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BMI helps the insurance company ascertain your health condition and determine the risk of health issues and mortality. A healthy body mass index implies that your premiums will be likely lower than someone with a high body mass index.
Age and gender do not matter when calculating BMI for adult men and women as they have the same ideal ranges. However, it should be noted that generally adult women tend to have a higher percentage of body fat as compared to men.
When you buy a health insurance plan, the insurance company decides the premiums for your health insurance plan as per the risk associated with your life. This means that if you are a healthy individual, you are likely to pay lower premiums for your health insurance plan as your risk of health issues or mortality is low. Alternatively, if you are a person who is not healthy, you might have to pay high premiums owing to the increased health or mortality risk.
In this regard, BMI helps the insurance company ascertain your health condition and determine the risk of health issues and mortality. A healthy body mass index implies that your premiums will be likely lower than someone with a high body mass index.
You can lower the premiums for your health insurance plan, provided you make some lifestyle and dietary modifications and get your body mass index level in the appropriate range.
Your body mass index affects your term insurance plan like it affects your health insurance plan. When you buy a term plan, the insurance company asks you to undergo several medical tests to determine your health status. One of the vital checks is regarding your weight. Your BMI helps the insurance company determine the level of risk associated with your life and determine your term plan premiums. If you have a high body mass index, term insurance plan premiums will likely be higher, owing to the high risk of health issues and mortality. Alternatively, if you have a healthy BMI value, you will most likely pay lower premiums for your term insurance plan. A person with a normal BMI will probably live longer than one
who has a high BMI level. Hence, the chances of claim in the first case are
lower than the latter.
As per the WHO body mass index references, the ideal BMI for men is between 18.5 and 24.9. A body mass index in this range indicates that the person is healthy and is not overweight, obese or underweight. A body mass index below 18.5 indicates that the individual is underweight and should follow appropriate diet and exercise modifications to get the BMI in the normal range. Alternatively, men who have a body mass index above 24.9 are considered overweight, and those with BMI over 30 are obese. The health risks in people who are overweight or obese are significantly high. These people need to consult a doctor or a nutritionist to get their BMI values in order.
Moreover, men with a greater or lesser BMI value are more likely to feel a lack of energy, fatigue and sluggishness. This can further increase their health complications. To get your BMI in the ideal body mass index range, keep a tab on your weight and take a proper diet. Also, regular BMI check-ups can help you monitor your body mass index. In case of deviations, seeking timely doctor consultation can help avoid several health issues.
The ideal BMI for women is the same as the BMI for men. For adults, BMI is a function of height and weight. Hence, there is no role of gender. So, ideal BMI for men and BMI for women are the same. For women, a BMI index between 18.5 and 24.9 is normal, 25 to 29 is overweight, and over 29 is obse. Alternatively, women with a body mass index lower than 18.5 are considered underweight.
That said, generally, women have a higher percentage of body fat as compared to men. Studies have confirmed that some gender-related factors cause men to have a higher BMI value than women. This is also why women are assigned low calories than men per day. Moreover, in some cases, BMI values up to 32 could be normal in women. But this does not mean that their body mass index calculations or readings change. The ideal body mass index for men and women is the same.
Here is a chart with the ideal BMI for adult men and
| Weight in Kgs/Pounds
||Height in Feet and Inches|
|5 ft.||5 ft. 3 inches||5 ft. 6 inches||5 ft. 9 inches||6 ft.|
For adults, the body mass index calculated from the BMI formula is interpreted using a reference table. The interpretation of BMI for men and BMI for women is through the same body mass index chart.
As per WHO, BMI values below 18.5 are underweight. If the body mass index of a person is between 18.5 and 29.5, then the person is healthy. However, deviations of body mass index below and above this range indicate health risks. A body mass index between 25 and 29.9 indicates that one is overweight, and a body mass index beyond 30 is obesity. For clinical purposes, obesity can be divided into three categories:
· Class 1 : BMI between 30 and 34.9
· Class 2: BMI between 35 and 39.9
· Class 3: BMI above 40
Globally, nearly 1.5 million adults (approximately 34% of the total world adult’s population) are overweight or obese. This number will likely reach 3 billion by 2030. This is highly alarming. The risk of developing health issues, such as chronic heart diseases, diabetes, etc., rises sharply for BMI values above 21. This also means there is a high of death of people with such serious health ailments.
Calculating BMI for children is as important as calculating body mass index for adults. By knowing the body mass index of your child, you can assess if your child is growing normally. Moreover, if the BMI values of the child are high or low, you can take preventive measures to avoid any health issues that may arise in the future.
