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Published on: Jul 29, 2021
2 minute read
By: Medical Consultation Online

What Is Infertility And What You Can Do About It

Infertility is a term used to describe the biological inability of an individual to conceive. There are many possible causes of infertility, some that can be easily diagnosed and treated while others cannot. The factors which cause or contribute towards infertility include a hormonal imbalance caused by diseases such as gonorrhea and chlamydia, drug use like cancer drugs for hormone replacement therapy or oral contraceptives; medical conditions such as diabetes and thyroid disease; tobacco smoking; alcohol consumption (particularly heavy drinking); marijuana usage among other substances: all these things could lead to diminishing fertility in both sexes with men being more affected than women due to their reproductive organs not having fully developed until later years when they enter puberty.

Infertility is a condition that can affect whole families and put stress on relationships. It's important to take care of yourself, so you're able to provide the best possible support for your partner as they work through their situation. Most people are not aware of infertility because it takes patience before any noticeable symptoms usually show up in couples who have been trying unsuccessfully to conceive for 12 months or more with no success

(1). There are several different types of tests available that will help identify specific causes such as hormonal imbalance but the most common cause is an inability by sperm cells or eggs carrying male chromosomes from fertilizing successfully! In these cases, fertility awareness treatments like ovulation induction may be used along with other options including IVF procedures--which involve retrieving eggs.

The signs of infertility are not the same for all individuals. There is no single diagnostic test to detect this condition, but there is a variety that can help in different ways and at differing speeds. Hormonal imbalance is one of the most common causes which should be detectable through blood tests within 24 hours with urine samples following shortly thereafter if it's still needed. Most other types will take much longer unless they're being observed as part of another health concern such as obesity or diabetes, so these particular cases may require more involvement from your doctor - someone knowledgeable about reproductive medicine who can diagnose you accurately and prescribe treatment accordingly based on what type you have determined by process elimination!

Fertilization of the egg usually takes place with ICSI (Intracytoplasmic Sperm Injection). The fertilized egg, or embryo, goes through an incubation period which is called a culture period.

It is during this period that the embryo goes through several cell divisions, becoming more and more organized until finally, it is ready to be transferred into the uterus.

The goal of IVF or in vitro fertilization is to combine a woman's egg with sperm outside of her body, then have the resulting embryo be implanted into her uterus. This procedure was originally developed to help couples with infertility problems conceive.

The success of this procedure rests on the embryo being transferred at an early stage, which can be done only by means of laboratory monitoring. Today IVF is used in cases where male fertility factors are involved, and when other attempts to achieve pregnancy through traditional methods have failed. It has been shown that IVF is in most cases the best treatment for a successful pregnancy.

Usually, a woman's natural egg and sperm are used to conceive through IVF. A combination of drugs may be given to stimulate ovulation or fertilization might occur after injecting a mature egg (cumulus mass) with sperm directly into the uterus. The following are the possible methods for IVF:

There are many possibilities of combining "traditional" and "non-traditional" ways to help infertile couples conceive. After trying other fertility treatments, which may not always be successful, many couples turn to surrogacy.

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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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