Many of us may have taken ibuprofen, sometimes two pills at once, especially when we are struggling with menstrual cramps. Well, as good these pills may be in treating the pain, they are not recommended for your health, especially if you are someone who consumes it on a daily basis or frequently. Gastroenterologist Trisha Pasricha, MD, writes in The Washington Post about why should you avoid taking nonsteroidal anti-inflammatory drugs, or NSAIDs, such as ibuprofen, naproxen and aspirin.

What happens when you consume pain killers?

She writes that NSAIDs are great in treating short term pain. They comprise of a group of drugs that inhibit the production of prostaglandins, which serve as a variety of purposes in the body. Some of which also includes contracting the uterus during menses and regulating blood flow in our vessels.

While one to two doses every now and then is okay, following a regular dosage routine, which could range from several times a month, or twice in an hour or so could lead to health risk. NSAIDs are well known to increase intestinal permeability. This means, these painkillers could damage the lining of your gut.

A 2018 review by Ingvar Bjarnason et. al., also writes about how NSAIDs can reduce the blood flow in the tiny vessels that feeds our guts. It can also disrupt the intestinal cells forming a barrier between the outside world and your insides.

What can be done?

While people with conditions like migraines, chronic back pain or bad period cramps can find NSAIDs to be helpful. It is always advisable to have a chat with your physicians to explore NSAID alternatives.

Pasricha suggests acetaminophen.

However, if someone is in dire need of NSAID, her tip is to take the pill right at the start of your symptoms. She says that the drug can do a far better job at stopping things at the source than chasing after all prostaglandins.

Why is it a concern?

NSAIDs are available as over the counter drug, which means people do not need a prescription for it and can make medical decision about them without the guidance of a physician.

A 2018 study published in the Official Journal of the International Society for Pharmacoepidemiology by David W Kaufman, et.al., found that 15% of adult ibuprofen users in the US have exceeded the maximum recommended daily dose. The study also mentions that more than a third of ibuprofen users were taking other NSAIDs, like aspirin and naproxen, while consuming ibuprofen at the same time. Out of these, 61% did not realise that they were using NSAIDs.

Pasricha talks about how it ruptures the gut wall, as she herself has rushed to the hospital in the middle of the night "far more times than" she can count "to perform an emergency endoscopy on someone who was bleeding profusely from an ulcer caused by NSAID".

Another 2009 study published in the American Journal of Gastroenterology states that as many as 1 in 4 chronic NSAID users will get an ulcer and about 4% will bleed or rupture through the gut wall.

An older study from 2005 titled A quantitative analysis of NSAID-induced small bowel pathology by capsule enteroscopy, found that as 75 percent of people regularly using NSAIDs develop low-grade inflammation in their small bowels. NSAIDs can also lead to development of fatty liver disease. This happens because your gut lining becomes more permeable, more toxins and bacteria from the outside world enters your liver and leads to inflammation.

A 2011 study titled Haemoglobin decreases in NSAID users over time: an analysis of two large outcome trials, states that as many as 6% of people taking NSAIDs regularly have found their blood count dropping within a few months of starting the medicines, this suggests that this is due to the small, slow amount of bleeding in the gut overtime.

Even though Sickle Cell Disease (SCD) affects thousands of families across the country, it continues to remain one of India's most under-recognized health challenges.

The National Sickle Cell Elimination Mission, launched in 2023, has brought renewed focus to the disease, with the goal of reducing the incidence of new sickle cell disease cases to zero by 2047.

The mission has largely focused on prevention and supportive care, but a comprehensive 360-degree approach is still missing, Dr. Gaurav Kharya, Clinical Lead, Centre for Bone Marrow Transplant & Cellular Therapy, Senior Consultant, Pediatric Haematology, Oncology and Immunology, Indraprastha Apollo Hospitals, New Delhi, told HealthandMe.

“The current framework does not adequately address patients who continue to suffer from severe sickle cell disease despite receiving optimal supportive care,” Dr. Gaurav said.

