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Published on: May 26, 2022
3 minute read
By: Second Medic Expert

Understanding Obsessive-Compulsive Disorder (OCD)

Obsessive-compulsive disorder (OCD) is a mental disorder characterized by intrusive thoughts that produce anxiety, by repetitive behaviors aimed at reducing anxiety, or by a combination of both. These thoughts and behaviors can be classified into four categories: cleaning/washing, checking, counting, and symmetry. People with OCD often feel ashamed and embarrassed about their condition and may keep it secret. They may worry that others will think they are crazy or dirty. But OCD is actually a very common disorder. About 1 in 40 adults has OCD. It can occur at any age but often starts during adolescence or early adulthood.

OCD can manifest in many different ways. For some people, OCD might be characterized by obsessive thoughts that drive them to compulsively perform certain actions or rituals. For others, the compulsions might not be as overt, and may instead involve more subtle behaviors or rituals that are difficult to notice or understand. The important thing to remember is that OCD is a real and serious disorder that can cause a great deal of distress for those who suffer from it. If you think you might have OCD, please seek professional help. There is hope for recovery and there are treatments available that can help you manage your symptoms.

OCD can be treated with medication, therapy, or a combination of the two. OCD is a mental disorder characterized by intrusive thoughts that produce anxiety, by repetitive behaviors aimed at reducing the anxiety, or by a combination of both. People with OCD may have difficulty controlling their thoughts and feelings. They may worry excessively about cleanliness, germs, or harm to themselves or others. They may have persistent doubts and fears about things like whether they turned off the stove or locked the door. And they may engage in rituals like hand-washing, checking locks, or counting items to try to reduce their anxiety.

OCD can be very disabling and can prevent people from carrying out even the most basic everyday tasks. But with treatment, many people with OCD can learn to manage their symptoms and lead productive lives. OCD is a mental disorder characterized by intrusive thoughts that produce anxiety (obsessions), repetitive behaviors aimed at reducing the anxiety (compulsions), or both. Obsessions are thoughts, images, or urges that repeatedly invade a person's mind, even when they don't want them to. These thoughts may produce anxiety, disgust, doubt, fear, or guilt. People with OCD often know their obsessions aren't reasonable, but they can't stop them from occurring.

Compulsions are repetitive behaviors or rituals that a person with OCD feels driven to perform in order to reduce the anxiety caused by their obsessions. OCD is a mental disorder in which people have unwanted and repeated thoughts, feelings, or images that make them feel stressed or anxious. They may also perform specific actions or rituals over and over again to try to relieve the anxiety. OCD can be very disabling. People with OCD may spend hours each day performing rituals or checking things excessively. The thoughts and images that occur in OCD are called obsessions, and the rituals are called compulsions. Some people with OCD know that their thoughts and behaviours don't make sense, but they can't stop themselves from carrying out the rituals anyway.

People with OCD often have intrusive thoughts about dirt, germs, or harm. As a result, they may develop compulsive behaviors such as hand-washing, cleaning, or checking to make sure things are done in a certain way. OCD can be very disabling and can interfere with work, school, and relationships. There is no cure for OCD, but treatment can help control symptoms. Treatment options include cognitive-behavioral therapy (CBT), medications, and exposure and response prevention (ERP).

There is no one-size-fits-all approach to treating OCD, but cognitive behavioural therapy (CBT) has been found to be one of the most effective treatments. CBT helps people understand and change their thoughts and behaviours, thereby reducing their symptoms. Other types of therapy may also be useful for people with OCD, such as exposure therapy or mindfulness-based therapies.

People with OCD may have difficulties with normal daily activities because of the time and energy they spend on their obsessions and compulsions. OCD can be a very disabling condition, but it is treatable. There are a number of effective treatments for OCD, including cognitive-behavioral therapy (CBT), medication, and self-help strategies. With treatment, many people with OCD can learn to manage their symptoms and lead healthy, productive lives. People with OCD may have frequent thoughts about germs, dirt, or harm. They may spend a lot of time washing their hands, cleaning, or checking things. They may also have rituals such as counting or touching things in a specific way.

Treatment usually includes counseling and sometimes medications. Obsessive-compulsive disorder (OCD) is a mental health condition that causes people to have intrusive, upsetting thoughts (obsessions) and/or repetitive, behaviors or rituals (compulsions) that they feel they can't control. For example, someone with OCD may obsessively worry about germs and cleanliness, leading them to wash their hands over and over again. Or they may have the compulsion to organize things in a very specific way, such as arranging all of their books in alphabetical order. OCD can be extremely frustrating and disabling for the people who have it. However, there are treatments available that can help people manage their symptoms.

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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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