Overview

BMI (Body Mass Index) is a numerical figure that is calculated using the height and weight of an individual. The BMI is indicative of the overall health of an individual and will determine if you are healthy or not, considering your weight. The BMI value is calculated by using a universal formula as mentioned below:

The BMI helps determine your health according to your height and weight, but it is important to remember that this value can be misleading.

A high BMI value means that the bodyweight of the individual is high which could mean the individual is overweight or even suffers from obesity.

High BMI and Insurance

Insurance providers offer insurance to individuals on a risk involved basis. This means that the higher the risks involved in providing you with an insurance policy, the more reluctant are the insurance providers about providing you with insurance cover.

It is important to remember that a high BMI value in itself is not a huge medical issue but the condition can essentially lead to the development of other medical conditions that could be severe.

There is a couple of medical information that the insurance providers will need to know before they can offer you an insurance policy. They mostly ask for the following details:

  • Your weight
  • Your height
  • Your dress size or waist circumference
  • If you have any other medical condition.

How to buy income protection insurance with high BMI?

Income protection insurance for individuals suffering from obesity or have high BMI values can be tricky and will have to be placed with an insurance provider who specialises in similar cases.

It has been observed that purchasing income protection insurance with obesity is more difficult than purchasing regular life insurance or any other insurance policy. This is because of the high probability that a claim will be made in the future for income protection. Having a pre-existing medical condition only increases this probability.

The high BMI value can lead the policy-holder to develop various medical conditions, that could render him/her unable to work and filing for an income protection claim, though it is still possible to purchase income protection insurance at a non-standard rate of premium.

In case you have a BMI of 40 or above, it is advised that you contact a specialist before filing for insurance.



We would recommend you to talk to one of our advisers for life insurance quotes.
Any quote that your adviser provides you with will take into account your circumstances, your medical history, as well as your budget!
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