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    Body Mass Index: Impact on Term Insurance Premium

    Decoding BMI: A Journey from Fitness to Insurance Insights

    Last Updated On 18-12-2023

    Meet Kabir, a fitness enthusiast dedicated to a healthy lifestyle. Recently, Kabir joined a renowned gym. Little did he expect that his journey to a sculpted physique would introduce him to a three-letter code – BMI.

    Body Mass Index (BMI) helps individuals gauge their health by comparing body weight and height. Most health conditions have an impact on weight, and calculating the BMI value serves as a nifty way to identify potential health risks.

    As Kabir explored workouts and made mindful food choices, he uncovered the subtle relationship between exercise, nutrition, and how maintaining a healthy body mass index is not only important from the health perspective but also for term insurance . Like Kabir, it is essential for all of us to understand how body mass index (BMI) impacts insurance premiums.

    Use BMI calculator online to check your BMI now.

    BMI Chart

    For individuals aged 20 and above, the BMI chart has the following categories:

    BMI Range Weight Status
    Below 18.5 Underweight
    Between 18.5 and 24.9 Normal Weight
    Between 25 and 29.9 Overweight
    Between 30 and 35 Obesity
    Over 35 Severe Obesity

    Evaluating Health for Insurance Premiums

    With a basic understanding of the BMI concept, let’s dive into the world of life insurance policy plans now. It is essential to note that a range of factors play an important role here. It's more than just a numerical game; it's about understanding the intricacies of your well-being and how it translates into your insurance coverage.

    Body Mass Index (BMI)

    As we just learned, BMI is not just about pounds and inches; it's a fundamental factor categorising you as underweight, normal, overweight, or obese. Insurers often use BMI as a lens to foresee potential health risks.

    Let’s understand this relationship:

    A higher BMI can indicate certain health conditions and the potential for frequent hospital visits related to weight-related issues. Conversely, a person with a lower-than-average BMI is also deemed less healthy, as they may have an underlying illness indicated by the lower weight range.

    Extreme BMI values suggest a higher likelihood of frequent hospital visits due to poor health, resulting in increased medical expenses for the insurance company.

    However, it is essential to note that BMI isn’t the sole factor that insurance companies assess. Many other factors play an important role in this decision-making process. Some of them are:

    • Age: With each passing year, the likelihood of health issues takes centre stage, impacting the overall risk profile. It’s a crucial factor that is taken into consideration.
    • Family Medical History: Your family's health story holds the secrets of genetics. Insurers pay attention to this family history - it's like a health report card for everyone related to you.
    • Lifestyle Choices: Tobacco and Alcohol Use: The things you choose to do everyday matter in the insurance world. If you smoke a lot or enjoy a few too many drinks, insurers take note. They may change their prices based on these choices – it's like your lifestyle paints a picture, and insurers adjust their rates accordingly.
    • Blood Pressure Levels, Cholesterol, and Chronic Conditions: Your blood pressure, cholesterol, and any long-term health issues are like extra chapters in your health story. Each bit of information helps insurers understand more about your health and decide how much your insurance should cost.

    A Quick Token of Advice

    When it comes to life insurance, transparency is your partner. Disclose your health status with accuracy – the highs, the lows, and occasional health occurrences such as any body aches. Your openness ensures fair premium calculations and forms the bedrock of a relationship with insurers built on trust and mutual responsibility for sustaining good health.

    So, as you step into the realm of insurance, remember, it's not just about protecting yourself; it's about actively shaping your future.

    Conclusion

    BMI plays a role in the insurance narrative but is not the sole protagonist. A single factor doesn't dictate your eligibility; it's a collective tale of various health aspects.

    We urge you to adopt a comprehensive approach as you explore the insurance landscape. BMI isn't just about health; it can also affect our money and future plans.

    But don't worry, there's a solution. Taking proactive steps like getting life or critical insurance can be like a safety net. It helps protect your life plans from unexpected twists caused by health issues.

    As you embark on the journey to better health, remember that it's an ongoing process. While risks may be part of life, securing your future shouldn't be a gamble. Explore PNB MetLife insurance plans that adapt to your needs, providing security for you and your loved ones.

    Related Article:

    Explanation of Term Life Insurance

    Right Age to Buy a Term Insurance Plan

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    Disclaimer:

    The aforesaid article presents the view of an independent writer who is an expert on financial and insurance matters. PNB MetLife India Insurance Co. Ltd. doesn’t influence or support views of the writer of the article in any way. The article is informative in nature and PNB MetLife and/ or the writer of the article shall not be responsible for any direct/ indirect loss or liability or medical complications incurred by the reader for taking any decisions based on the contents and information given in article. Please consult your financial advisor/ insurance advisor/ health advisor before making any decision.

    PNB MetLife India Insurance Company Limited Registered office address: Unit No. 701, 702 & 703, 7th Floor, West Wing, Raheja Towers, 26/27 M G Road, Bangalore -560001, Karnataka
    IRDAI Registration number 117 | CIN U66010KA2001PLC028883

    Terms & condition apply, Benefits stipulated are subject to premiums paid and policies in-force. For more details on risk factors, please read the sales brochure and the terms and conditions of the policy, carefully before concluding the sale. Tax benefits are as per the Income Tax Act, 1961, & are subject to amendments made thereto from time to time. Please consult your tax consultant for more details. Goods and Services Tax (GST) shall be levied as per prevailing tax laws which are subject to change from time to time. The marks "PNB" and "MetLife" are registered trademarks of Punjab National Bank and Metropolitan Life Insurance Company, respectively. PNB MetLife India Insurance Company Limited is a licensed user of these marks. Call us Toll-free at 1-800-425-6969, Phone: 080-66006969, Website: www.pnbmetlife.com, Email: indiaservice@pnbmetlife.co.in or Write to us: 1st Floor, Techniplex -1, Techniplex Complex, Off Veer Savarkar Flyover, Goregaon (West), Mumbai – 400062, Maharashtra. Phone: +91-22-41790000, Fax: +91-22-41790203.

    Beware of Spurious Phone Calls and Fictitious / Fraudulent Offers!
    IRDAI is not involved in activities like selling insurance policies, announcing bonus or investments of premium. Public receiving such phone calls are requested to lodge a police complaint.

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    As your trusted life insurance partner, PNB MetLife is with you amidst the current COVID-19 outbreak. Our policies also cover COVID-19 Claims. In case of a Death Claim, kindly submit the signed Claim Intimation Letter mentioning the policy number, brief of the insured event and other claim documents on the email mentioned herewith. Please write-in to us at claimshelpdesk@pnbmetlife.com or indiaservice@pnbmetlife.co.in. You can also call us on 1800-425-6969 for death claims intimations and for any queries on Monday - Saturday between 10:00 am - 7:00 pm.

    PNB MetLife Insurance, amongst the trusted Life Insurance companies in India, aims to provide a wide range of Life Insurance products that suits the needs of an individual at every stage of his life. Life Insurance Plans range from Term Life Insurance PlansTerm PlanProtection PlansLong Term Savings Plans , Retirement Plans & Child Education Plan.

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