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Published on: May 06, 2022
2 minute read
By: Second Medic Expert

Stress Management

There are a lot of different ways to manage stress, and what works for one person may not work for another. It's important to experiment and find what works best for you. Here are a few ideas to get you started:

Exercise: Exercise is a great way to release tension and reduce stress levels. Even just a short walk can help to clear your head and give you some much-needed fresh air.

Meditation: Meditation can help you to focus on the present moment and let go of stressors from the past or future. There are many different ways to meditate, so find one that feels comfortable for you and stick with it

Practicing relaxation techniques: Relaxation techniques such as deep breathing, meditation, and yoga can help to calm the mind and body and reduce the effects of stress.

Identify the sources of stress in your life. This can be difficult, as often times we experience stress without even realizing it. Once you have identified the main sources of stress in your life, you can begin to take steps to eliminate or reduce them.

Learn healthy coping mechanisms. This could involve things like deep breathing exercises, yoga, meditation, journaling, or any other activity that helps you to relax and de-stress.

Make time for yourself every day. It is important to find time each day to do something that you enjoy or that relaxes you.

Stress management is all about taking control of the stressors in your life and learning how to cope with them in a healthy way. There are many different stress management techniques that you can use, but it’s important to find the ones that work best for you.One of the most effective stress management techniques is exercise. Not only does it help improve your overall health, but it also releases endorphins, which have mood-boosting effects. Regular exercise can help reduce stress levels and make you feel more relaxed and happier.

Another great way to manage stress is to spend time with friends and loved ones. Connecting with others can help reduce stress and improve your overall sense of well-being. When it comes to managing stress, there are a few things that you can do to make sure that you're as successful as possible. First, it's important to understand what stress is and how it affects your body. Stress is a physical response to an external trigger - it's your body's way of preparing itself for a challenge or threat. When you perceive a threat, your brain signals your body to release hormones like cortisol and adrenaline. These hormones increase your heart rate and blood pressure, and they also give you more energy so that you can either fight or flee from the perceived danger.

Just to recap - Stress is a part of everyone's life, but it doesn't have to take over. Learning how to manage stress can help you feel more in control, energetic, and productive. Here are some tips to get started. First, it's important to understand what stress is and how it affects your body. Stress is your body's response to pressure or threat. It can be caused by anything that makes you feel anxious, overwhelmed, or like you're not in control. When you're stressed, your body releases hormones that increase your heart rate and raise blood pressure.

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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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