If hand sanitisers kill 99.99% of germs, then who are those 0.01% who survive? There are three major kinds of germs which remain active even when you have used your sanitiser.

Norovirus

Among them, is the norovirus that causes diarrhoea and vomiting outbreaks in places like cruise ships and schools. It is superior to many other viruses because it has a protein capsid, which is resistant to the effects of alcohol.

Norovirus is a group of viruses that causes common illnesses and is also very contagious. It is especially active in the colder month and comes back seasonally. The first norovirus outbreak occurred in Norwalk, Ohio, USA, in a school in 1968, this is where it gets it name from.

Enterococcus faecium

The next on the list is enterococcus faecium, and it lives in the gut. As per a 2024 study titled Enterococcus faecium: evolution, adaptation, pathogenesis and emerging therapeutics, published in Nature journal, it is a Gram-positive bacterium that is a core member of the intestinal microbiota of humans and animals and an opportunistic pathogen that causes life-threatening infections, particularly among hospitalized patients. It mutates in a way that it absorbs carbohydrates and forms a gooey, slime-like substance called the biofilm, which makes it resistant to alcohol.

Clostridium Difficile

Another one is clostridium difficile. This is responsible for causing horrendous diarrhoea and vomiting in hospitalised patients. It also has a remarkable ability to respond to environmental stressors including alcohol gel by going to sleep. It produces spores and allows all metabolic activity.

Clostridium difficile (C. diff) is a type of bacteria that can cause colitis, a serious inflammation of the colon. Infections from C. diff often start after you've been taking antibiotics. It can sometimes be life-threatening.

Why Do You Label Read 99.99%?

Apart from the germs and pathogens, another reason why your label reads that it kills 99.99% is to avoid any legal hassles. If someone uses a specific product and falls sick, then the person cannot sue the company as the company did not give a 100% safety guarantee against the germs.

A better way to be healthy is always to clean your hands with soap and water and wear gloves wherever is possible.

“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)

While entrepreneurs debate 70-hour workweeks and professionals continue to slog through long working hours under relentless productivity pressures, basic health needs often take a back seat. The consequences may not be immediately visible, but the body's vital organs quietly bear the burden.

Among them, the kidneys are particularly vulnerable. Poor hydration, irregular eating habits, excessive caffeine intake, lack of sleep, and chronic stress can gradually damage kidney function without causing noticeable symptoms, potentially leading to serious health consequences over time, said experts on the occasion of World Kidney Cancer Day 2026.

World Kidney Cancer Day is observed annually on the third Thursday of June. Spearheaded by the International Kidney Cancer Coalition, the day raises global awareness about the disease, highlights risk factors, and advocates for early detection and patient support.

Also read: Trying to Quit Tobacco? Yoga Could Improve Your Chances, Suggests Study

How Modern Work Culture Is Harming Kidney Health

The kidneys play a vital role in filtering waste from the blood, regulating blood pressure, maintaining fluid balance, and supporting overall metabolic function.

Speaking to HealthandMe, Dr. L K Jha, Principal Director – Nephrology & Renal Transplant at Yashoda Medicity, pointed out habits such as eating out frequently, inadequate hydration, excessive caffeine consumption, insufficient sleep, and chronic stress that have become routine parts of the workday.

While these behaviors may seem manageable in the short term, they can have significant consequences for kidney health over time. They are also associated with an increased risk of hypertension, obesity, and diabetes, conditions that can gradually impair kidney function. These are also the primary drivers of chronic kidney disease and a significant risk factor for certain kidney cancers.

Dr. Jha emphasized that "kidney diseases are particularly concerning because they often remain asymptomatic until substantial damage has already occurred."

He noted that prioritizing hydration, routine health checkups, regular physical activity, and stress reduction is not only important for maintaining good health but also an investment in long-term well-being and workplace performance.

Kidney Diseases Often Progress Silently

Dr. Saurabh Shukla, Senior Consultant – Nephrology at Paras Health Gurugram, told HealthandMe that the "fast-paced corporate culture is inadvertently contributing to a growing health crisis, with kidney health emerging as one of its major casualties."

He pointed out that kidney-related conditions often progress silently, with few warning signs appearing until serious damage has occurred. Long hours spent sitting, constant workplace pressure, irregular meal schedules, and dependence on caffeine rather than water are quietly affecting the health of working professionals.

He also highlighted habitual dehydration, high-sodium processed foods, and delayed medical checkups as additional concerns.

Early Detection Is Key

From a clinical perspective, Dr. Shukla stressed that early detection is crucial.

"While symptoms such as blood in the urine, persistent lower back pain, unexplained fatigue, or swelling in the legs require prompt medical attention, many kidney conditions are identified incidentally during routine screenings," he said.

Simple Lifestyle Changes

The experts underscored that protecting kidney health does not necessarily require drastic lifestyle changes. They suggested simple measures such as:

• Staying adequately hydrated
• Reducing consumption of processed foods
• Remaining physically active
• Undergoing regular health screenings

Dr. Shukla also emphasized the role of employers, suggesting that corporations should implement wellness programs that encourage healthier habits among employees.

In high-stress work environments, he noted, prioritizing kidney health is becoming increasingly important.