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Published on: Aug 03, 2021
2 minute read
By: Second Medic Pulmonologist

What Is Mucormycosis & COVID-19 Associated With Mucormycosis ?

Mucormycosis is a rare but serious infectious disease that can be caused by inhaling spores from the ubiquitous fungi. These organisms, commonly found in soil and composts are also present on fallen leaves or animal dung. Less contagious than other types of infections, mucormycosis mainly affects people who have weakened immune systems because it cannot spread like others that do not need an outside source to enter one's body via open wounds or cuts. Mucoromyces mean "fuzz," which describes their appearance when seen under a microscope with long branching filaments called pseudohistiocysts arising off these branched threads (hyphae).

Mucormycosis is a rare but serious angio-invasive infection caused by ubiquitous fungi. The spores of these fungi can be inhaled and then infect the lungs, sinuses, or extend into brain tissue to cause mucormycosis in people who are immunocompromised. Mucoromyces has been found all over Earth with it mainly affecting those living on farms due to contact from animal dung containing high quantities of this fungus type as well as compost piles where fresh manure falls leaves cover vegetable gardening beds that may have fallen nearby leading most cases occurring near woodland areas such before dorms at college campuses were previously thought responsible for respiratory infections since they might contain bacteria like tuberculosis which also needs oxygenated.

Fungal infections, including mucormycosis, aspergillosis and invasive candidiasis, have been reported in patients with severe COVID-19 or those recovering from the disease and are associated with a high risk of serious illness. India has recently seen an increase in cases that present this way when compared to other countries where these types of fungus thrive. Prevention needs to focus on making sure people who suffer from Covid-19 maintain better glycemic control so they do not develop any fungal infection like Mucoromyces Cerealis (a subtype found more often outside India) which can cause pneumonia if untreated or brain damage if left too long without treatment because it is resistant both systemic corticosteroids/other.

Mucormycosis, an invasive fungal infection that can lead to death, has been reported in patients with severe COVID-19. The Indian government recently noted a surge of cases and the spread of this dangerous condition is attributed largely to poor glycemic control among those living with the disease or recovering from it.

Fungal infections, including mucormycosis and invasive candidiasis, have been reported in patients with severe COVID-19 or those recovering from the disease. India has seen an uptick of cases due to fungal infection caused by COVID-19 along with a surge in people who are severely affected because they were not diagnosed early on while fighting off the virus. Prevention for this type of fungus is increased monitoring when trying to apply systemic corticosteroids/other immunomodulating drugs on these patients just as much as it would be if there was no sign that someone had ARDS (acute respiratory distress syndrome).

Mucormycosis is not contagious and does not spread by contact from person to person. This fungus has been found in the environment, but transmission occurs through inhalation or ingestion of spores from the environment. Although most cases are sporadic, healthcare-associated outbreaks have occurred after the use of adhesive bandages made out wood tongue depressors as well as linens with lackadaisical hygiene standards at hospitals that result in fungal exposure on surfaces like walls and floors which can lead to airborne infection if those areas aren't properly cleaned up soon enough. Mucormicosis primarily affects sinuses or lungs after inhaling spores from air when it's breathed directly into them.

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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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