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Published on: Jan 23, 2022
3 minute read
By: Second Medic Expert

Diagnostics: Kidney Function Test

Diagnostics: Kidney function Test

Blood and urine tests are done to check kidney function.

Blood tests that can help assess kidney function include creatinine level, blood urea nitrogen level, and estimated glomerular filtration rate (eGFR).

Urine tests that can help assess kidney function include urine protein test, urine specific gravity test, and urine creatinine test.

What tests are done to check kidney function?

The most common tests to check kidney function are a blood test called creatinine and a urine test called albumin.

Creatinine is a waste product that is released into the blood when the muscle is damaged. So if the kidneys are not working properly, creatinine levels will go up. Albumin is a protein that is found in the urine. If the kidneys are not working properly, more albumin will leak out of the kidneys and into the urine.

Other tests that may be done to check kidney function include:

-A blood test to measure creatinine clearance. This measures how well the kidneys are filtering creatinine from the blood.

-A urine test to measure protein levels. High protein levels

When a doctor checks kidney function, they will order a blood test to check creatinine levels and blood urea nitrogen levels. These tests give an indication of how well the kidneys are working. If the creatinine or BUN levels are high, it means that the kidneys are not working properly. The doctor may also order a urine test to look for albumin in the urine. Albumin is a protein that is normally filtered out by the kidneys. If there is albumin in the urine, it means that the kidneys are not working properly.

What is the most accurate test for kidney function?

The most accurate test for kidney function is a creatinine blood test. It measures the level of creatinine in your blood. Creatinine is a waste product that is released when muscle tissue is damaged. So the higher your creatinine level, the more damage your kidneys have sustained.

Other tests that can be used to measure kidney function include a BUN (blood urea nitrogen) test and urine analysis. However, both tests are less accurate than the creatinine blood test.

What is a normal kidney function level?

Normal kidney function is when the kidneys filter wastes and excess fluid from the blood to make urine. The normal range for creatinine, a waste product that is filtered out by the kidneys, is 0.5 to 1.1 mg/dL for women and 0.6 to 1.2 mg/dL for men. Urine output should be about 600 to 800 mL per day. If you have symptoms such as foamy urine, swelling in your legs, shortness of breath, or chest pain, see your doctor right away because they may be signs of a problem with your kidneys.

Normal kidney function is defined as a creatinine level below 1.5 mg/dL in men and below 1.4 mg/dL in women. Creatinine is a waste product that is eliminated from the body through the kidneys. When the kidneys are functioning properly, they filter creatinine and other waste products from the blood and excrete them in urine. A creatinine level that is higher than normal indicates that the kidneys are not filtering blood as efficiently as they should be. This can be a sign of many different diseases or conditions, including kidney disease, liver disease, heart failure, and diabetes.

What are the first signs of kidney disease?

The first signs of kidney disease are usually subtle and can be easily missed. Here are five common early signs of kidney disease:

1) Changes in urine output, such as a decrease in the amount of urine produced or an increase in the amount of time needed to produce a full bladder

2) Increased thirst and urination, caused by the body's efforts to get rid of excess fluid by increasing urine production

3) Foamy or bubbly urine, a sign that protein is spilling over into the urine from damaged kidneys

4) Swelling in feet, ankles, and legs, caused by buildup of fluid called edema

5) Feeling tired and sluggish all the time, possibly due to anemia

Can a blood test detect kidney problems?

Yes. A blood test can detect kidney problems by looking for biomarkers in the blood that indicate a problem with the kidneys.

Some common biomarkers that may be detected in a blood test include creatinine, urea nitrogen, and albumin. If any of these biomarkers are elevated, it may indicate that there is a problem with the kidneys.

Kidney problems can be detected through blood tests, although the specific tests used will vary depending on the nature of the kidney problem.

Some common blood tests used to detect kidney problems include:

-A creatinine level, which measures how well your kidneys are filtering waste products from your blood

-A BUN level, which measures how much urea (a breakdown product of protein) is in your blood

-An albumin level, which measures how much albumin (a type of protein) is in your urine

-A creatinine clearance test, which measures how much creatinine is cleared from your blood per minute

Read Blog

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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