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

Stretch Marks: Causes And Treatment

Stretch marks are markings that often show up on the skin during pregnancy, estrus, or rapid growth spurts. They’re usually red or purple at first, but eventually fade to a silvery white. Pregnancy is the most common cause of stretch marks, but they can also be caused by weight gain during puberty or from certain medical conditions like Cushing’s syndrome. While stretch marks are harmless and don’t pose any health risks, many people find them unsightly and are looking for ways to get rid of them.

There are a number of treatment options available for stretch marks, though none of them are guaranteed to work. Stretch marks are markings that can occur on the skin during periods of rapid growth or stretching. The most common places they appear are on the thighs, buttocks, stomach, and breasts. During pregnancy, these markings often show up around the sixth or seventh month as the skin stretches to accommodate a growing belly.

While stretch marks do not pose any health risks, many people regard them as unsightly blemishes. In general, there are two ways to treat them: topical treatments and laser therapy. Topical treatments for stretch marks include moisturizers, retinoids, creams containing Vitamin C, and body oils like cocoa butter. These products work by stimulating collagen production and improving blood circulation in the area . Stretch marks are markings that can occur on the skin after it has been stretched or distorted in some way. They’re often associated with pregnancy, weight gain, andgrowth spurts during adolescence. However, anyone can develop stretch marks, even though they’re more common in women than men.

Stretch marks usually first appear as reddish or purple lines, but over time they tend to turn a lighter color. They tend to be most visible on the stomach, breasts, hips, thighs, and buttocks—areas where larger amounts of fat are typically stored. There are a number of different factors that can contribute to the development of stretch marks. There are many different causes of stretch marks, from changes in weight to pregnancy and puberty. However, the most common cause of stretch marks is due to rapid weight gain or loss. When the skin stretches quickly, it can cause the collagen fibers to break down, resulting in stretch marks.

There are a number of treatment options available for stretch marks. topical creams and lotions can help to improve the appearance of stretch marks by increasing hydration and elasticity. laser treatments can also be effective in reducing the appearance of stretch marks by stimulating collagen production. If you’re pregnant or breastfeeding, you should speak to your doctor before using any treatments as some ingredients may not be safe for your baby.

Stretch marks are markings that often appear on the skin during periods of fast growth or change. They’re most common during puberty, pregnancy, and after sudden weight gain. Between 40 and 90% of pregnant women get them. Up to 30% of adolescent girls and boys have them too.

For many people, stretch marks are a source of frustration and embarrassment. Fortunately, there are ways to minimize their appearance and even get rid of them completely. In this article, we’ll discuss what causes stretch marks and some of the best treatments available.

What Causes Stretch Marks?

Stretch marks happen when your skin stretches or shrinks too quickly. There are a number of factors that can cause stretch marks, including pregnancy, gain or loss of weight, changes in body composition, and pubertal growth spurts. There is no surefire way to prevent stretch marks from occurring, but there are some things you can do to minimize your risk. Keep your skin hydrated by drinking plenty of water and using a moisturizer regularly. eating a healthy diet and maintaining a healthy body weight will also help to keep your skin stretched taut.

Stretch marks are markings that often appear on the skin during periods of rapid growth or weight gain. Though they're more common in women, both sexes can get them. Stretch marks happen when the skin is stretched beyond its normal capacity, causing the dermis (the middle layer of skin) to tear. This results in a markings or indentations on the surface of the skin. Though they're not dangerous, stretch marks can be unsightly, which is why many people look for ways to get rid of them. There are a number of different treatments for stretch marks, though none of them are guaranteed to work. Some popular methods include topical creams and lotions, laser therapy, and microdermabrasion. There are many different causes of stretch marks, but the most common cause is pregnancy. Stretch marks occur when the skin stretches or shrinks rapidly, causing the collagen and elastin fibers in the skin to break down. This can happen during pregnancy as the skin stretches to accommodate the growing belly. Other causes of stretch marks include weight gain or weight loss, pubertal growth spurts, and bodybuilding.

Stretch marks can occur anywhere on the body, but they are most commonly seen on the stomach, breasts, hips, buttocks, and thighs. They typically appear as lines or streaks that are slightly darker than your surrounding skin color. In some cases they may be itchy or painful.

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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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