Calculating and reading BMI for children is different from adults. This is because the body fat in children changes as they grow and is influenced by their gender. The BMI calculator for children divides the child's weight (in kilograms) by the child's height (in metres squared) and further multiplies the total result by 703.
The BMI values from the BMI calculator are interpreted with the gender and age of the child. When assessing the BMI for children, the BMI value of each child is matched with the percentiles of other children of the same age and gender.
The BMI range according to percentages and percentiles, is:
· Less than the 5th percentile: Underweight
· Above the 5th but lower than the 85th percentile: Normal weight
· Above 85th percentile but lower than the 95th percentile: Overweight
· BMI more than or equal to the 95th percentile: Obesity
As per this BMI chart, if your child has a 25th BMI percentile, then they are in the normal weight range. Also, the child’s weight is higher than 25% of the children of the same age. The BMI percentile is assessed in correspondence to the gender of the child.
BMI is used to measure overweight and obesity because it is easy to calculate, and the various online BMI calculators can determine your BMI in 2-3 minutes without any fee. Even though body mass index calculators are not an accurate diagnostic tool, they can help screen for potential weight-related problems in adults and children. Body mass index values act as a primary indicator of any health issue. If the BMI value is below or above the normal BMI range, the doctor or health professional can then take specific steps, such as:
· Conduct the skinfold thickness test to know the precise level of fat in the body
· Evaluate diet and physical activity
· Assess family history of heart issues and related health risks
. Conduct required health screenings to identify, minimise or prevent any possible health ailments
If the BMI check indicates overweight, several health risks could potentially affect an overweight person. Being overweight has the following effects on your body:
· It makes the heart function harder than otherwise required.
· It raises blood pressure levels along with blood cholesterol and triglyceride levels.
· It lowers the high-density lipoprotein (HDL), also known as good cholesterol levels.
· It increases the risk for diabetes and other health issues.
As per studies, being overweight can increase your risk of the following health conditions:
· Type 2 diabetes
· High blood pressure
· Heart issues
· High triglyceride
· High blood pressure
· High cholesterol levels
· Lower good cholesterol levels
· Coronary heart issues
· Heart attack
· Insulin resistance
· Gall-bladder issues
· leep apnea
· Skin issues like darkening of the skin, pigmentation, etc.
· Respiratory problems
· Varicose Veins
· Bladder incontinence
· Clinical depression
· Specific types of cancer such as breast cancer, gall bladder cancer, endometrial, colon cancer, etc.
· Poly-cystic ovarian disease in women
· Fertility issues
. Menstrual irregularitie
On the other hand, carrying extra weight as a child of teenager can also cause significant health problems that can go on into adulthood. In children, high BMI values indicating obesity increase the risk of heart issues, diabetes, sleep apnea, etc. Further, overweight and obese children can also be affected by asthma, low self-esteem and psychological stress.
If your BMI check indicates a lower BMI value than the normal range, you might be underweight. Even though there is a lot of focus on the health effects of being overweight or obese, it is also critical to know the health risks related to being underweight. Some of the health risks associated with being
· Osteoporosis because of Vitamin D and calcium deficiency
· Poor immunity or lower ability to fight any infections
· Increased risk of complications after a surgery
· Fertility issues
· Irregular menstrual cycles
· Hormonal imbalances
· Growth and development issues – physically and mentally. This is more common in teenagers and younger children.
Low BMI levels can indicate underlying health issues like anorexia. If your BMI check indicates a low BMI level, it is good to consult a doctor.
Body mass index (BMI) is the ratio of a person’s mass or body fat calculated by dividing their height into feet and inches by their weight in kilograms. It is an indicator of an individual’s body fat with their height and weight. The ratio arrived at shows whether a person’s weight falls in a healthy/ normal range, underweight range, or overweight and obese ranges.
The BMI formula is kg/M2 or kilogram per metre square. It is simple and inexpensive to calculate your BMI, and you can do it offline or online. To calculate your BMI by yourself, take the square of your height in feet and inches and divide it by your weight. You can do this on a piece of paper or use a calculator. Or you can the BMI calculator online available on various BMI calculating or medical websites. Ensure that the website you use the body mass index calculator on is reliable. Enter your height squared and weight, and the BMI calculator online will calculate the ratio for you.
