brakes. These brakes stop a clot from growing too big, or from clots forming spontaneously when they are not needed. They also help dissolve a clot once the vessel is repaired and it isn’t needed.

WHEN IT GOES WRONG

Heart attacks and strokes. These devastating cardiovascular diseases are well recognized by the public as a leading cause of disability and death. Both can be caused by abnormal clotting. How does our finely tuned clotting cascade turn abnormal? Let's go back to the three triggers of blood clotting.

Vessel damage: Eating a high fat and cholesterol diet can cause fatty plaques to build up in our arteries. This is known as atherosclerosis, and it is extremely common. The plaques can narrow your arteries and reduce blood flow. If this happens in your coronary arteries supplying your heart muscles, your heart might not receive enough oxygen when you exercise or exert yourself. This can cause chest pain, known as angina.

If the plaques burst open it can expose the vessel lining, causing a large clot to form. This clot can become dislodged and be carried away by the blood. It will eventually get lodged in a narrow artery, blocking it and stopping blood from entering. The tissue and cells supplied by that artery will not receive oxygen and eventually die. If this happens in the coronary arteries it can cause a heart attack. In the arteries supplying the brain, it can cause a stroke, leading to neurological deficits.

THIS IS THE MOST IMPORTANT LEARNING POINT, and this is why a healthy diet low in fat and sugars is so important. 

Stasis: Our heart pumps blood at high pressures through the arteries. But in the veins, there is very little pressure to drive the blood back to the heart. In our arms and head, gravity helps blood flow down to the heart. But from our legs? When we walk the muscles in our legs squeeze the veins and move the blood. Valves make sure this flow is only one way, back to the heart.

If we sit or lie down in one place and don’t move, the blood isn’t pumped back and pools up in our legs, causing a clot to form. This usually happens in our calves (known as a DEEP VEIN THROMBOSIS, or DVT). The calf becomes swollen, painful, red, and hot. If this clot is dislodged, it can end up in our lungs causing a PULMONARY EMBOLISM. A large PE can block blood from entering the lungs and can be fatal. This is why you should take regular walks on long haul flights, to prevent blood from pooling.

Pro-coagulant: Sometimes the factors in our blood responsible for triggering a clot can be triggered accidentally. Cigarette smoke contains many toxins and harmful chemicals that, when inhaled, end up in your blood. These chemicals can cause damage to vessel linings, and also cause the clotting cascade to be triggered more easily. Some medications, such as the Combined Oral Contraceptive Pill, also have a similar effect, though the risk of getting a clot is still very low.

The immune system can also trigger a clot. The protein mesh formed in the blood can also capture bacteria and viruses around an infection site, making it easier for immune cells to find and destroy these invading organisms. In cancer patients, this process is sometimes triggered by unregulated cancer cells.

WHAT HAVE WE LEARNT?

Our clotting system stops us from bleeding to death from a small wound. People who have bleeding disorders are clear examples and need to be extremely careful if they injure themselves. But unregulated, our body can end up harming itself. If there is one thing you should take away from this, it is that a high sugar/high-fat diet with little exercise can directly increase your risk of having a heart attack or stroke. This is why doctors emphasize so much the importance of a good diet and exercise.

In our next blog, we will look at how this clotting problem is implicated in COVID patients.

Dr Rajan Choudhary, UK, Chief Product Officer, Second Medic Inc

www.secondmedic.com

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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

See all

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