BMI Calculator

BMI Calculator is one of the easiest ways of determining if a person is overweight, underweight, normal weight, or obese. It is calculated by dividing your weight in kilograms to the square of your height in meters. If you are looking to secure your family fiancially by purchasing a term life insurance, your BMI value is an important factor to consider. This is because your BMI values can greatly affect not only your health but also the premium rate for a term insurance policy. 

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Let us see what are the benefits of using a BMI calculator in India and its impact on your term insurance premium rate, but first, let us understand what is a BMI calculator.

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 is different in men and women but the BMI value remains the same in both. 

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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 does not only indicate your total body fat but also includes bone weight and muscles.

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

Benefits of Using a BMI Calculator

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

  • Accurate Results: The BMI calculator online 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 BMI calculation can help you and your doctor figure out the expected health risks and take appropriate precautionary measures. 

How To Calculate Your BMI?

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

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

BMI Chart

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

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Let us understand this with an example if a man is 1.70 m tall and weighed 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 read the same results as BMI is a measurement of a person's excess body fat.

Health Risks Associated with Being Overweight and Underweight

Let us take a look at the different health-related risks that come with being overweight and underweight:

Health Risks
Overweight  Underweight
High Blood Pressure Anemia
Heart Conditions Vitamin deficiency
Type 2 Diabetes Malnutrition
Cancer Osteoporosis
Stroke Hormonal imbalance

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 plan online to find the plan with the most-suitable premium rate and large life cover.


  • 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.

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