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Published on: Jul 10, 2021
1 minute read
By: Raj Dwivedi

The Hybrid Way - Telehealth !

Covid 19 has transformed our lives in so many ways. The reality is that most likely, the pandemic will not end suddenly, and we’ll be dealing with some version of it for years to come.

As we slowly adapt to our new normal, we’ll embrace some changes and reset our lives in many ways. We have noticed some of the shifts in our personal lives and the world around us.

Health care has gone through a complete digital revolution: As the pandemic intensified, more and more providers have switched from in-person visits to telehealth appointments over video chat. Globally in April 2020, telemedicine services increased by more than 35,00 percent, and nearly half of every consultation visit was delivered virtually. Of course, this was a welcome change. Virtual visits have prevented excess COVID-19 exposure and saved others—especially those in rural areas—from a long commute to the doctor’s office.

The increase in remote and telehealth was driven by general fear of infection. Lot of telehealth consultation took place in areas of substance abuse recovery and mental health as well.

What was meant to be a temporary solution worked surprisingly well, at least once they tackled tech barriers? Some clients relied on their own devices before the dedicated platforms and purpose-built suites were launched. For people without smartphones or data plans to support these services, virtual care was out of reach before the suites arrived.

Post-pandemic many clients will prefer to return to face-to-face services. Yet in most cases, virtual visits would make it easier for his clients to access health care. For instance, lack of transportation could stand in the way of someone making their appointment, but that concern goes away with virtual meetings.

Appointment cancellations will be reduced. More Hybrid models will replace the existing singular OPD model. OPD will have two elements and one will be remote and then followed by in person. What happens in an actual scenario that a typical non-life-threatening issue comes up at work or home which needs medical attention. The appointment with the doctor and time off at work combined defers the visit most of the time to next week. This delay has its own downside and risk. In some instances, the problem sorts out by home remedies. Telehealth solves this problem and takes care of issues that never need to be treated and looked at in-person saving everyone financially.

We have watched this play out during the early months of the pandemic. The pandemic has flipped the switch for patients who had grown accustomed to traditional doctors’ visits. But now that many people have tried out virtual care, some are reluctant to give it up. This will force providers to change the model and be ready to service the hybrid way.

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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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