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Published on: Jan 29, 2022
2 minute read
By: Second Medic Expert

Understanding Quarantine

What Is Quarantine?

Quarantine is the segregation of people who are infected or suspected of being infected with a particular disease.

It is also the isolation of patients with communicable diseases to prevent their spread. The purpose of quarantine is to protect the public from exposure to potentially deadly diseases. Quarantine is for people who don’t have symptoms but who might have been exposed to the coronavirus. The idea is to keep you from unknowingly infecting others.

Who Needs to Quarantine?

You probably don't need to quarantine yourself, but if you are close contact with someone who has tested positive for coronavirus or just got back from a country where this deadly virus is spreading then it's best that we keep our distance until things calm down.

The reason for this is twofold. First, it's important to prevent the spread of the virus. Secondly, it's important to give those who are an infected time to recover without exposing others to the virus.

There are also a few other groups of people who may need to consider quarantining themselves, such as healthcare workers and those who work with livestock. Anyone who’s been in close contact with a person who has COVID-19 should self-quarantine, even if you’ve had the virus before.

“Close contact” means you did one or more of these things:

Were within 6 feet of the person for at least 15 minutes
Cared for the person at home
Touched, hugged, or kissed them
Shared eating or drinking utensils with them
Got droplets on you when they sneezed or coughed

According to the CDC, you’ll need to quarantine:

If You’re 18 or older and have completed the primary series of the recommended vaccines. But you have not received a recommended booster shot after you became eligible.
If You received the vaccine over 2 months ago but haven’t received the recommended booster shot.
If You’re not vaccinated or haven’t yet completed your first full round of vaccines.

You don’t need to quarantine:

If You’re 18 or older and have received all recommended vaccine doses, including boosters and additional shots recommended for immunocompromised people.
If You’re 5-17 years old and completed the primary series of COVID-19 vaccines.
You had COVID-19 within the last 90 days. This should have been confirmed using a viral test.

However, if you were exposed to someone who tested positive, wear a well-fitting mask around others for 10 days after exposure.

How to Quarantine at Home

There are a few simple steps you can take to quarantine at home:

1.Sanitize your environment - Make sure to clean all surfaces and objects in your home that may have meet the disease. You can use a disinfectant or bleach solution to do this.

2.Isolate yourself - You should isolate yourself from other people in your home and avoid contact with anyone who may be infected.

3.Monitor your symptoms - Be on the lookout for any symptoms of the disease and report them immediately to your doctor.

4.Stay hydrated - Make sure to drink plenty of fluids to help keep your body healthy and fight off any potential infections.

How Long Does Quarantine Last?

Stay home for at least 5 days after your last contact with a person who has COVID-19. Wear masks when around others so that you do not pass on the infection to them!

For 10 days after your last close contact with someone with COVID-19, watch for fever (100.4 F or higher), cough, shortness of breath, or other COVID-19 symptoms.

If you develop symptoms, get tested immediately and isolate until you receive your results. If you test positive, follow isolation recommendations below.

If you don't develop symptoms, get tested at least 5 days after your last exposure. Positive tests allow for limited movement in and out of homes but continue wearing protective gear around others until 10 more are complete."

If you test positive for COVID-19, isolation is necessary. The recommended period of time without contact should be at least 5 days from the date that your symptoms began and may also need to extend beyond 10 if they continue after this length time has passed; however, it’s important not make assumptions about how long an individual will remain infected before developing others signs/symptoms because everyone's situation varies!

When you get the new coronavirus, your quarantine lasts five days because that’s how long it takes to know if you have symptoms. If there are no signs of illness after this time period has passed then treatments for virus should be considered over with just one quick visit from our doctors!

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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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