The Body Mass Index (BMI) measurement is used to determine the body fat in an individual. The calculations are done based on one’s height and weight. In fact, a BMI calculator is used to calculate the value and the tool is readily available online.
The BMI value gives us a general idea of one’s healthy body weight. While there are people who are in the average weight range, a significant number still fall under the overweight/underweight category. Knowing the BMI will help people to maintain healthy body weight and mitigate future health risks.
However, BMI is not an accurate measurement and has its limitations. In this section, we will be discussing the advantages and disadvantages of using BMI measurement.
The benefits of BMI measurement are as follows -
Much like any other body fat measurement technique, BMI is equally flawed and has drawbacks. These disadvantages include -
Since the BMI value helps determine the body fat in an individual, it allows doctors to mitigate any health risk arising from the same. On the other hand, above-average BMI means that you are obese, which can affect your health insurance and term insurance premiums.
Since obesity can lead to near-future health issues, you will be considered as a high-risk applicant when buying health insurance and term insurance plans in India. So, that increases the probability of you raising claims in the future. Hence, the insurance premiums for a high-risk applicant will be relatively high compared to a low-risk applicant.
As mentioned earlier, BMI is not an accurate tool to measure the health of an individual. However, we do not have an alternative technique that is cost-effective. The available ones are quite expensive and not easily accessible by everyone. Hence, BMI is still widely used to determine the health of an individual.
What’s important is to note that BMI is one of the many factors that affect a person’s health. Other factors that need to be taken into consideration include lifestyle habits such as drinking alcohol and smoking, diet, and genetics. Based on these aspects, the overall health of a person can be determined.
If you are looking to calculate your BMI measurement, use the BMI calculator available on Finserv MARKETS.
While you are at it, browse health insurance and term insurance plans at Finserv MARKETS online. It takes only a few minutes to have yours and your family’s medical needs covered in case of emergencies with a comprehensive health insurance plan. And to secure the financial future of your loved ones, even in your absence, take a look at the term insurance plans as well.
No matter what your insurance-related needs are, Finserv MARKETS has your back!