What Is the Effect of BMI on Term Insurance Plan Premiums?

What Is BMI?

What Is the Effect of BMI on Insurance Premiums?

How Are BMI Scores Categorised?

Based on the scores, BMI can be classified into four groups:

  • Underweight
  • Normal weight
  • Overweight
  • Obese

The range of scores that determine the categories are as follows:

BMI Score


Below 18.5


18.5 to 24.9

Normal weight

25.0 to 29.9


30.0 and above


Should You Buy a Term Insurance Plan if Your BMI Is High?

FAQs about the Effect of BMI on Term Insurance Plan Premiums

Do insurance providers only use BMI as a health indicator to calculate premiums?

No, BMI is one of the many important criteria insurance companies use. They mainly include your age, occupational hazard, family history of medical conditions, and lifestyle factors such as tobacco use, alcohol consumption, etc.

What is the normal range of BMI for males and females?

The average BMI score varies depending on your age and sex. However, the range lies broadly between 18.5 and 24.9.