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BMI Calculator

According to WHO (World Health Organization), an increase in weight and obesity results in a significant health risk. As per their report, about 4 million individuals die every year due to complications arising from being obese and overweight. Obesity is continually rising in children and adults. BMI is an important parameter to determine the body fat level. 

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But, do you know whether you fall in the range of healthy weight or not? BMI calculators can solve this problem. BMI Calculator is one of the easiest ways to determine whether a person is overweight, underweight, normal, or obese.

Let us see the benefits of using a BMI calculator in India, but first, let us understand what BMI and BMI calculators are.

What is BMI Calculator?

BMI Calculator is an online tool that is used to calculate the Body mass index of individuals. It indicates the body fat content by using the person’s height, and weight. The ideal weight range differs in men and women, but the BMI value remains the same in both.

This BMI tool requires you to enter your weight and divide the value by the square of your height. The result helps you to understand if your Body mass index is in a healthy range as per the corresponding range of BMI. For most of the adults, the range of BMI is between 18.5 and 24.9. For children between 2 years to 20 years, the BMI calculator takes age and gender into consideration with weight and height.

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What is Body Mass Index (BMI)?

Body Mass Index (BMI) is a parameter used to check if a person is an appropriate weight for their height. If a person weighs more or less than the recommended weight for their height they may be considered overweight or underweight respectively. This means that the person has a higher risk of developing health issues in the long run. The body mass index indicates your total body fat and includes bone weight and muscles.

Let’s say, that a short and tall person might have the same weight but have different BMIs. The BMI of the taller one will be on the healthier side than the person who is short in height. This is due to the fact that the weight of the taller person is more suitable as per the stature. However, the shorter one who has the same range of weight is more likely to be obese or overweight.

Let us see the benefits of using a BMI calculator in India:

How To Calculate Your BMI?

Computing BMI through a BMI calculator is easy. You can use a BMI formula or enter the required values in BMI calculators available online on Policybazaar. In order to calculate the BMI, you will need to:

  • Have a weighing scale and measure your body weight.

  • Measure your height in inches and feet. Stand against a wall and then mark your body height. Then, use a scale to measure the height.

After determining the values, you can get the result by following the steps mentioned below:

  • Multiply your body height by height (Height X Height)

  • Then divide your body weight by the value that comes from the first step

You can calculate your BMI manually using the BMI calculator formula stated below:

BMI = Your weight (in kg) / (height x height) (in m)

**You can use Policybazaar BMI calculator to check your BMI and reduce human errors.

ICON - Click here to know your BMI

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BMI Chart For Adults and Children

BMI for Adults

The ideal BMI for men and women should be as follows:

BMI Range Weight Status
Below 18.5 Underweight
18.5 - 24.9 Normal Weight
25 - 29.9 Overweight
30 - 35 Obese
Over 35 Morbid Obesity

**The BMI range remains the same for men and women. No separate BMI calculators are there for men and women.

BMI for Children

The body fat changes with age in the case of children. Also, it is normal for teenage girls to have more body fat than boys. BMI for children will be calculated with the same formula as adults. However, the value is plotted on a standard gender-associated BMI for age charts (of percentile) for children. This BMI calculator chart determines the weight status of children compared to children having same age and gender.

For instance: A BMI of 25th percentile for a 6 year old girl child would indicate that the weight of a chils is higher than 25% of girls of 6 years.

Let’s understand the BMI calculation with the help of an example:

if a man is 1.70 m tall and weighs 67 kgs, then according to the BMI calculation formula, his BMI will be

BMI = 67 / (1.70 x 1.70) = 23.18

According to the BMI chart, the man falls within the normal weight range and thus would be considered a healthy person. The BMI calculator for men and women will givethe same results as BMI, which is a measurement of a person's excess body fat.