“Such patients may be candidates for curative approaches such as bone marrow transplantation and, in the future, gene therapy. At present, bone marrow transplantation remains the available curative option,” he added.

Dr. Gaurav noted that for decades, treatment focused primarily on controlling symptoms and managing complications. The mission led to free genetic screening cards, lifestyle counseling, and access to symptom-managing medication.

"While these measures remain important, advances in stem cell and bone marrow transplantation have changed the treatment landscape for selected patients”.

The Sickle Cell Mission does not currently address transplant support or provide specific directives to state governments regarding curative treatment.

“The impact of these interventions can be life-changing. Children who once depended on repeated hospital visits, blood transfusions and constant medical care may be able to look forward to healthier and more independent lives after successful treatment,” Dr Gaurav said.

The expert called for “incorporating support for curative therapies and allocating dedicated funding could strengthen the program and create a truly comprehensive approach that focuses equally on prevention, supportive care and curative treatment”.

Achievements of Sickle Cell Mission

India contributes a significant proportion of global sickle cell births every year, making it a major public health concern.

The disease is particularly prevalent in several regions of India, especially among tribal and underserved populations in states such as Madhya Pradesh, Maharashtra, Chhattisgarh, Gujarat, Odisha and Rajasthan.

One of the major achievements of the Sickle Cell Elimination mission has been bringing attention to a disease that had long remained neglected. Previously, policy-making, implementation, and fund allocation for sickle cell disease in high-burden states were limited.

The mission has brought a strong focus on sickle cell disease, prompting states with a high disease burden, including Madhya Pradesh, Chhattisgarh, Odisha, Gujarat and Maharashtra, to actively work on policy-making and implementation.

The primary objective of the mission has been prevention. Dr. Gaurav told HealthandMe that prevention can only happen when individuals know their sickle cell status and whether they carry the gene responsible for the disease.

“Once identified, individuals can receive counselling on how the disease can be prevented. Proper genetic counselling can help families understand the risks associated with passing the condition to future generations,” he said.

Following the implementation of the mission, large-scale screening programs have been conducted, particularly in high-burden states. These efforts have led to the identification of significant numbers of people with sickle cell trait as well as individuals with homozygous sickle cell disease.

Another key objective of the mission is to provide optimal supportive care to patients. Many patients have been linked to nearby Primary Health Centers (PHCs) and Community Health Centers (CHCs) to ensure access to regular medicines and supportive treatments such as hydroxyurea. Associated genetic counselling has also been initiated as part of these efforts.

To help reduce the number of children born with severe disease, Dr Gaurav urged for further boosting

• awareness of carrier status,
• access to genetic counseling
• wider implementation of screening programs.

What Is Sickle Cell Disease?

Sickle Cell Disease is an inherited blood disorder that affects the shape and function of red blood cells. Instead of being round and flexible, the red blood cells become sickle or crescent-shaped, making it difficult for them to move smoothly through blood vessels.

This can lead to severe anemia, recurrent episodes of pain, infections, organ damage and, in some cases, life-threatening complications such as stroke or acute chest syndrome.

The impact of Sickle Cell Disease extends far beyond physical symptoms, Dr Gaurav said. Children living with the condition often experience repeated hospital visits, missed school days and limitations in daily activities.

Parents frequently face emotional distress, financial strain and the challenge of managing a lifelong medical condition.

Why Early Diagnosis Matters

Dr Gaurav said that one of the biggest challenges is that many children are diagnosed only after symptoms begin to appear. Early screening can help identify affected infants before serious complications develop, allowing doctors to initiate preventive care and monitor the disease more effectively.

Newborn screening programs, regular follow-ups, and access to specialized care can significantly improve the quality of life and reduce the risk of long-term complications, the expert told HealthandMe.

“Sir, this insurance company has a claim settlement ratio of more than 98%. It’s damn safe! Go with this health insurance policy…”

Most people hear such assurances from their friends or insurance agents and sigh with relief before they plan to buy a health insurance plan. But wait! Is knowing the claim settlement ratio sufficient?