However, to understand whether you have a normal BMI, you must refer to the numbers on the BMI chart. For both men and women, the general BMI range is similar. A BMI between 18 and 24 is normal, between 25 and 30 is overweight, and above 30 is obese. A BMI below 18 is underweight, below 15 is severely underweight, and above 40 is severely obese. You can use these numbers to see which category your BMI is in.
A body mass index calculator calculates a person’s body fat/ mass levels in relation to their weight and height. As weight is generally tied to health, a BMI calculator online sheds light on men’s and women’s health levels. It helps them understand and work towards a moderate weight per their height. Some of the best benefits of using a body mass index calculator are:
Most importantly, the BMI calculator motivates an individual to move towards a healthy weight and a normal BMI gradually. It helps them move towards making diet, lifestyle, and workout modifications with more clarity.
A person’s body mass index or BMI is measured in relation to their height and weight using the simple BMI formula. The BMI formula is kg/ M2. This BMI formula falls under the metric mode of calculation and is generally followed in India. The other mode, called the imperial mode, involves calculating BMI through pounds or lbs. You can calculate your BMI by yourself on paper or with a calculator.
Or you can use a BMI calculator online that will give you instant and accurate results. However, to understand what your BMI measuring indicates, you have to refer to the BMI reference chart. The BMI ranges are similar for both men and women. Here is how you can decode the numbers:
You can use these numbers to see which category your BMI is in. Your BMI indicates your body fat or mass per your height and weight. But more than numbers, BMI sheds light on whether you are at risk for weight-induced diseases like type-2 diabetes, hypertension, stroke/ heart attack, osteoarthritis, and others. It makes you aware if you need to move towards a more moderate weight ideal for your height.
BMI or body mass index is the ratio of a person’s body mass/ fat in relation to their weight and height. To come to this ratio, there is a standard metric or imperial BMI formula. In India, a body mass index calculator follows the metric system. The calculation and BMI formula for both men and women are the same. When it comes to the ideal BMI or a healthy BMI for men, there is only a standardised ideal that applies to all men irrespective of age, race, body type, and other aspects prevalent.
The BMI can point towards an unhealthy weight and the risk of developing underlying weight-related conditions like type-2 diabetes, blood pressure, arthritis, and others. However, the BMI formula is very straightforward and doesn’t account for the minute differences in bodies. For men, an increase in muscle mass increases their overall weight on the scale, but that doesn’t mean they have gained unhealthy fat. An increase in muscle mass can be read as overweight using the conventional BMI formula.
But that does not mean you are actually overweight. Ultimately, the body mass index calculator is a one-size-fits-all approach and is a good generalised indicator of health.
The ideal or normal BMI for women is the same as the normal/ healthy BMI for men. The BMI calculator and the BMI reference chart ratios are the same for men and women. Here is the reference chart for women:
However, like men, the BMI formula doesn’t account for the differences in women’s bodies in relation to other women and men. Women’s bodies are more diverse and work on different parameters when compared to men. For instance, women tend to accumulate more abdominal or visceral fat than men, especially as they age. So, while her BMI might be in the healthy range, a woman gaining fat only in her midsection is prone to more weight-related diseases like type-2 diabetes, heart disease, hypertension, and the like.
Moreover, if the woman is muscular or lifts weights, her weight might read as overweight, but the BMI calculator women will not be able to distinguish the two, and mostly she will be healthy. However, as the BMI formula indicates the standardised normal BMI for the average woman, it is a reliable way to move towards a moderate weight and a healthier life.
The BMI for kids is different from the BMI for women and men. The BMI calculator by age for children differs from the one used for women and men. As the weight and height of children change rapidly, especially in their teenage years, the standard adult BMI calculator does not apply. For kids, BMI gets calculated using age and the corresponding body percentile. This percentile then corresponds to the BMI charts used by a doctor or paediatrician of the child.
Generally, every country has its own BMI chart for kids. For instance, in India, one of the most accurate BMI charts for kids comes from the Indian Academy of Paediatrics. The standardised BMI chart, according to the academy, indicates the BMI ranges for both girls and boys between the age of 6 to 18 years:
Weight is more complex than it appears. Apart from diet and lifestyle, many underlying factors influence a person’s weight. These factors include genetics, the presence of chronic/ acute illnesses, the influence of stress, and your environment, among others. However, as a general model of assessment - your body mass index, age, weight, and height, are used to determine how much they should ideally weigh.
As a preliminary step, doctors use the BMI formula and the body mass index calculator to assess if someone is healthy or at a moderate weight. To know how much you should weigh according to your height and age, you can check the standard BMI reference chart. BMI is a standardised model of measuring a person’s body mass/ fat in relation to their weight and height. Age is not considered in the BMI formula/ calculation.
