• Published on: Apr 30, 2020
  • 3 minute read
  • By: Dr Rajan Choudhary

COVID AND CLOTTING: A BRIEF LOOK

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COVID AND CLOTTING: A BRIEF LOOK

At the Mount Sinai hospital, a case series of five patients have been put together, ready to be published in the New England Journal of Medicine. It details patients aged 33, 37, 39, 44, and 49 who all began to experience a sudden onset of symptoms including slurred speech, confusion, drooping on one side of the face, and feeling dead in one arm. At the time of writing one has sadly died, two remain hospitalized and one is in rehab. Only the youngest is able to speak. All of them were found to be COVID positive.

This drastic case series highlights a growing problem of strokes and clotting disorders in COVID patients, one noted by medics across the world. This blog looks at whether this is a common occurrence and what may be causing it.

Before reading this blog it will be helpful to read our previous blog on why and how blood clots.

THE START

In mid-February Tang et al published a paper noting that patients with abnormal clotting parameters were associated with a poorer prognosis. In their study, 11% of their patients died, but out of these patients, 71% had these abnormal parameters, compared to just 0.6% of survivors. The patients who died also demonstrated DIC (disseminated intravascular coagulation), a condition in which clotting is triggered in the patients' blood across the body, not just at the site of injury.

There is one major issue with this study. In most European hospitals patients receive anticoagulant medications on a daily basis. This is because lying in a hospital bed when ill can promote the formation of clots in your legs. Most hospitals in China do not provide this anticoagulation, but even then the incidence of clotting is remarkably high.

After this, the evidence begins piling up. 9th April, Cui et al found 25% of patients with severe COVID had clots in their legs, of which just under half died. Looking at a specific clotting parameter (D-DIMER) was remarkably accurate at predicting high-risk patients.

Italian doctors found in 16 patients in critical care with severe Acute Respiratory Distress Syndrome (a severe inflammatory condition caused by COVID) also had deranged clotting parameters.

French studies had found these sickest patients often had large clots in their lungs, blocking blood flow in the lung and causing severe issues in keeping the patient's blood well oxygenated.

Some studies showed even patients hooked up to artificial lungs (known as ECMO) were not safe from the problems caused by excessive clotting.

WHY?

So why is this occurring? As with everything in medicine, the answer is complicated and usually multifactorial. So we will simplify it.

We must look at the platelets in our blood. These fragmented cells have an important role in triggering the clotting cascade and creating a clot. During an infection white blood cells (important immune cells responsible for finding and destroying invading organisms) release many chemical signals around an infection site. This triggers platelets, the formation of small protein meshes that can literally net the viral particles in the blood.

But it looks like they have an anti-viral role as well. Researchers have found specialist receptors on platelets that recognize viruses in the blood, leading to the release of specialist anti-viral molecules that target and destroy the viruses. This is an interesting finding because it is white blood cells that are known to destroy invading organisms.

So how does it go wrong? In severe infections, there is a very large viral load, and this can cause an excessive response. Too many white blood cells release too many chemical signals, causing too many platelets to activate. The same thing can occur with the virus directly activating too many platelets at once. This results in clots forming in the blood throughout the body, including the lung and the brain. It is another instance of the body falling victim to its own protective mechanism.

A second problem is that as these platelets are activated, they and the clotting proteins in the patient’s blood are “used up”. This is dangerous, because without these platelets and clotting proteins the body is unable to stop any bleeding sites. Profuse bleeding can occur from small injuries, further complicating the treatment of the patient.

So what can be done?

Hospitals have already started looking at giving patients with severe COVID anticoagulation therapy. And it seems in patients with deranged clotting, giving anticoagulation therapy can lower mortality.  The International Society on Thrombosis and Haemostasis (Clotting) has recommended that patients with severe COVID receive high dose anticoagulation medication to thin their blood, because these patients are at such high risk of clots. This regime will be used for hospital patients and those in critical care.

And what about for the everyday public? Should we be worried? So far the data suggests this is only happening in people suffering from severe symptoms of COVID. But the incident in New York certainly raises some questions, and it will be interesting to read their report in NEMJ. Should you panic and start taking anti-coagulant medication at home? Definitely not. But what you should do is be educated in the symptoms of common diseases caused by clots. Diseases such as strokes and DVTs.

STROKE

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.

DVT

Look out for a swollen, painful calf on one side that is hot to touch.

PULMONARY EMBOLISM

If you have a swollen, painful calf and are also having trouble breathing, with some sharp stabbing pain in your chest, contact the emergency services as soon as possible.

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

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