• Published on: Jun 20, 2020
  • 4 minute read
  • By: Dr Rajan Choudhary

Artificial Intelligence In Healthcare

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Artificial intelligence. This phrase means different things to different people. To some, it conjures ideas of robots having the same intelligence and creativity as humans, able to do any tasks we instruct them, except better than us. To others it is a new and exciting tool, one that could revolutionise the way we work, but also the way labour is distributed in society. And for developers? They dread being asked to make an artificial intelligence system by people who have only heard buzzwords such as “machine learning” and “deep neural network” in headlines and blogs.

In this blog we will look at the basics of AI terminology, so we can understand what these terms really mean, and whether they will have an impact on healthcare.

WHAT IS ARTIFICIAL INTELLIGENCE?

Even this question is difficult to answer, as it enters the realms of philosophy and discussion over the meaning of intelligence. What makes a person intelligent? Is it their retained knowledge? Because a computer can store the entirety of known human knowledge on a disc. Is it understanding and following instructions? Or is it creativity, a skill even the average person may struggle with at times. We know one thing for sure, distilling a person’s intelligence down to a single IQ number is disingenuous and doesn’t represent true intelligence.

Similarly people define AI in different ways. A broad definition looks at the ability for a computer or programme to be able to respond autonomously to commands, to the changing environment around them, recognise audio or visual cues, process the information without strict defined rules and spit out a desired function.

The key features appear to be autonomy: the ability to function independent of a human controller or guide, and adaptability: the ability to work beyond strict rules and criteria, and function in situations or with inputs beyond their original programming.

In medicine, a “dumb” system could work with physical values, for instance blood results, compare them to a “normal range” and determine if results are abnormal (e.g if the patient has anaemia).

A smart “AI” would be able to look at a CT scan, notice subtle changes in the images, compare it against what a normal scan should look like, and identify the pathology. This is very difficult because normal scans can differ noticeably between patients, (for instance due to anatomical differences between people), and disease findings can be even more varied, unusual, abnormal. Human brains have incredibly complex pattern recognition systems – over a third of the human brain is dedicated to just visual processing. Imagine trying to re-create that in code.

At first people tried to emulate this with fixed programming. For instance, to teach a programme to recognise a bicycle, you would need to teach it to first exclude anything that is not a vehicle, then exclude anything that does not have wheels, has more than 2 wheels, has a frame connecting the two wheels, has a chain connecting the pedals and the rear wheels……and so on. All of this for a bike. Now imagine trying to code it to recognise subtle changes to cells under a microscope, to recognise cancer cells, to recognise an abnormal mass on a scan. Clearly this solution is very clunky, and simply not feasible.

MACHINE LEARNING

Modern AI systems have moved towards “machine learning”. This is a statistical technique that fits learnt models to inputted data, and “learns” by training models with known data sets. Instead of a person defining what a bicycle is, the model is flooded with thousands of pictures of bikes, and the programme forms its own rules to identify a bike. If this model is then shown a picture of a bike it will show the statistical likelihood of the picture being a bike. The system could be expanded by  further training the model with pictures of motorbikes, scooters and other two wheeled forms of transport. Now if given a picture, the model can determine what type of two wheel transport it has been shown.

The healthcare application can be simple – lets look at a radiology example.  Teach an AI model what normal lungs look like, then show it images of various pathologies such as pneumonia, fibrosis or even lung cancer. If fed enough images and variations of a type of disease, the AI’s statistical analysis might even find associations and patterns to identify a disease that a human radiologist would be unable to find.

NEURAL NETWORKS

A more complex form of machine learning is the neural network. Its name suggests it is analogous to the neurons in a human brain, though this analogy does not stretch much further. Neural networks split the image into various different components, analyse these components to see if it has variables and features before spitting out a decision.

The most complex forms of machine learning involve deep learning. These models utilise thousands of hidden features and has several layers of decision making and analysis before a decision is made. As computing power increases, the ability to create ever more complex models that can look at more complex 3 dimensional images full of dense information. These deep learning models have been able to identify cancer diagnoses in CT and MRI scans, diagnoses that have been missed by even the most expert consultants. They can also identify structures and patterns the human eyes cannot, and may end up being better at diagnoses than a highly trained specialist. Of course such diagnoses would still have to be checked by a doctor, as due to the medico-legal implications that could occur from incorrect diagnoses created by a computer utilising models even their programmers cannot understand.

NATURAL LANGUAGE PROCESSING

But the application of AI is not limited to identifying images and scans. One of the greatest hurdles a computer faces is trying to understand human speech. Dictation from speech to text is easy, but understanding the meaning of what was said, and trying to use that to create instructions or datasets, that’s hard. This is why the iPhone’s Siri or Google Assistant on Android phones seem so limited. They can only recognise certain set instructions such as “What is the weather” or “Set an alarm for…”. More complicated instructions or requests usually results in an error.

People don’t speak in simple sentences. If asked about their symptoms, every patient will use different sentence structures, adjectives, prioritise different symptoms depending on how it affects them, and create a narrative rather than a list of symptoms. Similarly when writing in patients notes, doctors will also use complex sentences, short-hands, structure their notes differently. Feeding this information to Siri would not output a clear diagnosis, but rather give the poor digital assistant a migraine.

Deep learning is being used to analyse natural speech to pick out the important information that will lead to a diagnosis, similar to how a medical student is trained when taking a history. If deployed successfully this would be invaluable in triaging patients based off the severity of their symptoms, and assigning them to the right specialists. 

It would also have huge implications for research. Identifying data is very labour and time intensive, and the costs of trawling through patient notes can significantly limit the feasibility of research studies. A deep learning AI system could read through the notes, identify all the important symptoms, how a patient is improving on a day to day basis and other subtle parameters, and do so without human supervision through thousands of cases without boredom or fatigue. The wealth of information available could significantly improve the quality of research performed.

Artificial Intelligence and the various buzzwords can be difficult to break down and digest. And certainly this blog will not answer all of your questions, and may leave you with more questions than you started with. But understanding the basics of AI will help in appreciating the effort that goes into creating these systems, and also acknowledge the hurdles that limit AI from becoming prevalent across healthcare.

At least for now. Progress in this field is constant. By next year the AI landscape may be very different.

Dr Rajan Choudhary

HEAD OF PRODUCTS, SECOND MEDIC INC UK

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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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