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Published on: Apr 04, 2020
2 minute read
By: Dr Rajan Choudhary

THE CHALLENGES FACED IN MAKING A VACCINE FOR COVID-19 — Part 2

Previously we’ve seen the difficulties researches face in trying to make a vaccine. But even if we make a vaccine, that’s just half the battle. Viruses are unique because they can mutate, and they can mutate to astonishing degrees. In humans mutations to tiny parts of our DNA can cause severe diseases or even death. In viruses mutations can change their structure, making them more infective and giving them a new coat. It gives them a survival advantage, the ability to evade our immune system and make our vaccines ineffective. This is why we need a new flu vaccine every year.

If it takes months to a year to develop a vaccine, it will be based off the virus found in December 2019. By this time the virus may have spread and mutated to such a degree that it is not effective. This does not mean all the effort was for nothing. Going through the steps and understanding the issues faced with making a COVID-19 vaccine can make the process quicker for subsequent vaccines against its mutated versions.

https://www.sciencealert.com/who-says-a-coronavirus-vaccine-is-18-months-away So Long to Develop a Vaccine

FAILURES FROM THE PAST

These issues were faced during the Ebola and Zika virus epidemics, and many large companies are understandably hesitant to develop vaccines for COVID-19. Ebola first broke out in 2014, and it was only in December 2019 that the first vaccine was approved for use by the European Commission and the United States. This is despite multiple large institutes in Canada and the UK working together to develop it.

13 different Ebola vaccine candidates had been identified soon after the outbreak, but none had been tested on humans. Unfortunately this is the most expensive part of development, and the area biopharmecuticals stand to loose the most money. Return on investments is also low, since epidemics usually take place in poorer countries, and the potential customers are unable to pay the high prices for these brand new treatments. It is an unfortunate realisation that research into medicines is driven by rich countries, for diseases that affect the rich.

https://newint.org/features/web-exclusive/2016/06/16/why-did-the-market-fail-to-produce-an-ebola-vaccine Ebola

WHERE ARE WE NOW?

This is all well and good, but what does it mean for COVID-19? We know we cannot rush a vaccine, because a poorly designed vaccine with unknown side effects can cause more harm than good, especially if given to children or the elderly. Currently the WHO are tracking 31 different attempts at making a COVID-19 vaccine, using different methods as discussed before. All of these are currently in the pre-clinical stage, focusing on isolating parts of the virus and creating a target the body will recognise and react to.

Researchers at the University of Queensland were one of the first to start using the genetic code of COVID-19, released openly by Chinese researchers. They have developed a test vaccine within 6 weeks using state-of-the-art genetic techniques, used for the first time. If animal models prove successful then human testing might begin within 6 months. In the pharmaceutical industry advancements this quick are almost unheard of.

Additionally over 293 clinical trials are taking place in China using existing drugs on the market. The advantage is we already know these drugs are safe to use in humans, but we are trying to work out if they will work against COVID-19. Some scientists are also looking at medications that were initially developed against SARS and MERS, but never completed because these outbreaks died down and the medication was no longer required.

https://www.aljazeera.com/news/2020/03/china-recovered-develop-effective-covid-19-treatments-200302082850237.html COVID-19 treatments

https://www.who.int/blueprint/priority-diseases/key-action/novel-coronavirus-landscape-ncov.pdf?ua=1 WHO news

https://www.theverge.com/2020/2/28/21156385/covid-coronavirus-vaccine-treatment-moderna-remdesivir-research COVID-19 treatment

Its not all doom and gloom. Challenges drive innovation, and we are already benefitting from this. New forms of genetic sequencing, new methods for extracting viral proteins, new techniques in creating a vaccine. These innovations are already benefitting us on the drive to create an effective vaccine for COVID-19, and they will benefit us in the future when the next pandemic hits.

Dr Rajan Choudhary, Product Manager Second Medic UK

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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