A common notion about health insurance companies is, “The higher the CSR, the more reliable the insurance company. The lower its CSR, the less will be its trustworthiness.” However, this is an incomplete rationale.

The CSR alone can’t tell you everything about a health insurer's credibility; you need to dive deeper into many other key aspects.

This article will make you aware of why judging the worthiness of a health insurance plan based on an insurer’s claim settlement ratio can be a blunder.

What Does The CSR Tell About The Health Insurance Policy?

The Claim Settlement Ratio (CSR) of a health insurance company primarily indicates the percentage of claims an insurer settles.

Here is the formula to calculate the CSR:

CSR = (Total Claims Settled/ Total Claims Received ) × 100

A common belief is that higher CSR signals a more reliable company, while lower CSR indicates less trustworthiness.

However, this is not a universal truth. Several other factors determine an insurer's reliability.

4 Ways Your Health Insurer’s CSR Might Mislead You!

While the Claim Settlement Ratio (CSR) indicates the percentage of claims an insurer settles, relying on it solely can be misleading because it fails to capture critical aspects of the customer experience, service quality, and financial stability.

Here’s how CSR conceals vital facts about a health insurance company, misleading the policyholders:

1. Hides turnaround time (TAT)

The CSR does not reveal how long it takes for a claim to be processed and paid. A high CSR could belong to an insurer that takes months to settle claims, leading to significant financial stress for the policyholder during a medical emergency.

2. Ignores the quality of settlement

The CSR only measures whether a claim was settled or rejected, not the amount that was paid out. A claim might be approved, but if a large portion is partially denied due to sub-limits or exclusions, the policyholder still faces high out-of-pocket costs. Policyholders now demand a comprehensive breakdown and rationale for every claim decision, especially partial denials.

3. Doesn’t reflect claim-transparency

A high CSR doesn't guarantee a good claims journey. Policyholders now want to know the real-time claim status, just like an ‘Uber cab-style’ tracking of their claim status. They expect clear communication and transparency in hospital billing at negotiated rates. Opaque processing, even with a high final settlement, erodes trust.

4. Claims served, and claims settled.

Very often, health insurance companies highlight the number of claims processed in a year as a major milestone. An ordinary buyer is led into the illusion of a prestigious business journey by the insurance company and finalizes enrolment in its health insurance plan. Wait for a while to know the concept!

Total served annually is the number of claims the health insurer receives in a year, much like daily footfall at a popular store or mall. It doesn’t tell you how many claims were actually settled out of it.

So, next time you look for a health insurance policy, don’t get disillusioned with the flowery language and heroic claims of claims settlement. Ask the insurance agent for every detail mentioned above about the insurance policy.

What Are The Parameters Of A Reliable Insurer, Apart From CSR?

Insurers and experts advise focusing on a combination of metrics for a complete assessment of an insurer's performance:

1. Incurred Claim Ratio (ICR)

Unlike CSR, which tracks claim volume, ICR offers a financial view by comparing total claim payouts to premiums collected. A healthy ICR proves insurers aren't overcharging or risking solvency, fostering long-term trust in their financial stability. An ideal ICR ranges from 50% to 80% shows that the insurer is using a fair share of premiums to pay claims, reflecting financial stability and a commitment to policyholders.

2. TAT for cashless claim settlement

In accordance with IRDAI regulations, health insurers are required to adhere to specific turnaround times for claim settlements, after all necessary documentation has been submitted:

● 1 hour for cashless pre-authorization,

● 3 hours for processing cashless discharge requests, and

● 15 days for the settlement of reimbursement claims.

3. Grievance redressal speed

Customer loyalty largely depends on how quickly the insurer resolves disputes. Top-tier health insurance companies aim to resolve 95% of complaints within 3 working days.

These are some of the crucial parameters that decide the credibility of a health insurance policy. You must verify these aspects to ensure the safety of your premiums invested.

