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Published on: Jul 07, 2020
2 minute read
By: Dr Rajan Choudhary

Asymptomatic COVID Infections – Are You Safe?

Asymptomatic COVID infections – are you safe?

Patients with COVID usually exhibit signs of coughing, fever, and fatigue. This can develop into further respiratory problems including difficulty breathing, pneumonia in both lungs, and in severe cases the need to ventilate a patient in an intensive care setting. But what if you are asymptomatic? Do you need to worry? Surely you get the benefits of immunity without the dangers of life-threatening symptoms.

In our previous blog, we discussed how a study showed 41% of people with COVID were asymptomatic. However, they had the same viral load as their symptomatic counterparts. This paper published in Nature Medicine suggests that even the asymptomatic patients developed signs of lung inflammation without showing any outward symptoms. Could asymptomatic patients still be damaged by COVID? It's not easy to study this subset of patients, as they do not get tested routinely or present to hospital for examination or investigation.

This study looked at 37 individuals in the Wanzhou District who were diagnosed with COVID via swab test but did not show any symptoms before the test or during hospitalization. These patients were found through the extensive contact tracing program set up in Central China. Whilst in hospital 57% showed abnormalities in the lung fields on a CT scan, including the “ground glass” appearance classic for COVID pneumonia. These changes could be due to fluid or blood in the area or due to inflammation caused directly by the infection.

What does this mean for the individual in the long term? This is difficult to say, especially since COVID has only been around for a few months so long term follow up is simply impossible to state accurately. Depending on the size and severity of the inflammation it may resolve spontaneously with no lasting damage, or the inflammation could cause scarring of the lung tissue that only becomes evident several years or decades down the line. It's difficult to tell.

The study also looked at two other factors in these patients. Compared to their symptomatic counterparts, asymptomatic patients were found to shed viral particles for several more days. It is unclear the significance of this, or whether this makes them more infective or prone to transmitting the infection for a longer period of time. It does add support to the theory asymptomatic people should not believe themselves exempt from spreading the infection.

Secondly, the study looked at the prevalence of antibodies present in the patient's blood. These antibodies can be used as a surrogate for immunity. In theory, after infection occurs our body has the ability to rapidly produce these antibodies against the virus in the event of a second infection. This would neutralize the infection before it could develop into a serious disease.

Looking at these antibodies the researchers found antibody levels against the SARS and MERS virus to last over 2 years. However, against SARS-CoV-2, the antibody levels fall within 2-3 months, providing only a short duration of immunity. This is worrisome for individuals and countries hoping to achieve herd immunity or at least immunity to the virus after a mild or asymptomatic infection.

So what should we take away from this? Perhaps an asymptomatic infection is not the perfect scenario. Damage does occur to your lungs, albeit temporary damage. You are still able to spread it to vulnerable people. And your immunity may not last as long as other infections.

Therefore be safe. Maintain social distancing, follow government advice on wearing a mask. And if you can, avoid excessive socializing or close contact with lots of other people. The virus hasn’t gone away, and it is still dangerous.

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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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