How Does Obesity Affect Health Insurance Premiums?

Obesity is slowly growing as a major health concern across the globe. According to WHO’s 2012 World Health Statistics report, one in six adults is obese. Generally, a person is considered obese if excess fat accumulates in the body or if the BMI is 30 or above. Not only obesity leads to several diseases but also impacts your health insurance premiums adversely. Read on to know more.

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      Health Insurance Premium for Overweight People

      There is no single cause of obesity. Rather, multiple factors are involved such as genetic predisposition; misbalance in metabolism, sedentary lifestyle and to a greater extent, junk food. No wonder the junk food industry is doing very well all over the world. Obesity, in turn, is itself a cause of many conditions and complications like diabetes, hypertension, heart problems, respiratory problems, angina and so forth. It is not very difficult to guess, life expectancy is short in obese individuals. Insurance underwriters keep this in mind while summing up the premium. The rhyme to remember is, the more you weigh, the more you pay!

      Thank god, obesity or overweight is not considered to be a condition that would stop an insurer to give you a cover but as an obese, sure there's a price to pay. Not only you'll have to compromise on the coverage but you'll also have to bear numerous exclusions on your plan. More importantly, the insurance plan for obese is set at a dramatically higher rate compared to normal individuals. It's still easier to find XL sized tee that fits, but to find an insurance cover that fits the needs of obese individuals is a herculean task.

      How Health Insurance Premium is affected Due to Obese

      If you are an overweight individual, the health insurance premium imposed on you can weigh you down. Having to pay high premiums might invite you to hit the gym and bring your BMI down but that's for the long term. For the short term, you'll have to bear the high premium. One thing that you can do to save on premium is to buy the plan via online insurance portals. Every health insurance company has its own measures of perceiving the risks of insuring an overweight individual. Hence, the coverage and prices offered to differ substantially from one insurer to another. It seems only wise to get and compare quotes on an online insurance portal before going for a plan. Comparing quotes online makes sure; you get your hands on the best health insurance coverage.

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