How Are Health Insurers Making Their Plans More Reliable?

Leading health insurers are now making their plans more reliable by shifting focus beyond the CSR to redefine customer care, by focusing on achieving the following aspects:

● Proactive and personalized engagement: Using predictive analytics for anticipatory support, offering dedicated health concierges for complex issues, and tailoring support based on the member's life stage.

● Seamless digital integration for self-service: They are achieving this by integrating all interactions into a single digital platform (app/web portal), and ensuring transparent, paperless, real-time claim tracking.

● Incentivizing wellness: Actively promoting incentivized wellness programs, implementing systematic post-hospitalisation follow-up to reduce readmissions, and using data to initiate proactive, preventive care interventions.

● Empathy and human-centric design: Employing highly trained, empathetic agents for quick issue resolution, and using continuous feedback mechanisms like Customer Satisfaction (CSAT) and Net Promoter Score (NPS) to improve procedures.

With the above strategies, health Insurers are transforming from just policy payers to wellness partners for policyholders’ healthcare journeys.

Wrapping Up

When choosing a health insurance policy, relying solely on the CSR is an incomplete and potentially misleading approach. A truly reliable insurer must be judged on a combination of financial and service metrics.

Today, the excellence of health insurance providers is measured by their ability to offer proactive support.

This includes providing seamless digital self-service options, promoting wellness through incentivized programs, and managing every interaction with genuine empathy and human-centric design.

Kidney cancer has traditionally been considered a disease that primarily affects older adults, with most cases diagnosed in individuals over the age of 60. However, clinicians are increasingly encountering younger patients diagnosed with kidney cancer, raising questions about whether the disease profile is gradually changing.

Although kidney cancer remains relatively uncommon in young adults, it is not unheard of. Large surgical series have found that only about 5% of renal cell carcinoma (RCC) patients are younger than 40 years.

A study from the Cleveland Clinic reported that 3.4% of RCC cases occurred in individuals aged 20–40 years, while several reviews have estimated that approximately 3.4–7.5% of RCC cases are diagnosed before the age of 40. While these numbers remain relatively small, they highlight that kidney cancer can occur in younger populations and should not be considered a disease of older age exclusively.

Why Are More Young Adults Being Diagnosed?

Several factors may be contributing to earlier diagnoses. Rising rates of obesity, hypertension, and metabolic disorders among younger populations are emerging as important concerns. These conditions are well-established risk factors for kidney cancer and are being observed at increasingly younger ages. Additionally, lifestyle factors such as smoking, sedentary behavior, and unhealthy dietary habits may also contribute to long-term cancer risk.

Another reason for the apparent rise in younger diagnoses is the increased use of imaging technologies. Today, many kidney tumors are detected incidentally during ultrasounds, CT scans, or MRI scans performed for unrelated medical concerns. As a result, cancers that may have otherwise gone unnoticed until later stages are now being identified earlier and in younger individuals.

Genetic predisposition is another important consideration. Compared to older patients, younger individuals diagnosed with kidney cancer are more likely to have an inherited genetic syndrome or a strong family history of the disease. This highlights the importance of genetic counselling and evaluation in select cases.

Challenges With Kidney Cancer

One of the challenges with kidney cancer is that it often remains silent in its early stages. Symptoms such as blood in the urine, persistent back pain, unexplained weight loss, or fatigue may appear only when the disease has progressed. This makes awareness and timely medical evaluation particularly important.

Although there is currently no recommendation for routine kidney cancer screening in the general population, maintaining a healthy weight, controlling blood pressure, avoiding tobacco use, and seeking medical attention for persistent symptoms can help reduce risk and support early detection. As the health profile of younger populations evolves, greater awareness of kidney cancer among young adults may become increasingly important.

(By Dr. Vikram Kalra, Principal Director - Nephrology and Kidney Transplant, Aakash Healthcare Multi-Speciality Hospital, Dwarka)