How Health Insurance premium For Obese People Affected?

Do you know, more people die of obesity than 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 excess 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.

Read More

Get ₹5 Lac Health Insurance starts @ ₹200/month*
Tax Benefitup to Rs.75,000
Save up to 12.5%* on 2 Year Payment Plans
7 Lakh+ Happy Customers

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Get insured from the comfort of your home No medicals required
I am a

My name is

My number is

By clicking on ‘View Plans’ you, agreed to our Privacy Policy and Terms of use
Close
Back
I am a

My name is

My number is

Select Age

City Living in

    Popular Cities

    Do you have an existing illness or medical history?

    This helps us find plans that cover your condition and avoid claim rejection

    Get updates on WhatsApp

    What is your existing illness?

    Select all that apply

    When did you recover from Covid-19?

    Some plans are available only after a certain time

     

    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.

    Search
    Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

    Health insurance articles

    Recent Articles
    Popular Articles
    Does Health Insurance Cover Brain Tumour?

    17 May 2022

    The brain is one of the most important organs in your body. It is...
    Read more
    12 Tips to Avoid Common Health Problems During Summers

    12 May 2022

    India experiences a hot and dry summer season that lasts for up to...
    Read more
    Does Medical Insurance Cover Hearing Aids?

    12 May 2022

    The number of people who require hearing aids continues to grow...
    Read more
    Are Accidental Injuries Covered by Health Insurance in India?

    12 May 2022

    Accidents are unpredictable. Getting injured in an accident not...
    Read more
    6 Most Effective Ways to Prevent Viral Fever

    12 May 2022

    A change in weather can bring respite from the scorching summer...
    Read more
    PMJAY Scheme: Ayushman Bharat Yojana Eligibility & Registration Online
    Prime Minister Shri Narendra Modi announced the launch of (PMJAY) Ayushman Bharat Yojana in his Independence...
    Read more
    Best Health Insurance Plans in India 2022
    Finding the best health insurance plan from so many different health insurance companies can get confusing for many...
    Read more
    Best Maternity Insurance Plans
    Maternity insurance offers comprehensive coverage for medical expenses incurred during pregnancy, including the cost...
    Read more
    Best Health Insurance Plans for Senior Citizens in 2022
    Considering the increase in medical inflation in India, buying adequate health insurance for your loved ones has...
    Read more
    10 Major Benefits of Ayushman Bharat Yojana
    Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the second component under Ayushman Bharat Scheme. PM Narendra Modi...
    Read more
    top
    Close
    Download the Policybazaar app
    to manage all your insurance needs.
    INSTALL