You Are the Only Asset in Your Portfolio With No KPIs

Are annual health checkups actually preventive, or are they simply early detection systems that nobody follows up on?

Vikram asked himself this question only after eight years of sealed envelopes and “no significant abnormality” summaries…. and his answer is one I think every CEO, HR head, and senior leader running a corporate wellness programme should read.

– Dr Anupam Gaur

The Story of Vikram Malhotra

Patient Review — Vikram Malhotra | Centre for Optimum Health
VM
Vikram Malhotra
CEO, mid-size manufacturing conglomerate · 52 · Gurugram
Managing 4,200 employees across 6 locations
✓  Corporate bioterrain programme · Pre-event intervention · Executive health

I have spent the better part of twenty-five years building systems for reading data. I run a company with 4,200 employees across six facilities. I can look at a production dashboard, identify a bottleneck in a 12-step supply chain, and project its downstream consequences before my operations team has even scheduled a review. I am, professionally, someone who watches trends. Someone who acts on early signals before they become crises. I am paid specifically for this.

I did not apply any of this to myself. Not once. For eight consecutive years.

What was on my annual health dashboard — 8 years running
8
consecutive years of corporate health checkups
0
times anyone reviewed year-on-year trends across those reports
6
early bioterrain signals documented, unremarked upon, filed away

Every January, my company’s HR team organised an executive health camp. Two hundred senior leaders went through a full day of investigations — ECG, echocardiogram, blood panel, ultrasound abdomen, pulmonary function, the works. We received our reports in a sealed envelope. Most of us flipped to the last page — the summary — read “no significant abnormality detected,” and filed the envelope in a drawer. We had been responsible. We had done the checkup. We moved on.

This is what I mean when I say we have built an elaborate system for making people feel they are doing something, while ensuring nothing is actually done with what is found.

“Your annual health checkup is not a preventive health programme. It is an early detection programme — and a poorly executed one at that, because nobody is reading what is detected. Detection without interpretation is not medicine. It is paperwork.” — Dr. Anupam Gaur, in our first consultation

I came to Dr. Gaur not because I was unwell. I came because my executive coach — a man I respect enormously and who has known me for a decade — said to me in a session: “Vikram, you optimise everything in your world except yourself. You are the only asset in your portfolio you have no KPIs for.” It was said gently. It landed hard. I booked an appointment with Dr. Gaur the following week.

What happened in that first consultation I was genuinely unprepared for. Dr. Gaur asked me to bring every health report I had. I brought eight years of sealed envelopes. Most had never been fully read — including by me. He opened them one by one, chronologically, and did something no doctor had ever done before: he read them as a dataset.

Eight years of annual reports — what was found, and what was done with it
2016
Ultrasound abdomen: “mild fatty infiltration of liver noted”
Filed. No action.
2017
Echo: “Grade 1 diastolic dysfunction. Left ventricular relaxation mildly impaired.”
Filed. No action.
2018
Fatty liver upgraded to “mild-to-moderate.” hs-CRP: 3.8 mg/L (borderline elevated)
Filed. No action.
2019
Echo: diastolic dysfunction unchanged. Uric acid: 7.1 mg/dL
Filed. No action.
2021
Triglycerides rising trend noted. Fasting glucose: 102 mg/dL (pre-diabetic range)
Filed. No action.
2024
All findings reviewed together as connected trajectory for the first time
First action taken.

When Dr. Gaur laid those findings out in sequence on his desk, I experienced something I can only describe as the professional equivalent of being shown a supply chain failure you caused — and realising you had the data to prevent it all along but never connected it to the outcome.

“Diastolic dysfunction” had appeared in two consecutive echocardiography reports. I had read neither. On the one occasion a junior doctor at the health camp had mentioned it verbally, I had asked: “Is it serious?” He had said: “Grade 1 is mild. We’ll keep an eye on it.” Nobody kept an eye on it. There was no system for keeping an eye on it. The camp was over. The reporting doctor had three hundred envelopes to close before lunch.

