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Published on: Dec 08, 2021
3 minute read
By: Second Medic Expert

What Is A Calcium Blood Test?

The calcium blood test is a simple and popularly used test for determining one's "risk" for a variety of diseases. A patient will typically have in-office phlebotomy to obtain blood, with lab technicians then taking the sample to check the level of calcium in the blood with point-of-care laboratory equipment.

Due to its accuracy and low cost, it is used extensively in clinical laboratories as a screening tool for numerous conditions related to metabolic disorders such as diabetes or hyperparathyroidism including but not limited to increased risk of bone fractures.

The 'calcium blood test is performed to determine the calcium concentration in the blood. The level of calcium varies with age, habitation location, pregnancy status, and medications being taken. Calcium plays an important role in muscular relaxation, nerve impulse transmission, regulating vital body activity, bone metabolism, and also enables teeth mineralization.

A calcium blood test checks for an imbalance in the levels of two types of calcium in the bloodstream. It measures the level of ionized and total serum calcium. If one exceeds the other, it can be a sign that there is a problem with absorbing or regulating all types of calcium.

In recent years new research has emerged suggesting that typical Western diets—which are high in sugar intake—both promote not only diabetes but also cardiovascular disease by causing chronic stress on our body’s ability to regulate glucose metabolism and to create insulin resistance, which triggers high levels of sugar-induced inflammation toxins (specifical fructose) that interfere with cellular metabolism and DNA signaling pathways.

A calcium blood test is a procedure that measures the amount of calcium in your blood. Depending on how high or low the levels are, this could mean many things. A high level of serum calcium indicates hypercalcemia. This usually occurs when there is excessive production of parathyroid hormone (PTH) by abnormal cells in your body, such as teratoma cancers and certain types of malignancies or polycythemia vera. The excess PTH increases renal clearance and resorption rates so you excrete more calcium than normal through urination, causing increased levels in the bloodstream. It may also occur with hyperparathyroidism (also called primary hyperparathyroidism), mineral bone disease.

The calcium blood test measures the amount of calcium in the blood and is used to screen for potential health problems such as kidney disease, intestinal bypass surgery, and pseudo fractures. A pseudo proximal fracture (also known as a false fracture) is a break on an X-ray that does not occur at or near a joint. Pseudo proximal fractures are more easily seen on bone films than plain films because they show calcification throughout the length of the bone where they usually do not appear on X-rays. Pseudo proximal fractures can be caused by any injury which pulls hard enough to allow quick formation of xanthotic new bone — 24 hours — just before healing occurs.

The estrogen hormone in girls and older women controls the level of calcium in their blood. Estrogen helps make more of the protein that keeps the body's calcium in the bones. It also tightens up muscle cells so they can't let go of this stored-up calcium when a bone is resorbed; instead, it stays around to keep bones strong. This means your child will need to eat about 2,500 mg per day - many times what she needs for bone health alone - just to maintain proper function!

High dietary intake early on encourages even stronger kidney lfts among 6-year-olds with type 1 diabetes. Testosterone levels also play a role because it regulates the production of an enzyme necessary for normal blood.

This blood test measures the level of calcium in someone's blood. The inverse correlation between bone density and fracture risk may have led to a common belief that increases in circulating levels of calcitriol, consistent with an increase in dietary intake, should be associated with a higher bone mineral content and a lower occurrence of fractures.

One way to measure calcium during a blood test is with the presence of parathyroid hormone (PTH) and vitamin D. If PTH levels are low, it may suggest the body does not need more calcium. Low or absent levels of parathyroid hormone (PTH) may indicate:

the bone marrow has been destroyed and is no longer synthesizing new red blood cells
high liver fibrosis interfering with the production of PTH by the thyroid gland
irreversible kidney damage or chronic renal failure

Lower than average levels for this exam would include goiter/low iodine intake, eating disorders such as anorexia nervosa, malabsorption such as celiac disease. Higher

The calcium blood test measures the level of calcium in the person's bloodstream. Certain heart or kidney problems can show up on this particular type of test, but it is more commonly used to detect hypercalcemia. Hypercalcemia is generally caused by cancer cells which are rapidly increasing in number and will often cause symptoms that include bone pain, nausea, vomiting, diarrhea, and confusion. It can also sometimes lead to arrhythmias or altered mental states.

A calcium blood test measures the level of calcium in the blood. This reveals how much protein you're breaking down to provide your tissues with extra energy because protein is broken down into its main component--glucose (or sugar).

Osteoporosis, osteopenia, or bone fracture prevention.

High levels of vitamin D deficiency.

Metabolic acidosis (not enough acid in bloodstream) .

Kidney failure.

Lactate buildup due to anaerobic metabolism. The body switches from aerobic metabolism for simple tasks to anaerobic metabolism when you run out of oxygen during intense exercise, causing lactate accumulation that can lead to fatigue.

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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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