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Published on: Apr 06, 2020
2 minute read
By: Dr Rajan Choudhary

MicroRNA That Makes Them Fight COVID Better ?

Recently you may have read a New Delhi based International Center for Genetic Engineering and Biotechnology (ICGEB) sequenced the genome (genetic data) of SARS-COV-2 (coronavirus) from India, Italy, US, Nepal and Wuhan, China. They found that the Indian variant of SARS-CoV2 has the potential to be targeted by antiviral RNA within host cells, a feature that is unique to the Indian strain.

This amazing finding has been published on blogs, newspapers and other media as proof that Indians may not suffer as much as the rest of the world when the COVID-19 pandemic hits the country. One headline touted “MicroRNA in Indians may reduce severity of corona attack”, stating “Indians have comparatively better immunity compared to other countries”. Of course this article is being forwarded on WhatsApp, and enough people may take it as gospel. Is it true?

No.

If you want to know why, just look on the Journal’s website:

“these are preliminary reports that have not been peer-reviewed. They should NOT be regarded as conclusive, guide clinical practice/health-related behaviour, or be reported in news media as established information.”

Research is not easy. I could write a very long explanation for why, but I have summarised it below.

SUMMARY:

- To prove x causes y up to a high scientific standard is incredibly difficult

- Even if you think x causes y, someone might find a flaw in your study

- Numbers can be manipulated by statistics to show what you want to believe

- Reporters might not understand the study and mis-report it

- We all want to believe there is a magic cure that will protect us, that makes us special, immune to this disaster so we can get on with our lives. Unfortunately there simply isn’t one. And believing in them without fact checking can cause more harm than good.

IMMUNITY AGAINST COVID

So what about this study? Firstly it is looking at one tiny mechanism in a cell, when a cell can have millions of proteins responsible for a billion different functions in just the cell itself. Secondly it is not peer reviewed. This means no one has fact checked the study to check whether the design is valid, whether the statistics hold up, whether they have missed something or are making incorrect conclusions based off their data. Peer-reviewing a recent paper showing SARS-CoV-2 and HIV were extremely similar disproved this paper as false.

In the authors defence he acknowledges this:

“In our study, which is a purely computational one, we predicted that this microRNA binds to the SARS-Cov2 genome submitted from India. However, it is too early to comment on it because there is only one high coverage sequence from India, so far,”

Thirdly, the news article says that Indians have better immunity because of this “microRNA”. This is wrong. The study sequenced the genome of the virus, not of the Indian population. Antiviral microRNA is found in all people. The study simply suggests that this might be more effective at targeting the Indian strain of COVID, but it does not make any concrete claims that Indians are protected from COVID.

Again, the journal even states this:

“These are preliminary reports that have not been peer-reviewed. They should not be regarded as conclusive, guide clinical practice/health-related behavior, or be reported in news media as established information.”

But most importantly, even if the paper suggests that the Indian strain may be less potent, it does not give us an excuse to be reckless. We have to adhere to social distancing, hygiene, lockdown principles in order to prevent infection. Because what happens if you take the article stating “Indians have comparatively better immunity compared to other countries” as fact, use this as an excuse to go about your regular daily lives, and it actually turns out that the microRNA has little to no effect on COVID. This endangers yourself and those around you.

Be sensible. Listen to public health officials.

Dr Rajan Choudhary, UK, Chief Product Officer, Second Medic Inc

www.secondmedic.com

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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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