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Health Insurance For High Bmi

Health Insurance for High BMI

Health Insurance for High BMI protects you and your loved ones against the most common lifestyle diseases. It provides financial assistance to pay your medical bills for treatment and medication.

  • No Pre-policy Medical Check-ups
  • Life-long renewability
  • Free Look Period of 15 days
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38 Lakh+
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Over the years, obesity has turned out to be a global health issue and is also becoming a prevalent health concern in India. The country known for malnourishment now ranks in the top 5 countries known for obesity and high Body Mass Index. People with high BMI have to face severe health problems, as it results in obesity and high BP. If you are prone to lifestyle diseases and already experiencing issues related to BMI, secure yourself with Health Insurance for High BMI to protect your savings from last-moment emergencies.

What Does BMI Mean?

Body Mass Index (BMI) is a term used to describe a person’s weight in kilograms divided by the square of height in feet or meters. A high BMI indicates overweight or obesity in a person, resulting in health issues; however, it doesn’t help diagnose a person's health or body fatness.

How is BMI Measured and Determined?

BMI is a term usually used by health practitioners to categorise obesity in people. It is measured by calculating the ratio of the average body weight to the average body height. If your body mass index is 30 or higher, you will be considered obese. Although BMI has its exceptions, it is an indicator to give you a wake-up call for the health risks of obesity it may pose.

Some exceptions include bodybuilders and athletes with higher BMIs, but they have low body fat and are not obese as they have muscles instead.

Another method of evaluating obesity is to measure the waist circumference. Experts suggest that if you have fat around the waist area, you are more likely to develop obesity and health conditions arising due to obesity. Women with over 35 inches of waist and men with over 40 inches of waist are at significant risk.

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Health Insurance for Diabetes, High BMI and Hypertension

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What is the Healthy BMI for an Individual?

In order to understand healthy and unhealthy BMI, one should be aware of the range of their BMI. If your BMI is-

  • Below 18.5- You fall under the underweight category
  • Between 18.5-24.9- You fall under the healthy weight category
  • Between 25-29.9- You fall under the overweight category
  • Between 30-39.9- You fall under the obese category
  • If your BMI falls between 18.6 and 24.9, you are considered healthy regardless of gender.

Health Risks for High and Uncontrolled BMI

Uncontrolled or high BMI leads to endless lifestyle diseases. Being equipped with insurance coverage for obesity treatment can help you in medical emergencies occurring due to high BMI. The lifestyle diseases that take place due to high BMI are-

  • Heart Diseases and Stroke
  • Type 2 Diabetes
  • Cancer
  • Gallbladder Disease
  • Arthritis
  • Gout
  • Sleep Apnea

It has been observed that not only youngsters but also adults can fall prey to diseases mentioned above due to high BMI, so all those adults should secure themselves with Care Freedom- Health insurance for obese adults. This plan would ensure to stand by your side and help you financially during any medical emergency.

What Causes High BMI?

Causes of obesity are plenty, but there are a few common causes that one needs to keep a check on. Following are some of the most common and contributing factors that are necessary to prevent obesity:

Genetics- The distribution of fat could also be influenced by the genes from the parents. In this case, even if you exercise and turn food into energy, control your appetite and burn calories, you would still have body weight due to genetics. If obesity runs in the family, there could also be a reason that they have similar exercise and eating routines.

Lifestyle Choices- Your lifestyle significantly affects your health. An unhealthy diet and sedentary lifestyle lead to weight gain, as an imbalanced diet doesn’t involve fruits and vegetables but just fast food and junk. Inactivity also has to do a lot with obesity, as consuming more calories daily is easier than burning off by performing daily chores and exercises.

Moreover, alcohol and other calorie-dense drinks like sugary soft drinks can also contribute to weight gain.

Certain Medications and Health Conditions- High BMI or obesity in some individuals could be linked to specific health conditions such as Prader-Willi syndrome, Cushing syndrome, etc. Inactivity can result in arthritis as well, which can cause weight gain. Besides health conditions, certain medications can also lead to weight gain if there is no activity while consuming medications such as anti-seizure medications, antidepressants, beta-blockers, diabetes medications and antipsychotic medications.

