Over the past few decades, the obesity rates in India have risen alarmingly. According to the National Family Health Survey (NFHS), the percentage of overweight or obese men increased from 9.3% (NFHS-3) to 22.9% (NFHS-5), while the percentage for women rose from 12.6% to 24.0%. This growing prevalence of obesity not only poses serious health risks but also has serious implications for various socio-economic factors, including health insurance costs.
Since obesity is linked to chronic diseases such as diabetes, hypertension, and cardiovascular conditions, medical expenses for obese individuals tend to be higher. This raises an important question: Is the premium for health insurance for obese adults higher?
Let’s explore the relationship between obesity and health risks, how health insurance premiums are determined, and the factors driving premium increases for obese adults. In addition, you will also discover some practical steps to manage these costs when you buy health insurance.
The Connection Between Obesity and Health Risks
Obesity is a chronic disease defined by an excessive buildup of body fat. It is often calculated using the Body Mass Index (BMI), which measures if a person's weight is proportional to their height.
Here's a range of BMI:
| BMI Range | Weight Category |
|---|---|
| Below 18.5 | Underweight |
| 18.5 – 24.9 | Normal weight |
| 25 – 29.9 | Overweight |
| 30+ | Obese |
A high score on the health insurance BMI calculator signals a greater likelihood of developing conditions such as:
- Type 2 diabetes, Hypertension
- Cardiovascular diseases like heart disease, stroke
- Certain types of cancer
- Osteoarthritis
- Sleep apnea
- Mental health disorders like depression, anxiety, and other stress-related conditions
These conditions require frequent medical interventions, costly treatments, and long-term management, increasing healthcare utilisation. Recognising these risks, insurance providers modify premium rates accordingly for health insurance for high BMI individuals.
How Are Health Insurance Premiums Determined?
Insurance companies evaluate several key factors when calculating health insurance premiums. For obese individuals, some factors have a more significant impact.
Age and Gender
Older individuals generally pay higher premiums due to increased health risks. Men tend to have slightly higher premiums than women due to a greater risk of obesity-related conditions.
Medical History
Pre-existing conditions, especially obesity-related ailments like diabetes and hypertension, increase the premium significantly.
BMI and Lifestyle
A higher BMI signals higher future medical expenses, which raises costs.
Location
The premiums of health insurance in India vary geographically due to changes in healthcare expenses and availability.
Coverage Type
The choice between individual or family health insurance impacts pricing.
In some cases, insurers may require a Pre-policy medical examination to assess your health of Member before issuing a policy. This exam helps determine various risk factors such as obesity, Medical and Lifestyle health Issues/conditions, based on medical lifestyle declarations and deranged medical reports. The results can impact premium rates and eligibility.
Factors Driving Increase in Premium for Obese Adults
Several key reasons contribute to the increased premiums for obese adults, such as:
Increased Medical Costs
Obese individuals may require frequent doctor visits, specialised tests, medications, and hospitalisations. Since insurance providers anticipate these increased expenses, they adjust premium rates of even health insurance plans for families to cover higher medical claim probabilities.
Chronic Disease Management
When considering obesity insurance coverage, it's essential to understand how chronic disease management is factored into the premium. Obesity-related conditions like diabetes and hypertension require lifelong medical attention. The ongoing costs of prescription drugs, regular check-ups, and specialised treatments significantly influence premium rates.
Lifestyle-Related Factors
Lifestyle choices such as alcohol consumption, and a sedentary routine can cause weight gain and further increase obesity-related health risks. Insurers assess these habits when determining the cost of health insurance for obese adults. They may charge higher premiums based on the perceived health risks.
Steps to Manage Premium Costs
While obesity affects insurance premiums, there are proactive steps to manage these costs:
Adopt a Healthier Lifestyle
Losing weight and maintaining a healthier BMI can reduce your health risks and Regular exercise, a well-balanced diet, and weight control measures promote general health while lowering obesity-related medical costs.
Join Wellness Programs
Many insurers offer discounts or incentives on health insurance for obese adults if policyholders participate in wellness programs. These programs may include weight management plans, gym memberships, and regular health check-ups. When comparing the best health insurance in India, check if your chosen policy includes wellness benefits.
Shop Around
The premium prices offered by each insurance vary. Comparing different options might help you choose the best health insurance policy for your circumstances. Use internet platforms to compare several plans and choose the most economical one with the best coverage.
Make a list of documents required for health insurance before applying to streamline the process.
Seek Expert Advice
Consulting an insurance expert can guide you in selecting the best health insurance plan in India and understanding the health insurance claim process.
You can also ask questions to ask before buying health insurance, which will help you select the best health insurance for your needs.
Conclusion
Obesity leads to higher premiums due to increased health risks. However, by adopting a healthier lifestyle, participating in wellness programs, and comparing different insurance options, you can manage your costs.
If you are looking for comprehensive health insurance that covers obesity-related conditions, consider health insurance with Universal Sompo. We offer Health Insurance coverage for individuals with a high BMI subject to our Underwriting guidelines
Take charge of your health and secure your future today!
FAQ
In most circumstances, insurance companies do not refuse coverage because of obesity. However, they might charge higher premiums or exclude diseases related to obesity. Some insurers sometimes require a medical exam before approval.
Obesity is a risk factor for the majority of however, not all policies push rates. Health insurance for those with a high BMI is frequently more expensive because of increased medical bills.
Weight loss may help reduce premiums over time. under Wellness program, Some insurers offer discounts if policyholders improve their BMI or participate in wellness programs. However, changes may not be immediate and subject to product specific underwriting guidelines.
Certain insurers offer obesity insurance coverage that includes weight management programs, bariatric surgery, and related treatments. Compare different options for health insurance for obese adults to find the best coverage for your needs.
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