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Published on: Jul 29, 2021
2 minute read
By: Raj Dwivedi

What Tests Are Used To Manage Anemia And What Do They Mean?

The doctors use a number of tests to diagnose anemia. Hb (hemoglobin) is one of the key indicators used in diagnosis. A hemoglobin test is a blood test that measures how much hemoglobin you have in your red blood cells. A hemoglobin test is generally used for detecting:

In addition, a hemoglobin test can also be carried out to assess bone marrow's response to treatment, evaluate possible blood donation and check the levels of red blood cells in the body. There are certain conditions that may interfere with the results of the hemoglobin test. In such cases, it is recommended to get the test done again.

For the hemoglobin test, a sample of your blood is taken and tested in a clinical laboratory [read more about the process here]. The results are expressed as grams of hemoglobin per deciliter (g/dL) or micrograms per liter (mcg/L). Normal range for this test is 12g/dL - 18g/dL (12.1-18.0 g/L) for adults and 9g/dL - 13g/dL (9.0-13.3 g/L) for children. If the test result comes out to be less than 7 gm, it can indicate a serious condition known as severe anemia. In some cases, the doctors may order follow-up tests to assess the current condition of the patient.

Apart from the hemoglobin test, certain other blood tests can be used for detecting low RBCs (RBC count) or abnormal types of RBC (red cell indices) or hemoglobin (Hb). These include complete blood count tests, reticulocyte tests, iron tests, and red blood cell indices.

In some cases, the doctor may opt to do a bone marrow aspiration and exam to check for any abnormalities in the bone marrow cells. In such cases, it of red blood cells is karyotype to rule out chromosomal disorders.

The most common reason for having an inadequate number of red blood cells in the body is an iron deficiency or anemia. Iron plays a significant role in the production of hemoglobin, which is responsible for carrying oxygen from the lungs to the tissues of other parts of the body. Hence, people suffering from iron are known as sickle cell trait. The tests include:

Complete blood count test - The complete blood cell count (CBC) is a routine test that checks the different components of your blood like number of red blood cells, white blood cells and platelets. It also has information about the size and hemoglobin content in each of these cells. A CBC includes tests for the following:

Reticulocyte test - This is a blood test that measures the reticulocytes (immature red blood cells) in the bloodstream. A high level of reticulocytes can indicate increased production of red blood cells by the bone marrow to compensate for anemia, or destruction of very early stage RBCs which are still unable to mature.

Iron tests - Iron is an essential component for RBC production. A test to assess the iron level in your blood is called a serum ferritin test, which measures the amount of iron stored in the body's cells and tissues. Another way to evaluate low iron levels is by carrying out a transferrin saturation test. In this case, the lab technician will extract serum from your blood sample and measure the amount of transferrin protein present in it. Transferrin is a protein that carries iron to the bone marrow where red blood cells are produced. Thus, if there is an insufficient amount of transferrin protein present in the serum, it shows that there is an inadequate level of stored iron.

Hemoglobin tests - A hemoglobin test is generally carried out to detect anemia, especially if the result of CBC tests are inconclusive. During this test, a small sample of blood is collected from your vein and sent to the laboratory for analysis. The test measures the amount of hemoglobin in your red blood cells.

Red cell indices - Red cell indices are tests that measure the size and hemoglobin content of the red blood cells. The values obtained from these tests can be used to detect anemia and other blood disorders.

Karyotype test - It is a lab test used to evaluate chromosomal abnormalities in red blood cells or bone marrow cells

Low blood cell counts also have other causes, such as infections or tumors. In some cases, low blood cells may indicate a more serious condition like bone marrow failure which requires immediate medical intervention to save the patient from death.

Thus, if you are suffering from any of these conditions and symptoms and suspect that you may be anemic, check with your doctor for the necessary tests to confirm or rule out your suspicions. Early detection and treatment of anemia can save you from serious complications like heart attacks, strokes, blood clots, etc.

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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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