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How Health Insurance premium For Obese People Affected?
- DetailsWritten by PolicyBazaar -
- Hits : 4144 -
Modified 15 November 2016
Do you know, more people die of obesity than of starvation? According to WHO’s world health statistics report for the year 2012, one in six adults is obese. Obesity continues to rise throughout the globe. India is not far behind either. As a matter of fact, we are on the verge of witnessing an obesity epidemic. Obesity is a medical condition in which excessive fat accumulates in the body. Scientifically, those with a BMI of 30 or above are considered to be obese. If someone's BMI lies between 25 and 29.9, then he/she is considered to be overweight. BMI (Body Mass Index) is calculated as the ratio of body weight to body height.
Health Insurance Premium For Overweight People
There is no single cause of obesity. Rather, multiple factors are involved such as genetic predisposition, disbalance in metabolism, sedentary lifestyle and to a greater extent, junk food. No wonder 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!
Thanks 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 borne numerous exclusions on your plan. More importantly, 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 incite 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, 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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