Other Factors- Apart from the factors mentioned above, other factors directly affect your health and weight. Factors such as withdrawing smoking, sleep deprivation or lack of sleep, pregnancy and stress. These factors can be taken care of once you start making healthy changes to your overall lifestyle, from exercise to diet.

BMI Health Insurance

If you are someone who has been living a life without eating mindfully or leading a sedentary lifestyle, you are most likely to experience high levels of BMI. An imbalanced lifestyle takes a toll on millions of people yearly as it calls for lifestyle diseases such as diabetes, high BMI & hypertension, directly resulting in critical illnesses such as heart strokes.

High BMI and health insurance are correlated as the treatment cost of diseases caused by high BMI can exhaust your savings if you don’t have a financial backup. At Care Health Insurance, we aim to lower the financial loss of individuals with specific pre-existing ailments. Your health status cannot deter you from opting for a health plan to access quality healthcare services at leading network hospitals. We introduce "Care Freedom"- BMI Medical Insurance, which is a unique, sought-after  BMI healthcare insurance as it provides financial freedom to patients undergoing expensive treatments and speeds up their recovery.

Features of BMI Healthcare Insurance

Care Freedom- Health insurance for high BMI features a complete healthcare shield that meets all the medical needs of overweight individuals and diabetic and hypertension patients. Whether you face an emergency or require routine consultations, it covers all the standard medical expenses for treating these pre-existing diseases.

Key features of BMI health insurance include:

Cashless Healthcare Facility: At Care, you enjoy the advantage of our cashless network of over 22900+ healthcare providers, wherein you can quickly settle your treatment claim without emptying your pockets.

  • No Pre-policy Medical Check-ups: Under Care Freedom, you don't need to undergo any pre-policy check-ups before availing of the insurance benefits. No matter your age or health problems, you can issue the policy without any delays in medical checks.
  • Recharge of Sum Insured: You can relax knowing that your basic sum insured will be automatically recharged under Care Freedom so that you or other insured members can use it for further claims.
  • Life-long Renewability: You can quickly renew your policy for lifelong coverage per the applicable policy terms.
  • Free-look Period of 15 days: With the freelook facility, you get 15 days to check the policy details thoroughly and file an easy return in case of any dispute.

Care Freedom is an absolute protective cover for your finances when caring for someone with a high BMI and other lifestyle-related health conditions. Health insurance for high BMI patients is indispensable in the era where lifestyle diseases have become a threat to people. It safeguards your savings and shares the burden of hospitalisation in times of contingencies.

What Does BMI Health Insurance Cover?

The Care Freedom plan covers the following medical and non-medical benefits:

In-patient hospitalisation

We cover all the expenses for hospitalisation when you get admitted for a minimum of 24 consecutive hours. Under the in-patient benefit, we pay for everything from room charges to doctor's fees and operation theatre charges.

Day Care Treatment

With Care, you get medical coverage for over 540 day-care treatments across our network hospitals. Patients can undergo therapies, dialysis, and other disease-specific treatments without a financial crunch.

Pre and Post-hospitalisation

Only tests and diagnoses often reveal serious ailments that need further hospitalisation. Medical insurance for diabetic and BP patients comes with pre and post-hospitalisation coverage to minimise your expenditure on medications, follow-ups, and more.

Ambulance Cover

With Care Freedom, you get reimbursement for your expenses on the ambulance service required to take the insured patient to the hospital. This is a valuable benefit appreciated by lots of our customers.

Domiciliary Hospitalisation

Diabetes, high BP and imbalanced BMI cause worse agony during old age when the patients need at-home care the most. Domiciliary hospitalisation covers expenses for at-home treatment of patients from merited hospitals, subject to policy terms.

Consumable Allowance

Apart from treatment costs, consumables like medical equipment, admission kits, housekeeping items, etc., can cumulate to a burdensome amount. We offer all-inclusive health insurance for diabetes in India that reimburses consumable services like transportation, hospital facilities, etc.

Automatic Recharge

You don't need to worry if your claim amount exhausts your health plan's coverage limit. Under Care Freedom, you can rest assured that with automatic recharge of the base sum insured, other insured members can utilise it for future claims.

