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Published on: Nov 13, 2020
2 minute read
By: Dr Rajan ( Medical Second Opinion Cell)

What Are Some Common Side Effects Of The COVID-19 Vaccine?

COVID Vaccine, the Pfizer update

On Monday Pfizer announced to the world the vaccine, once it has been developing with Germany's BioNTech, was found to be more than 90?fective. If this is substantiated, it may be possible for countries to receive the vaccine before the end of the year.

The Vaccine is an mRNA Vaccine, a novel method that introduces viral RNA into the body via a viral coat. The vaccine is incorporated into the person's cell, where the viral RNA is read and viral proteins are produced, including the coronavirus coat proteins. As the body reads and recognizes these proteins, it produces antibodies against these viral proteins and activates immune T cells against the virus.

The Pfizer results are based of a phase 3 clinical trial with 43, 538 participants with a diverse background. In this trial, the participants were split between those receiving a vaccine, and those who received a placebo with no effect. The vaccine is administered in two parts, with a 90?ficacy obtained 7 days after the second dose. This would mean a person is vaccinated just 28 days after the initial vaccination.

The FDA usually looks for a minimum 50?ficacy in vaccination when approving new vaccines. It may surprise you that the annual flu jab is also estimated to be 50?fective. The data from Pfizer was verified by an external, independent Data Monitoring Committee. It used data from 94 patients enrolled in the trial and subsequently developed COVID. It is from this groupset that 90% of efficacy is obtained. This is not the final data analysis, and further publications are expected in late November, with a potential FDA Emergency Use Authorisation approval if the data continues to show promise.

If approved, Pfizer has the ability to make 50 million shots before the end of the year, and 1.3 billion by the end of 2021. Many countries are clamoring for their fair share of these limited resources; the US has already negotiated 200m shots, UK 50m, and Germany (one of the major financers for the Pfizer vaccine) over 300m for European Countries.

We should emphasize that rapid vaccine development on this scale at this speed was unheard of prior to COVID. Usually, the animal studies for vaccines can take 1-2 years. In that time Pfizer and others have managed phase 1-3 clinical trials in humans, something that usually takes upwards of 10 years.

There are many unanswered questions that remain from this information.

How safe is the vaccine? Whilst safety information was not published, overall the vaccine appears to have minimal side effects. This is particularly difficult to state however since mRNA vaccines have never been used in people before.
Does the vaccine prevent transmission? In theory, yes. If you are immunized the replication of the virus should be limited significantly, so the number of viruses in each cough will be much lower. However, we do not have data to prove that there is no transmission, but that is also because we have very little data overall.
How long does the protection last? This is a very critical question. The 90?fectiveness rate was calculated just 7 days after the second shot, but it is likely this will change as data is collected over the long term. Some studies have suggested the antibody response fades within months following COVID infection. T Cell immunity on the other hand can stay for years, and it may be the effectiveness of creating a T cell immunity that dictates just how good this vaccine will be .

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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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