Health Risks Associated with Being Overweight and Underweight

Excess body weight results in various health complications, some can be fatal. High BMI i.e., above 25 is related with incresed risk for some diseases such as:

Type II Diabetes Cataract Cardiac illnesses
High Triglycerides Varicose veins Heart Stroke
High Blood Pressure Urge to urinate frequently Gall bladder- associated problems
High levels of LDL and low levels of HDL cholesterol Specific types of cancer such as colon, breast, gall bladder, liver, kidney Insulin resistance
Osteoarthritis Clinical depression and other mental disorders Sleep apnea
Breathing problems PCOD in women Hemmorhage

What are the Main Risks of being Underweight?

If your BMI is less than 18.5, then it can be because of the following reasons:

  • Deficiencies of Vitamin

  • Less immunity

  • Anaemia (low count of RBCs, and less capacity to carry oxygen)

  • Osteoporosis

Benefits of Using a BMI Calculator

Here is a list of all the benefits of using a BMI calculator India online:

  • Accurate Results: The online BMI calculator provides you with accurate results every time you use it.

  • Saves Time and Effort: The BMI calculation is done in just a few seconds and saves you the time and effort required to calculate the BMI manually.

  • Easy to use: The BMI calculator online is easy to use and can give results anytime and anywhere.

  • Health Issues: The calculations from BMI calculator can help you and your doctor figure out the expected health risks and take appropriate precautionary measures.

Impact of BMI on Your Term Insurance Policy

Let us see how does BMI affect term insurance in India.

The BMI of a person directly affects their term insurance premium rates as various insurance companies in India offer higher premiums for individuals with a high BMI value. This is because as your BMI increases so does your risk of getting serious health issues like type 2 diabetes and heart conditions. Similarly, if you are underweight there may be certain health conditions that may arise in the long run. You will most likely be offered a term insurance plan at the most affordable premium rate if you fall within the normal weight range. Therefore it is always better to compare and buy term insurance plan online to find the plan with the most-suitable premium rate and large life cover.

Note: Know what is term insurance first and then buy a term plan for your loved ones.

Wrapping It Up!

In conclusion, using a BMI calculator is a valuable tool when considering term insurance. It helps individuals understand how their weight and overall health may affect their insurance premiums and eligibility. By maintaining a healthy BMI, you can potentially secure more favorable term insurance rates and ensure financial protection for your loved ones. Calculating from BMI calculator for men and women is based on the BMI charts available on WHO website. However, remember that other factors also influence insurance premiums, so it's essential to consult with an insurance professional to make informed decisions about your coverage.

Note: Check out the best term insurance plan in India and choose one that suits your requirements.


  • Does life insurance look at BMI?

    Ans: Yes, many companies take a look at your BMI value before offering you term and life insurance plan premium rates. Most companies increase their premium rates by a certain fixed percentage if your BMI falls under 18.5 or over 25.
  • What is the BMI limit for life insurance?

    Ans: Insurance companies may offer you term plans with no loading on their premiums if you do not have any pre-existing conditions and are within 18.5 to 25 BMI value.
  • Does BMI affect insurance premiums?

    Ans: Yes, BMI along with other factors like age, family medical history, and lifestyle habits like smoking and drinking affect your term plan premium rates.
  • Is BMI reliable?

    Ans: BMI calculation formula can be used to calculate your weight-to-height ratio in the simplest way, but it does have certain limitations. It does not take your age or gender into account thus it does not give customized results based on your lifestyle.
  • How can I calculate my BMI?

    Ans: Calculating your BMI (Body Mass Index) is simple. Just divide your weight in kilograms by the square of your height in meters. The formula is: BMI = weight (kg) / (height (m))^2. You can also use online BMI calculators or mobile apps, where you input your weight and height, and it calculates your BMI instantly. Remember that while BMI is a useful indicator of your overall health, it doesn't account for factors like muscle mass, so it's best used in conjunction with other health assessments. Always consult with a healthcare professional for a comprehensive evaluation.
  • How is BMI measured?

    Ans: BMI is calculated by dividing your weight in kilograms by the square of your height in meters using the formula: BMI = weight (kg) / (height (m))^2.
  • How to calculate the term insurance premium online?

    Ans: You can easily calculate the term insurance premium online by using the term insurance calculator online tool

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