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Published on: Jul 09, 2020
2 minute read
By: Dr Rakesh Choudhary

COVID- 19 Tests – What Do You Need To Know?

COVID- 19 tests – What do you need to know?

Author: Dr. Rakesh Choudhary MBBS, MS, FRCS UK, FRCS Orth UK, MChOrth UK.

Dr. Choudhary is a practicing consultant surgeon in the UK.

So many of us think it is not their job to learn about COVID-19 tests and this should be left for the experts and governments to decide about these tests. But I strongly suggest the public must have a basic understanding of these tests which they may have to have themselves.

Basically there are two types of tests, one which can detect the virus in the body and the other one which tells if the person had the previous infection.

Virus test

The virus test detects an active infection. It detects the genetic material (RNA) of the virus during an active infection. It is also called a PCR (polymerase chain reaction) test or nucleic acid test and is sometimes inaccurately called an antigen test.

A swab is taken from deep in the back of your throat and deep in the nose. The swab should go deep up to 7-8 cm and is generally uncomfortable for the patient. Swabbing patients using the correct technique is paramount in ensuring an accurate result. By simply swabbing the inside of the nasal passage is not deep enough to verify that the virus is present.

What does virus testing tell you?

This test tells us if a patient is actively infected with the COVID-19 virus. Virus testing is used mainly for the diagnosis of COVID-19.

When should it be done?

The virus test works best during the first seven days of symptoms.

The coronavirus can be detected in swabs even before symptoms of illness first appear . This is why people can be infectious for a few days before the onset of symptoms, which usually appear about 5 days after the virus infects. Some people have no symptoms throughout their infection but are positive on the virus test and infectious to others. After a few days of illness, the concentration of the virus falls (as seen in swab samples) and the symptoms of the illness usually recede.

Accuracy of the test

In a person with COVID-19, the test is less likely to give a positive result late in the course of infection once the virus has been cleared by the immune system, or if an inadequate sample is taken from the nose or throat. There are concerns that the rate of ‘false negative’ test results could be as high as 30% and a significant number of people are wrongly being told they do not have the virus.

Antibody test

Antibody tests check your blood by looking for antibodies, which may tell you if you had a past infection with the virus that causes COVID-19. Antibodies are protein structures that are produced by the immune system in response to certain infections. The antibody can help fight off infections and can provide protection against getting that disease again (immunity). Antibodies are disease-specific. For example, measles antibodies will protect you from getting measles if you are exposed to it.

The antibody test detects the presence of antibodies as a marker of past infection. The antibody test (blood test) will only detect infections after the immune system has produced antibodies that recognize the virus. This happens approximately 7–10 days after symptoms develop.

Tests carried out a week after a patient develops symptoms will detect only 30% of people who had COVID-19 infection. Accuracy increases to 72% at two weeks and to 94% in the third week. Some people may take even longer to develop antibodies, and some people who are infected may not ever develop antibodies.

Interpretation of the antibody test is complex for non-medical people. Basically having antibodies to the virus that causes COVID-19 may provide protection from getting infected with the virus again. If it does, we do not know how much protection the antibodies may provide or how long this protection may last.

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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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