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Published on: Nov 10, 2021
2 minute read
By: Second Medic Expert

Understanding Hemogram

A hemogram can tell you a lot about your blood. For instance, red and white blood cells, as well as platelets (also called thrombocytes), will be counted and examined for size, shape, volume, and degree of organization. Specific factors that may affect these parameters include a total number of erythrocyte progenitor stem cells; RBC membrane stiffness; frequency of RBC production; distribution and frequency of phagocytosis (cellular breakdown); distribution and type of leukocytes (white blood cells) in circulation; vitamin deficiencies like folic acid or B12 deficiency. The number of toxic substances such as lead poisoning can also be analyzed from a hemogram.

Your hemoglobin levels should be high and your white cell count should be low. It's very important to have a blood test done when you're pregnant to make sure that you don't have any type of disease that the blood could transmit to the baby through the placenta, such as hepatitis B or C, HIV/AIDS, syphilis, or other diseases.

It's also important when giving birth if one is Rh-negative and hasn't been vaccinated against it (if they can't remember their past). If they were exposed in pregnancy and gave birth with an Rh-positive partner, there's a chance for their newborn baby to receive too many RBCs from mom and develop jaundice/anemia;

A hemogram is a blood test that measures the hematocrit, hemoglobin levels, and other substances in the blood (such as total protein and red blood cells). Hemograms can be differential or comprehensive. Comprehensive: performs a complete analysis of all forms of an organism's entire circulating cellular mass. Differential: analyzes two sources from one specimen- for example, plasma and white cells, platelets and red cells, prothrombin time combined with partial thromboplastin time (PTT), D-dimer level with complete lipid profile to provide a clear diagnosis of possible metabolic liver problems.

A blood count measures the number of each type of cell found in one cubic millimeter (1/10th of a teaspoon) or 500 microliters (a little less than half a cup) of whole blood. The numbers are reported as cells per cubic millimeter, so you need to know how many millions there are to divide by 10 to get the actual headcount. In this way, for example, someone under 20 could have 1.0x1012 neutrophils and have a CBC that says they have 10x109 neutrophils per cubic millimeter."

The blood count may reveal, for example, an abnormally high number of red blood cells (confirmatory diagnosis) or determinations made by routine inspection that are not obvious without the additional information present in the hemogram. A hemogram is typically conducted to investigate an abnormal indication on a CBC. For instance, if you have very low white counts and no cause for this can be determined using other lab tests like a peripheral smear or bone marrow biopsy, it's possible that your doctor will perform a complete hemogram. Most often abnormalities are seen on the CBC.

When you're involved in extreme sports like skateboarding, your chances of getting injured are much greater than if you're at the pool or sipping tea. Hematoma is a condition that usually arises from some form of blunt force or direct trauma-related injury to the muscles and/or bones due to the high blood vessels around those areas. This injury can cause swelling which creates pressure on these vessels causing red blood cells to either leak into the soft tissue, tissues fluids, or even lead to a blocked flow of fresh oxygenated blood through these vessels if not treated promptly with an incision.

A hematocrit test analyzes the volume of red blood cells in one cubic millimeter of blood. Red blood cells contain hemoglobin, which carries oxygen and carbon dioxide to and from tissues and organs. The more severely an individual is afflicted with anemia, the lower the percentage of red blood cells they would have in one cubic millimeter of their own cardiac tissue.

If you endure a deep cut on your arm, your body will release stress hormones such as cortisol or epinephrine that prepare your immune system for increased levels of intense activity. These types of stress hormones also trigger a large release of iron from storage sites on red blood cells so that enough iron is available to help form new erythrocytes.

A haemogram is a study of the cellular inclusions in one's blood based on their shape, color, size, and specific gene expression. This process involves pumping a person's blood through a machine (this machine includes some spinning disks that separate out each type of cell for study). However, this test is not commonly done. Instead, analysis is usually limited to basic counts of red and white blood cells as well as platelets.

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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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