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Published on: Oct 28, 2020
2 minute read
By: Dr Rajan ( Medical Second Opinion Cell)

COVID: A Reminder To Stay Safe

COVID: A reminder to stay safe

As we approach the second wave of COVID, we need to remain vigilant with our actions to prevent the spread of the virus. We are continuously reminded about wearing a mask in public, maintaining socially distant, and not engaging in risky behavior such as large gatherings. But today we will focus on other forms of transmission. COVID is primarily transmitted by airborne droplets, but spreading the infection through infected surfaces is still feasible. Here we will look at three articles that investigate this mode of transmission.

SARS-COV-2 Survives for 28 days on surfaces

This study by Australian scientists has found that SARS-CoV-2 can survive on surfaces for up to 28 days. The team investigated using the same amounts of virus found on infected individuals, interacting with surfaces such as cotton, paper, stainless steel, glass, and vinyl. Such materials were chosen as they represent commonly touched objects such as mobile phones, ATMs, supermarket checkout regions, items that may not be cleaned regularly enough. Previous research showed the virus could be detected in aerosols for up to three hours, and on plastic and stainless steel surfaces for up to three days.

This study found the virus may survive as long as a week on most surfaces, with enough potency to re-infect. Even after two weeks, there were still plenty of detectable viruses. On other surfaces such as banknotes, the virus could survive as long as a month. The survival of the virus is also potentiated by colder temperatures. The virus is far less likely to survive at 30C than at 6 C, a worrying finding for countries currently approaching winter.

Survival of SARS-CoV 2 on the human skin

We know our skin is host to millions of different bacteria and viruses, but the conditions created by the body alongside the degree of microbial competition actually makes it quite a hostile environment for pathogenic microbes. Hirose et al looked to investigate how well the SARS-CoV-2 virus survives on human skin, using a model. They found that SARS-CoV-2 and the influenza A virus were destroyed more quickly on the skin than other surfaces such as steel, glass, and plastic. However, COVID lasted over 4x longer on skin compared to Influenza A (9 hours vs 1.8 hours).

More importantly, ethanol compounds were found to inactivate SARS-CoV-2 within 15 seconds on human skin. This highlights the importance of regular hand washing, even if with alcohol gel. Taking this in mind, it is useful to keep small bottles of alcohol gel on a person when traveling in public and using it regularly. After all, if you are touching door handles and other items that hundreds of other people may have touched before you, potentially with poor hygiene, it is safer to regularly disinfect.

Low risk of COVID transmission by fomites in real life conditions

Having taken these studies into account, it is quite difficult to quantifiably measure transmission from surface to a person. Knowledge of this transmissibility is quite important, especially to those working in a hospital environment. A review by Mondelli et al published in the prestigious journal The Lancet (Infectious Disease) describes two sequential studies to looking at the possibility of contamination of surfaces in an infectious disease ward of a major Italian hospital, and also whether risk of transmission was higher in emergency rooms and sub-intensive care wards.

These studies found there were very few surfaces in the hospital through which positive swabs could be taken, suggesting contamination was low. Of course the hospitals were running standard cleaning procedures, with regular wipedowns of commonly toughed objects. This again highlights the importance of maintaining hygiene, and how adequate cleanliness can significantly reduce the risk of infection.

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Healthcare Insurance in India: Protecting Health, Empowering Lives with SecondMedic

Health is priceless, but healthcare can be expensive. In a country where medical inflation rises by nearly 12% every year, healthcare insurance has become a necessity, not a luxury.

SecondMedic bridges medical protection with digital convenience — giving Indians a smarter, simpler way to stay covered and cared for.

What Is Healthcare Insurance?

Healthcare insurance is a financial safety net that covers hospitalization, treatment, and medical expenses. It ensures you get access to top-quality hospitals without worrying about unexpected bills.

Modern health plans now go beyond emergencies — they cover preventive care, teleconsultations, home diagnostics, and even digital wellness programs.

Why Healthcare Insurance Is Essential in India

A 2024 report by IRDAI (Insurance Regulatory and Development Authority of India) found that over 70% of Indians pay medical bills out-of-pocket. One hospitalization can wipe out an entire year’s savings for a middle-income family.

Healthcare insurance:

Protects against medical inflation
Enables cashless hospitalization
Provides tax benefits under Section 80D
Encourages early detection via preventive checkups
Supports virtual consultations and chronic care follow-ups

Types of Healthcare Insurance Plans

1. Individual Health Plans

Covers one person — ideal for self-employed or single professionals.

2. Family Floater Plans

A shared sum insured for the whole family — cost-effective for parents and children.

3. Senior Citizen Plans

Customized for people aged 60+, including chronic disease and home care support.

4. Corporate & Group Insurance

Employer-provided coverage with wellness programs and digital consultation access.

5. Top-Up & Super Top-Up Plans

Extend existing coverage limits at low cost.

SecondMedic’s Role in Smarter Health Coverage

SecondMedic doesn’t just help you buy insurance — it helps you live healthier under it.

Our integrated Digital Health + Insurance model provides:

Cashless virtual consultations
Coverage-linked diagnostics (home or lab-based)
E-prescriptions & discounted pharmacy
AI-based health score tracking
Doctor guidance for claims and follow-ups

This ensures that insurance is used proactively, not just in emergencies.

Preventive Care + Insurance: A Winning Combo

Insurance companies now reward preventive care. By getting regular SecondMedic checkups, your health data helps keep premiums lower and claim-free bonuses active.

A NITI Aayog 2024 report found that preventive health monitoring reduced hospitalization risk by 28% among insured individuals.

Digital Health Meets Insurance

With SecondMedic’s tech-driven model, your insurance can now include:

Online doctor consultations
Chronic care management
Home sample collections
Telemedicine coverage
Digital health reports for easy claims

You can view your policy benefits, upload claims, and access your medical records — all through your SecondMedic dashboard.

How to Choose the Right Healthcare Insurance

Assess your medical history and family needs.
Compare premiums, claim ratios, and network hospitals.
Choose plans with telehealth, diagnostics, and preventive cover.
Check waiting periods for pre-existing conditions.
Use SecondMedic’s plan comparison tool for expert-backed guidance.

Conclusion

Healthcare insurance is not just a policy — it’s peace of mind.
By combining medical coverage with digital healthcare and preventive wellness, SecondMedic ensures that protection is proactive, not reactive.

Whether you need basic health cover or a comprehensive family plan, SecondMedic makes the journey simple, transparent, and fully online.

Compare and choose your healthcare insurance plan today at SecondMedic.com — because your health deserves both care and security.

Real Data & References

IRDAI Report 2024: 70% of Indians still pay medical bills out-of-pocket.
irdai.gov.in
NITI Aayog 2024: Preventive health reduces hospitalizations by 28%.
niti.gov.in
WHO India 2023: 50% of health issues preventable through early care.
who.int/india
SecondMedic Data (2025): 67% users prefer health plans with digital consultations.
secondmedic.com

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