For adults, the BMI chart starts from 5 feet and 45kgs and goes up to 6.4 feet and around 98kgs. There is no BMI calculator by age. Within this chart, you can check for the numbers showcasing your BMI. To understand if you have a normal BMI or weight per your height, you have to first calculate your BMI through the BMI calculator. Enter your weight in kgs and height in metre square. Then, take the number you arrive at and refer to the chart ratios:
BMI calculation is the calculation of your body mass index or body fat with respect to your height (in metre square) and weight (in kilograms). You can calculate it through the BMI formula of kg/ M2. The BMI calculator indicates what a healthy BMI for men and women is. It checks the body mass levels and detects whether it is normal BMI, underweight, overweight, or obese.
Doctors use the BMI calculation method as a first check or preliminary inspection of a person’s health. As it is quite accurate and works for the majority, it is a standardised way of assessing the healthiness quotient in someone. BMI calculation is crucial to maintain your health and work towards a moderate weight.
Once you know your BMI, you can understand your health on an overall level. If you are within a normal BMI range, you can continue to maintain your health. But if you are underweight, overweight, or obese, the BMI calculation can motivate you to modify your diet, lifestyle, and exercise habits. It can make you realise the increased risk of weight-induced ailments like type-2 diabetes, blood pressure, cardiac disease, anxiety, depression, and several others. Moreover, it makes you realise the importance of consulting your doctor and instils the habit of regular medical check-ups.
While it is good to embrace that people are in all shapes and sizes, it is wise to work towards being healthy. The definition of healthy might vary from person to person, depending on their genetics, environmental stressors, and underlying ailments. But there is a significant amount you can do to maintain your health or a healthy BMI.
BMI or body mass index is the ratio arrived at after dividing your weight with your height in M2. It indicates the level of body fat percentage you have. BMI calculation is one of the most standardised and preliminary forms of checking someone’s health level. The core purpose of measuring BMI is to assess whether your weight poses an increased risk for weight-related ailments. That is why it becomes essential to maintain a healthy BMI.
A healthy or normal BMI for women and men is the same and lies between the range of 18.5 to 24.9. Anything below that is underweight and above that is overweight or obese. To maintain or come to this normal range, you can make various diet, lifestyle, and workout changes. Generally, eating within your calorie range and eating healthier, whole-grain foods is better. Any form of moderate to high-intensity exercise for about 60 to 90 minutes 3 to 4 days of the week is vital. For women, additional steps like balancing their hormones and regular movement are crucial.
Body mass index or BMI is the ratio of a person’s body fat percentage in relation to their weight and height. It is calculated by dividing weight by height in M2 and points to one’s health level. The ratio arrived at is correlated with the standard BMI chart and is used to assess one’s risk towards weight-related ailments.
The BMI chart is the same for both men and women. Apart from affecting your health, BMI also affects the price of life insurance premiums. If you have a normal BMI, chances are your life insurance premiums will be lower than those with a BMI that is underweight, overweight, or obese. To understand how the BMI ratio affects your health, you have to refer to the BMI chart. The BMI chart says:
To ensure your premiums are less, you must maintain a BMI within the normal BMI range, that is, from 18(.5) to 24(.9).
Body mass index or BMI is the ratio of a person’s body fat percentage in relation to their weight and height. It is calculated by dividing weight by height in M2 and indicates one’s health level by assigning a ratio. This ratio falls within different BMI ranges and is the same for men and women. To understand if BMI affects your health, you have to refer to the BMI chart.
Typically, a BMI range from 18 to 24.9 is a normal BMI. Anything below is underweight and above is overweight or obese. But while BMI affects your quality of health, it also comes into play while buying life insurance. As BMI is a reliable indicator of one’s health levels, life insurance companies use it as a method to decide the cost of a life insurance policy. They use a BMI calculator for life insurance. So, if you fall within the normal BMI range, your premiums for a life insurance plan will be lower than those with a higher or lower BMI ratio.
The reason behind charging lesser premiums for those within the normal BMI range is simple. As they are healthier than those overweight or underweight, the need for medical assistance is lesser. This reduces the chances of them claiming the life insurance policy and, in turn, reduces the life insurer’s liability. If you are overweight or underweight, you might have to frequent the hospital more often for weight-related complications. To cover those costs and higher risk, your life insurance plan becomes costlier.
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