Discounts on Premium

With Care Freedom, you can choose a long-term medical policy and get heavy discounts. You can enjoy discounts of up to 10% on multi-year policy terms.

Thus, obesity treatment insurance coverage will ensure peace of mind as you will be covered for medical emergencies related to your high BMI.

What Does BMI Health Insurance Cover and Not Cover?

Certain circumstances are not included in the covered occurrence under the diabetes health insurance plan. Below are some exclusions of Care Freedom insurance for high BMI patients:

  • 24-month waiting period for certain conditions, such as joint replacement surgery, osteoporosis, gout, arthritis, etc.
  • Medical costs incurred for any illness within the initial 30 days after the start of the policy period
  • Any procedure resulting from or linked to pregnancy, miscarriage, birth, maternity, abortion, or any of these procedure's complications.
  • Charges associated with the expense of regular dental treatments, dentures, dental implants, and any other dental conditions
  • Treatment for any genetic diseases, illnesses, congenital disabilities, anomalies, and exterior congenital malformations
  • Treatment for psychological disorders, stress, or mental illnesses

Voice Of Customer

Rahul Sangwan

My appreciation for your prompt service

Recently, I’ve purchased JOY Maternity insurance for my expecting wife and my experience was excellent with the claim settlement team who helped me deal with all the formalities smoothly. Thank you for making my decision the right one!

Rahul Sangwan

Health Insurance

Samanway Barik

We will continue to avail of your scheme

I ported my healthcare plan last year; it is the wisest decision I made by choosing Care Health Insurance. I recently got admitted due to a viral infection, and all my expenses got covered under my plan.

Samanway Barik

Health Insurance

Soubhagya K Kulkarni

Everything went very smooth

Thank you for helping me when I needed help the most, being in the hospital. Buying Care’s health insurance plan is my best decision so far.

Soubhagya K Kulkarni

Health Insurance

Vaibhav Rai

Really helpful explaining the process in advance

Thank you for helping me with your fastest claim settlement process. I didn’t have to wait much for the approval. Everything was quick and seamless.

Vaibhav Rai

Health Insurance

Zeroing in on a health insurance plan for your family is a tricky choice, given the number of insurers in the market who offer similar policies. It is not wise to simply choose the policy with the lowest amount of premium. You need to compare different policies, their features and benefits. Care Health Insurance (CHI) is a specialist Health Insurer and offers products keeping in mind the needs of a customer in the event of a medical exigency. CHI offers a distinct set of benefits giving a clear choice for providing you with the best possible health insurance.


Awarded as Best
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38 Lakh+ Claims Settled*



^India Insurance Summit & Awards 2023

FAQs on High BMI

Q. Can a High BP, diabetic, or hypertension patient get a health insurance policy in India?

Yes, a high BP, diabetic, or hypertension patient can get health insurance. Care Freedom is specially designed for people with pre-existing diseases such as hypertension & diabetes without a pre-policy medical check-up so that they can afford the best treatment and stay healthy.

Q. Do I need to bear co-payment under the diabetes health insurance plan?

Yes, as a standard, people with pre-existing ailments need to bear 20 or 30% of the final claim amount payable. We shall pay the remaining amount up to the sum insured. However, you may opt for a co-payment waiver benefit by paying a slightly higher premium according to policy terms and conditions.

Q.How does a diabetes insurance plan helps in treating Diabetic, Hypertension, and High BMI patients?

A diabetes health insurance plan is a health cover designed particularly for people suffering from lifestyle diseases such as diabetes, hypertension and high BMI. It provides complete cover for various expenses related to these diseases after the waiting period. The coverage includes in-patient care, daycare treatment, pre-and-post hospitalisation expenses, consumable allowance, ambulance cover, domiciliary hospitalisation, and dialysis procedure.

Disclaimer: Information above is just for reference. Kindly read T & C of policy thoroughly, Do refer IRDAI guidelines for tax exemption conditions.

**Number of Claims Settled as of 31st May 2023

^10% discount is applicable for a 3-year policy

^^Number of Cashless Healthcare Providers as of 30th June 2023.

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