• Published on: Apr 17, 2020
  • 4 minute read
  • By: Dr Rajan Choudhary

Vitamin D In Reducing The Risk Of COVID 19

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Why Vitamin D is the only supplement we will recommend for you.

Most of our blogs have looked at theories posted on social media, and shown how they are usually not true, or have no factual basis behind them. But here we will show some evidence that supports something truly interesting, especially during the time of this pandemic.

For a number of years research has shown a possible link between vitamin D and illnesses, specifically respiratory infections. In our previous blogs we have shown that vitamin supplementation is unnecessary, except for vitamin D. Here we will show why supplementation may be in your best interest for reducing the risk of COVID.

Now I’ll be honest. Vitamin D and immunity was not something we were taught at medical school, or in medical practice. The fact that such a large amount of research exists on this topic is certainly interesting, and whilst researching this topic I have certainly learnt a lot myself, enough to change my own medical practice. And it is because of the high quality of evidence present that I feel confident in supporting the claims below.

SUMMARY

  • Many people are low in Vitamin D due to various risk factors (see our blog on vitamin D)
  • Vitamin D appears to have a role in modulating immune function
  • Low Vitamin D levels appear to increase the severity of autoimmune disorders
  • Low Vitamin D levels appear to increase the risk of getting respiratory infections
  • Vitamin D supplementation appears to reduce the risk of getting respiratory infections
  • Those who are at risk of having low vitamin D should take low dose supplementations.

If you want the good stuff, skip to the section on SUPPLEMENTATION

IMMUNE FUNCTIONS

As we’ve discussed, vitamin D is key in maintaining the right balance of calcium, ensuring the right amount is taken up from the food we eat, integrated into our bones, and removed in our urine if not required. We know that there are some people who are at risk of vitamin D deficiency, and this is more common in countries closer to the poles and with cloudy weather.

But there also appears to be a role for vitamin D in modulating the immune system. We have found many more cells in our body other than bone, intestine and kidney that possess the vitamin D receptor. These include immune cells, and one role may be to promote proliferation of these cells as well as promote their protective immunity.

AUTOIMMUNE

Due to its role in immune function, studies have been performed to see whether there is a link between autoimmune diseases and vitamin D. Common autoimmune disorders (and the organs the affect) include multiple sclerosis (nerves), rheumatoid arthritis (joints), diabetes mellitus (pancreas), inflammatory bowel disease (bowels) and systemic lupus erythematous (the entire body). All of these diseases lead to loss in function of an organ or system as the immune system recognises the organ as an “invader” and begins to destroy it.

One study looked at 161 patients with early forms of autoimmune diseases over 2 years. Out of them, 35 went on to develop full blown autoimmune disorders (like rheumatoid and lupus). Whilst the two groups of patients were mostly similar, vitamin D was noticeably lower in the group that progressed to disease. But this is one study, with a small number of patients.

Other studies have looked at vitamin D levels in patients across the globe, and the majority of them have shown there to be a correlation between low vitamin D or severe deficiency, and the severity of autoimmune disorder they have. We will not go into them in detail because this is beyond the scope of this blog, but it certainly is interesting and supports this new role for vitamin D.

RESPIRATORY INFECTIONS

We have unknowingly tried to use Vitamin D to treat infections prior to the advent of antibiotics. A common treatment for tuberculosis was to send patients to sanatoriums, where treatments included exposure to sunlight, and provision of cod liver oil, a rich source of vitamin D.

Large population studies done in the 1980s and 1990s involving 19,000 people showed that those with low vitamin D levels were more likely to self report recent upper respiratory tract infections than those with normal levels. This was true even if age, gender, season and race were accounted for. Similar studies have shown similar results when looking at rates of influenza, bacterial vaginosis and HIV.

Normally we are very skeptical with such studies, and look for weaknesses in their methodology and conclusions. After all, we could just cherry pick the studies that show a benefit. Furthermore, just because there is a trend with vitamin D levels and infection, this does not imply a direct link. More evidence is required. However, the fact 19,000 people were surveyed provides this study with good statistical power, and lends it validity. But lets look for more.

SUPPLEMENTATION

Vitamin D supplementation to prevent acute respiratory tract infections: systematic review and meta-analysis of individual participant data – Martineau 2017, British Medical Journal

A systematic review and meta analysis is the highest level of evidence in the realm of medical research. It is the absolute pinnacle of thorough research, looking and comparing other studies with very close scrutiny to see whether we have conducted enough research worldwide to support a theory. In this case this systematic review was published in the British Medical Journal, a highly reputable source that again scrutinises any study submitted thoroughly before accepting it for publication. In my eyes, this is some of the best evidence we will have on this topic. And it is a far sight better than any WhatsApp forwards.

So what does this say?

Vitamin D supplementation was safe and it protected against acute respiratory tract infection overall. Patients who were very vitamin D deficient and those not receiving bolus doses experienced the most benefit.

I don’t think I could have summarised it better myself. If you wish to read the study yourself you can use this link: https://www.bmj.com/content/356/bmj.i6583 Vitamin D supplementation to prevent acute respiratory tract infections

WHAT DOES THIS MEAN FOR ME?

If you are someone who may be at risk of vitamin D deficiency, then low dose supplements (NOT treatment dose) may be beneficial in reducing the risk of getting a respiratory infection. Since COVID is caused by a respiratory virus, we can extrapolate that Vitamin D supplementations may reduce your risk of getting COVID. This is not a cure, and it is not a guaranteed protection. If you already have a balanced diet and are not low in Vit D, it may be less beneficial.

Dr Rajan Choudhary, UK, Chief Product Officer, Second Medic Inc

www.secondmedic.com

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Lower premiums

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

See all

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