BMI calculator
Body Mass Index is a quick screening number that insurers use as a starting point during underwriting. This tool computes BMI from height and weight and explains where you sit on the standard bands.
BMI calculator
Your BMI directly affects insurance premiums — know your number.
Height (cm)
170 cm
Weight (kg)
70 kg
Your BMI
24.2
Normal weight
Ideal weight range
53–72 kg
for your height (170 cm)
Insurance impact
Optimal range — best premium rates.
You qualify for standard or preferred rates with most insurers.
BMI is one of several factors used in underwriting. Ethnicity, waist circumference, and health history also play a role. Always declare your accurate weight when buying a policy.
How this is calculated
- Inputs you provide: height in centimetres and weight in kilograms.
- BMI is weight divided by the square of height in metres.
- Underweight is below 18.5, normal is 18.5 to 24.9, overweight is 25 to 29.9, obese is 30 and above.
- Insurance underwriting often loads premium or requires additional tests if BMI is in the obese band.
- BMI does not distinguish between fat and muscle, so athletes can show high BMI without health risk.
Common questions
- Does BMI alone decide my premium?
- No. Insurers look at BMI alongside blood pressure, lipid profile, blood sugar, family history, and lifestyle. BMI is just an early indicator.
- What if my BMI is high but I am fit?
- Mention your fitness routine and any recent medical reports during proposal. Some insurers can offer standard rates with supporting evidence.
- Can BMI lead to claim rejection?
- Not by itself. Claims fail mainly on non-disclosure. As long as your BMI and related conditions are declared honestly, the policy stays valid.
- How often should I recheck BMI?
- Once or twice a year is enough. Sudden changes are more important to your insurer than absolute level.