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Published on: Aug 18, 2022
2 minute read
By: Second Medic Expert

Understanding Liver Function Test

A liver function test is a blood test that measures the levels of various enzymes and proteins in your blood. These substances are produced by the liver, and they can be a sign of liver damage or disease.

There are a number of different liver function tests (LFTs) that can be used to assess the health of your liver. The most common ones are Bilirubin, Alkaline Phosphatase (ALP), Aspartate Aminotransferase (AST), and Alanine Transaminase (ALT).

Bilirubin is a pigment that is produced when the liver breaks down red blood cells. Elevated levels of bilirubin in the blood can be a sign of liver damage or disease.

ALP is an enzyme that is produced in the liver. High levels of ALP in the blood can indicate liver damage or disease.

There are a few different types of liver function tests, but they all basically measure the same thing: how well your liver is functioning. The most common liver function test is called the serum blood panel. This measures the levels of enzymes in your blood that are produced by the liver. These enzymes include:

- ALP (alkaline phosphatase): This enzyme helps with the digestion of fats and is increased when there is damage to the bile ducts.

- ALT (alanine transaminase): This enzyme helps with the breakdown of amino acids and is usually elevated when there is damage to hepatic cells.

- AST (aspartate aminotransferase):

The liver function test is a common medical test that is used to evaluate the health of your liver. The test measures levels of enzymes in your blood that are found mainly in the liver. Enzymes are proteins that help with chemical reactions in your body. When something is wrong with the liver, these enzymes can be released into the blood, where they can be detected by the Liver Function Test. Some of the things that can be checked with this test include hepatitis, cirrhosis, jaundice, and fatty liver disease. It can also give clues about other problems such as an toxins or alcoholism. The test is usually done as part of a routine checkup or when someone has symptoms that might be related to liver.

There are a few different liver function tests that your doctor may order, depending on your individual situation. These tests can help to assess how well your liver is functioning and whether or not there is any damage present.

There are a few different liver function tests (LFTs) that your doctor may order, depending on what they suspect might be going on with your liver. The most common LFT is the alanine transaminase (ALT) test. This measures the level of an enzyme called ALT in your blood. ALT is normally found in liver cells, so high levels of it in your blood can indicate liver damage. Other LFTs that may be ordered include the aspartate transaminase (AST) test, the alkaline phosphatase (ALP) test, and the gamma-glutamyl transferase (GGT) test. A liver function test is a blood test that measures the levels of enzymes in your blood. These enzymes are produced by your liver and help to break down fats, proteins, and carbohydrates. There are several different types of liver function tests, but the most common one is the alanine transaminase (ALT) test.

ALT is an enzyme that is involved in metabolizing amino acids. When your liver is damaged or inflamed, it releases Jazz hands advertising internships high levels of ALT into your bloodstream. The ALT test can be used to detect liver damage or disease. The normal range for ALT varies depending on your age and sex, but it is generally between 20 and 40 IU/L

There are a number of different liver function tests that can be performed, each of which can give useful information about the status of the liver. The most common liver function tests are the serum glycated albumin test, the serum alkaline phosphatase test, and the serum glutamic-oxaloacetic transaminase (SGOT)test.

The glycated albumin test measures the level of a specific type of sugar (glucose) that is bound to albumin, a protein found in the blood. This test provides an indication of how well the liver is able to process glucose.

The alkaline phosphatase test measures the level of an enzyme that is produced by the liver. This The liver function test is a blood test that measures the levels of certain enzymes and proteins in your liver. These substances are normally present in the liver in small amounts. But if your liver is damaged, these substances can leak into your bloodstream and increase the level of certain enzymes and proteins in your blood.

There are several different liver function tests, each of which measures different enzymes or proteins. The most common liver function tests are the alkaline phosphatase (ALP) test, the aspartate aminotransferase (AST) test, and the alanine aminotransferase (ALT) test.

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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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