Body Mass Index Scale |
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BMI below 18.5 | Underweight |
BMI between 18.5 and 24.9 | Healthy |
BMI between 25 to 29.9 | Overweight |
BMI of 30 or over | Obese |
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Why is BMI important?
A Body Mass Index (BMI) in the Obese range can increase the probability of contracting the following chronic conditions and diseases:
- Diabetes
- Hypertension
- Heart Disease
- Stroke
- Cancer
Insurers take BMI into consideration when deciding whether or not to offer life, TPD, trauma or income protection cover. Sometimes if an individual’s BMI is in the obese range a premium loading will be applied to reflect their increased risk profile. Those individuals who have a BMI above 40 may struggle to obtain cover.
There are an increasing number of insurers who offer premium discounts for a healthy BMI. This includes discounts at the beginning of a policy and also rewards for maintaining a healthy BMI during a policy’s term. Find out how much you can save.