Save tax up to ₹75,000~ u/s 80D
Help
Save tax up to ₹75,000~ u/s 80D
In India, approximately 24% of women and 23% of men are overweight or obese, indicating a rapidly increasing health issue. Managing weight-related health risks can be difficult, and unexpected medical expenses may add to your stress. A reliable health insurance plan can provide financial security for hospital stays and treatment, but it’s crucial to review coverage details thoroughly when selecting the best health insurance for obesity.
Reasons to Choose Care Health Insurance?
Unlimited E-consultation
Wellness Benefits
AYUSH Treatment
.svg)
OPD Coverage*
Obesity is a widespread health condition marked by having too much body fat, which can affect overall well-being. It’s a complex ongoing disease that happens when the body takes in more calories than it uses. This condition affects both adults and children.
While obesity doesn’t have specific symptoms, healthcare providers often look at a person's body mass index (BMI) and body shape to determine if they are obese. Depending on how severe it is, obesity is categorised into different classes, primarily using BMI. Medical professionals review these categories to decide which treatments may work best for each individual, considering three main types of obesity. They consist of:
Obesity increases the risk of numerous lifestyle- and chronic-related diseases. Medical treatments for these conditions can be expensive and may require repeated visits. That’s where health insurance helps people access essential healthcare services without facing heavy financial burdens. Common health risks associated with obesity include:
At Care Health Insurance, we are dedicated to providing financial support to everyone, regardless of their BMI. Our goal is to support your health journey and give you confidence in your coverage.
The coverage for obesity mainly depends on the specific details of your policy, the insurer's guidelines, and what is medically necessary. In many comprehensive health insurance plans, coverage might include:
Since coverage varies by plan, it's essential to carefully review the policy details, including waiting periods, exclusions, and eligibility requirements, before making a purchase. For a thorough understanding of the benefits and conditions, read the full terms and conditions or consult our customer care team for personalised assistance.
As obesity rates in India continue to rise, it's more important than ever to have the right health insurance coverage. Some of the benefits of health insurance for high BMI may include:
A medical insurance policy for obesity or high BMI is designed to offer extensive coverage and financial protection. Understanding these inclusions and exclusions helps you manage your healthcare needs effectively.
Note: Understanding waiting period clauses in advance helps prevent claim rejections and ensures timely access to treatment. Add-on availability, coverage scope, and waiting period reductions vary depending on the chosen plan and its terms and conditions. Please review the policy carefully or contact our customer care team for detailed clarification.
Individuals with obesity or a high BMI might qualify for health insurance if they meet specific age, health, and underwriting requirements set by the insurer. Below are the key eligibility criteria for securing coverage.
| Feature | Details |
|---|---|
| Minimum Entry Age | Individual Plan:
|
| Maximum Entry Age | Adult: No Age limit | Child: 24 Years |
| Renewal | Life Long |
| Pricing | Zone 1: Delhi NCR, Surat, Mathura, Aligarh Zone 2: Telangana, Mumbai (MMR), Ahmedabad, Vadodara, Nashik Zone 3: Pune, Indore, Bengaluru Urban, Rest of Gujarat Zone 4: Rest of India |
| Co-Payment | - 20% for all customers enrolling in the policy - 30% for all customers enrolling in the policy after attaining Age >= 71 Years |
| Initial Waiting Period | 30 Days for all illnesses except Accidental injury |
| Named Ailment Wait Period | 24 Months |
| Pre-Existing Waiting Period | 24 Months |
Choosing the best health insurance for overweight applicants requires evaluating coverage, waiting periods, hospital network, and long-term costs. Since obesity can lead to chronic issues and higher costs, the right plan offers financial protection. Please consider these key factors:
Buying health insurance for obesity through us is simple, fast, and hassle-free. Just follow these easy steps to ensure coverage for obesity-related medical costs:
Our health insurance plans provide a straightforward, hassle-free claim process for coverage of obesity treatments and hospitalisation costs. Claims can be submitted in two categories:
| Cashless Claim Process | Reimbursement Claim Process |
|---|---|
| Step 1: Visit any of our network hospitals and seek assistance at the insurance/TPA help desk. | Step 1: Please pay your hospital bills and retrieve all your original documents. |
| Step 2: Complete the pre-authorisation form and submit the required medical documents as advised by the hospital. | Step 2: Please submit the reimbursement claim form along with all required documents. |
| Step 3: The hospital will provide us with the necessary reports and treatment details for review and approval. | Step 3: Our claims team will review the documents and may enquire about few additional things, if needed. |
| Step 4: Our claims team will review the request in accordance with the policy terms and may contact you for more information. | Step 4: Once verification is complete, the claim will be approved. |
| Step 5: Once approved, an authorisation letter will be issued to enable cashless treatment in accordance with your policy. | Step 5: The eligible amount will be reimbursed in accordance with the policy's terms and conditions. |
22100+
Cashless Healthcare Provider^^
74.5 Lakh+
Insurance Claim Settled^^
96.95%
Claim Settlement Ratio
15 Crore+
Lives Covered Since Inception
24 X 7
Claim Support
Managing obesity involves embracing a balanced lifestyle, seeking proper medical advice, and staying committed. Small, steady changes can significantly improve health and reduce obesity-related risks. Here are some helpful tips to manage obesity:
My appreciation for your prompt service
Rahul Sangwan
Health Insurance
We will continue to avail of your scheme
Samanway Barik
Health Insurance
Everything went very smooth
Soubhagya K Kulkarni
Health Insurance
Really helpful explaining the process in advance
Vaibhav Rai
Health Insurance
Yes, individuals with a high BMI can purchase health insurance. However, premiums, waiting periods, and underwriting terms may vary by age, BMI, and existing medical conditions.
Most extensive health insurance plans include coverage for hospitalisations due to obesity-related issues like diabetes, hypertension, heart disease, and joint problems, depending on policy terms and waiting periods.
If obesity or related health issues are present when the policy is purchased, they may be considered pre-existing conditions. Coverage usually begins once the waiting period ends.
Cosmetic or aesthetic weight-loss procedures that are not medically necessary usually do not qualify for coverage. Approval depends on policy terms and medical eligibility requirements.
Some optional add-ons, when available, could shorten waiting times. Please review the plan details or contact customer care for clarification.
You might need to submit proof of age, KYC documents, and health declarations. Depending on BMI and age, additional medical tests may be necessary.
Get the best financial security with Care Health Insurance!
Sales:1800-102-4499
Services:
8860402452
Live Chat
Care Freedom: UIN - RHIHLIP21519V022021
Disclaimer: Information above is just for reference. Kindly read T & C of policy thoroughly, Do refer IRDAI guidelines for tax exemption conditions.
-Tax benefit is subject to changes in tax laws. Standard T&C Apply
^^Number of Cashless Healthcare Providers as of Dec 2025
^The premium is calculated for an insured individual (18) who opts for a sum insured of 5 lakh in a zone 3 city with add-ons that impact the premium reduction.
**Number of Claims Settled as of Dec 2025
~~Claim Settlement Ratio for the period April 2025 to Dec 2025
Terms & Conditions of Premium Quote Generation
"Care Health Insurance Ltd & associate partners may contact you to assist you with website navigation of www.careinsurance.com and assist in proposal filling."
