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Published on: Apr 04, 2020
3 minute read
By: Dr Rajan Choudhary

Anyone With Flu Like Symptoms Are Now Encouraged

The Bold Strategy the UK has adopted against COVID-19

The UK government had outlined its Coronavirus strategy in three distinct steps. The first stage was to contain the virus. This was implemented when spread of the virus was primarily by infected patients from abroad. Public health advice was provided, campaigns on washing hands, not touching the face, practicing safe hygiene. Potentially infected individuals were informed to self-quarantine for 14 days whilst waiting for symptoms to develop and testing to occur. Now it is evident this is not enough. The virus has spread to enough people that transmission can now occur locally, between people who have never been abroad. Containment is not the aim, mitigation of number of cases to prevent burdening the health services. The second stage aims to reduce the epidemic’s peak, flatten it out so the number of cases do not occur at once.

Anyone with flu like symptoms are now encouraged to stay home for 7 days, and testing will only occur for hospital admissions. Beyond this little appears to have changed. Schools will remain open, social gatherings have not been cut yet (but is expected over the next week) and general life will continue as normal. This is a risky measure, one that suggests the government is not taking the issue seriously. France, Spain and Italy have enacted lockdown measures, Germany has begun cutting social gatherings. So why is the UK not following in step? Are people going to die as a result of this inaction?

DELAY THE SPREAD

The answer is of course complex. PM Boris Johnson has acknowledged that as a result of his decision people may die, especially the elderly who are seen as a very vulnerable population. But this plan has been discussed with multiple scientists, doctors, public health specialists, and there is method in the madness. Currently the UK is in the early stages of the epidemic. The number of infected are expected to rise sharply in 4 weeks, with a peak in 10–14 weeks. Implementing harsh restrictions too early can lead to “self isolation fatigue”, resulting in people not following the restrictions stringently or leaving their homes at the height of the epidemic. Restrictions also come with their own problems, and implementing them may lead to more harm than good. Simple measures such as hand washing and self isolation can itself reduce the peak of cases by 20%.

Schools have not yet been closed because COVID-19 does not appear to affect children as much. Closure of schools would also mean parents having to stay at home to look after their children (after all, nurseries, creches and other forms of childcare would still result in a spread of infection). In some cases these parents are also healthcare professionals, and the UK needs every single doctor, nurse and allied health professional to be on the frontline treating patients.

So what is the strategy? The NHS is currently full of patients due to the winter burden, one that is expected to taper off in the coming months. Slowing the onset of the epidemic’s peak to Summer, spreading it across the next few months so the maximum number of people can be treated in the hospital setting without overburdening. The aim is no longer to prevent the spread of infection but to protect the most vulnerable age groups. This model allows the young and healthy to become infected, almost encourages it.

INFECT YOUR CITIZENS

Now this sentence may sound ridiculous when said out loud. Allow infection. But why? The UK has acknowledged there is no way to stop the infection. Whilst the mortality in the elderly population and those with medical conditions are high, in the young and healthy it manifests as a mild illness with almost all infected cases recovering. More importantly, recovered patients have immunity against the virus, manifesting as antibodies in their blood. Immune patients cannot infect other people, so the more immune patients there are the slower the virus will spread. This is known as herd immunity, and the process is discussed in length in our blog on vaccines. Herd immunity needs to be achieved before the onset of winter in 2020, as winter admissions alongside COVID admissions would result in a disaster.

https://medium.com/@rajneesh.dwivedi/developing-a-vaccine-for-covid-19-part-1-f7263ae9bf88 Rajneesh secondmedic

The strategy is of course risky, and one that has not been implemented before. And since the infection will not be contained people will die. But by spreading the burden of the infection across a longer time period will allow those who require treatment to receive it in a far less burdened health system. And it has received support from health professionals, even those who are fierce critics of the PM and Conservative government. But it has resulted in confusion amongst the population, a population that looks at authoritative action taking place in other countries and not understanding why their own doesn’t follow suit. The issue is these draconian measures are not sustainable, and if implemented correctly the UK strategy may result in far less lasting damage on its health service and the economy.

Dr Rajan Choudhary, London UK

Head Of Products, 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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