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Published on: Jan 20, 2023
1 minute read
By: Secondmedic Expert

Your Ultimate Guide To Understanding Normal Body Temperature: Causes, Symptoms, And Prevention

Body temperature is a vital sign that indicates the body's ability to produce and dissipate heat. A normal body temperature for a healthy adult is around 98.6°F (37°C), but it can vary slightly depending on factors such as time of day, activity level, and individual differences. In this guide, we will discuss the causes, symptoms, and prevention of abnormal body temperature.

Causes of abnormal body temperature:

Fever: The most common cause of abnormal body temperature is a fever, which is a sign of an infection or inflammation in the body. A fever is defined as a body temperature above 100.4°F (38°C).
Hypothermia: A low body temperature, known as hypothermia, can occur in cold environments or due to certain medical conditions. A body temperature below 95°F (35°C) is considered hypothermia.
Hyperthyroidism: An overactive thyroid gland can cause the body to produce too much heat, leading to a high body temperature.
Medications: Certain medications, such as antipsychotics and antidepressants, can affect body temperature regulation.
Trauma: Serious injury or surgery can cause the body to produce too much heat as a response to the trauma.

Symptoms of abnormal body temperature:

Fever: Symptoms of a fever can include sweating, chills, headache, muscle aches, and fatigue.
Hypothermia: Symptoms of hypothermia include shivering, numbness, confusion, and slow breathing.
Hyperthyroidism: Symptoms of hyperthyroidism include weight loss, rapid heartbeat, and sweating.

Prevention of abnormal body temperature:

Fever: The best way to prevent a fever is to practice good hygiene, such as washing your hands frequently, and avoiding close contact with people who are sick.
Hypothermia: To prevent hypothermia, it is important to dress warmly in cold weather, and avoid staying out in the cold for prolonged periods of time.
Hyperthyroidism: To prevent hyperthyroidism, it is important to manage any underlying medical conditions that can cause an overactive thyroid gland.
Medications: If you are taking medications that can affect body temperature regulation, it is important to follow your doctor's instructions and monitor your body temperature regularly.
Trauma: To prevent abnormal body temperature due to trauma, it is important to take steps to prevent injuries and accidents.

In conclusion, abnormal body temperature can be caused by fever, hypothermia, hyperthyroidism, medications, and trauma. It is important to be aware of the symptoms and take the necessary steps to prevent abnormal body temperature. If you have a fever or other symptoms of abnormal body temperature, it is important to seek medical attention.

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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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