Diastolic dysfunction, Dr. Gaur explained to me, is not a minor footnote in an echocardiography report. It is the heart’s first visible signal that the surrounding biological terrain — the microvascular environment, the metabolic state, the chronic inflammatory burden — is deteriorating. It is the sensor going off. Grade 1 is early. Grade 1 is the optimal time to intervene. Grade 1 documented in 2017, ignored until 2024, is a seven-year window that was left open and unattended.

“Fatty liver, mild” — three words in an ultrasound report that most people, including most physicians interpreting a routine health camp, treat as background noise. What those three words actually mean, when understood through a bioterrain lens, is that the liver is already accumulating metabolic stress — insulin resistance is active, lipotoxicity is building, and the hepatic environment is beginning to shift toward a state that will, if left unchanged, progress. “Mild” is not reassuring. “Mild” is early. Early is when you act.

This experience gave me three questions I have not been able to stop asking — professionally and personally.

?
Are annual health checkups actually preventive — or are they just early detection programmes that nobody follows up on? Detection without a system for interpretation and action is not prevention. It is documentation.
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Why do companies spend crores annually on employee health camps, when the data generated sits unread in sealed envelopes? If I ran a business intelligence system that generated reports nobody read, I would shut it down and redesign it. Why do we accept this in healthcare?
?
Why are terms like “Grade 1 diastolic dysfunction” and “mild fatty liver” documented in clinical reports but communicated to patients as “nothing to worry about”? These terms mean something. They mean something specific. The problem is that nobody is trained, or incentivised, or given enough time, to explain what.

I raised the third question directly with Dr. Gaur. He was characteristically precise in his answer. “These findings are not being misreported,” he said. “They are being correctly identified and incorrectly contextualised. A cardiologist seeing Grade 1 diastolic dysfunction in isolation, in a 45-year-old with no cardiac symptoms, has no strong mandate to act on it aggressively — because in isolation, it may not progress. What is missing is the framework that places it in context: alongside the fatty liver, the rising hs-CRP, the visceral fat accumulation, the pre-diabetic fasting glucose. Individually, each finding might be watchable. Together, they are a trajectory. Nobody is assembling the trajectory.”

That is the job CFOH does. Assemble the trajectory. And then do something about it.

My understanding of health before
Annual checkup = prevention done
“Normal” summary = nothing to act on
Fitness = gym attendance + step count
Fatigue = workload, sleep debt, stress
Reports are for doctors to interpret
Healthy = absence of a diagnosis
My understanding of health now
Annual checkup = data. Bioterrain review = prevention
Trending findings are signals, not noise
Fitness = metabolic function + terrain quality
Fatigue = a bioterrain signal worth investigating
Reports are a dataset. Trends tell the story
Healthy = terrain that resolves, regenerates, recovers

The programme Dr. Gaur designed for me was not about treating a disease. I did not have one — not yet, not by any conventional diagnostic criterion. It was about reading the trajectory and changing it before it arrived at a destination. Metabolic rehabilitation, mitochondrial support, microvascular health, liver terrain reversal, inflammatory resolution. Serial testing to track the terrain, not just the symptoms. Eight months in, the fatty liver has reduced. The diastolic function has improved. The hs-CRP is in the low-risk band for the first time in six years. The fasting glucose is no longer in the pre-diabetic range.

What I found most striking, honestly, was not the clinical improvement. It was the cognitive shift. I now read my own health reports the way I read a business dashboard — looking for direction of travel, not just current position. Mild fatty liver trending to moderate over two years is not “mild.” It is a trajectory. Diastolic dysfunction appearing at 45 and persisting at 47 is not “Grade 1.” It is a worsening trend in a measurable bioterrain marker. These are not reassuring findings in a sealed envelope. They are early signals in a system that can still be corrected.

I have also since redesigned our company’s executive health programme. We now have a physician who reviews every senior leader’s reports longitudinally — year on year, trend by trend — and flags anything that is moving in the wrong direction, even if it is still technically “within normal range.” It costs a fraction of what we spend on the camps themselves. It is the only part of the programme that is actually preventive.

I spent twenty-five years building systems that watch for early signals and act on them before they become failures. I needed Dr. Gaur to show me that I had never built that system for myself — and that the data to do so had been sitting in my desk drawer for eight years.


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