Early detection can help you save on health cost I

Prevention is better than cure, as they say. The growing health insurance segment bears this truism out, which is witnessing almost 100% claims ratio. Insurers say that some 16 out of every 100 policyholders register claims under the health policy every year. In other words, the cost of treating 16 policyholders is equal to the premium collected from 100. 

Insurers have now discovered that they can make substantial money out of health insurance if they can prevent one out of 100 policyholders from falling ill. To this effect, they are now offering freebies like free health check-ups and discounts on gym memberships to policyholders.

The same financial logic applies to individuals as well. For instance, getting a cavity filled in early will help save several times the amount on a root canal treatment. Most ailments requiring surgery do not occur overnight, but build-up over a period of time and in many cases, can be detected early through regular checks. Doctors say, you almost save up to 50% on health costs with regular check-ups, exercise and balanced diet. The idea is to avoid severe health complications which could also take a toll on your biological as well as financial health.

Monitor BP and sugar levels 
Blood pressure is a function of stress and anxiety rather than heredity. Such cases can be kept monitored through counselling, yoga and meditation instead of direct medication if the BP is not alarmingly high. “You can read the early signals such as a constant headache and body ache. Patients suffering from severe stress and hypertension should get their BP checked at least once every week.

Otherwise, once a month check-up would suffice,” explains Dr T Samuel, a senior medical practitioner. BP test can be done for as low Rs 50 with a general physician. Diabetes is a function of heredity, hence it is better to monitor your sugar levels twice a year if any of the parents or grand parents are diabetic.

Exercise and side-effects 
Join a gym, shake a leg to some music or just go for a brisk walk in the neighbourhood park for half an hour everyday. There are a plethora of exercise options. First, it will help you destress, thereby keeping tabs on your BP. It helps production of high-density lipoprotein (HDL), or “good” cholesterol. It helps you lose weight and maintain an ideal BMI (body mass index) and promote better sleep, leading to a healthier lifestyle.

A cervical or a lower back pain doesn’t sound new to most working professionals who spend 90% of their time sitting in front of the computer. “Just taking a walk every half an hour in the office may sound like a breezy suggestion. But it helps you break the monotonous posture. This combined with regular exercise, good posture and stretches should help the pain ease up,” explains Dr KS Ramakrishnan, a Mumbai–based senior physiotherapist.

Check your oral hygiene 
You don’t have to walk to your dentist only when you develop a cavity or for a root canal. It could be for flossing, threading, crowding of teeth or just a gum check. If your gums hurt or bleed while brushing or flossing, or you experience a persistent bad breath, you should visit a dentist. These could be early signs for persistent dental problems.